RH Specialist Insurance - an Introduction

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RH Specialist Insurance - an Introduction

Post by RHInsurance » Mon Jun 09, 2014 2:06 pm

The RH Specialist Insurance team would like to extend a warm greeting to the RSSOC!

Who are RH Specialist Insurance?

In 1977 RH created a unique Club Insurance Scheme, reflecting the special relationship enthusiasts enjoy with their vehicles.

Owning a classic car is a journey; it can start with a burning ambition to own the vehicle of your dreams, a box of bits or an inherited heirloom. RH supports you on that journey from dream to reality.

Our policies will cover your vehicle, whether it’s dismantled on the garage floor or already a concours winner; whether it’s being restored by your favourite mechanic or touring Europe.

RH introduced classic vehicle insurance more than 35 years ago and we’re still enhancing our policies to provide the specialist, tailored cover you need and expect as a proud owner.

The vast majority of our customers stay with us every renewal year; possibly for our competitive rates or our quality service – probably for both.

Our knowledgeable broking team is committed to providing you with bespoke cover at a competitive rate.

Why choose RH Specialist Insurance?

No broker administration fees
Cover available for drivers aged 18 to 25 and no upper age limit*
Agreed value cover available (subject to club or independent valuation)
Free and automatic salvage return for all vehicles over 20 years of age
UK & European breakdown recovery, including home breakdown, is included at no extra cost
Multi vehicle insurance – combine your specialist vehicle collection and modern cars onto one policy
We can tailor the cover required to meet your needs*

* Subject to underwriting criteria.

Contact Details

To obtain a quotation please call the RH team on 01277 206911 or email classicuw@equitygroup.co.uk. Our website http://www.rhclassicinsurance.co.uk/ contains further information and our policy documentation.

We look forward to hearing from you!

The RH Specialist Insurance team.

RH Specialist Insurance is a trading name of Willis Limited, a Lloyd’s Broker. Registered office: 51 Lime Street, London, EC3M 7DQ. Registered number 181116 England and Wales. Willis Limited is authorised and regulated by the Financial Conduct Authority. The RH Specialist Insurance schemes are arranged and administered on behalf of Willis Limited by ERS Syndicate Services Limited, an appointed representative of ERS Syndicate Management Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority: Number 204851.


RH Specialist Insurance

Contact the team on 01277 206911 or classicuw@ers.com for a quotation
Visit our website at http://www.rhclassicinsurance.co.uk to learn more
Like us on Facebook: http://www.facebook.com/rhclassicinsurance

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Re: RH Specialist Insurance - an Introduction

Post by scimjim » Mon Jun 09, 2014 4:16 pm

Welcome - could you please expand on the young driver policies please? I have two sons under 25 driving classics and as an RH customer for many, many years - I have been singularly disappointed with the responses to their requests for quotes from ALL of the "classic insurers"


Jim King

Current: SE5 (8Ball), TI SS1 (snotty), 1600 SS1 (G97), 1600 SS1 (C686CCR), 2.5TD SE5a (diesel 5a), 6 x random other SS1s.
Previous: SE5, 3 x SE5a, 2 x SE6a, 3 x SE6b, GTC, 2.9i GTC, 3 x 1600 SS1, 1300 SS1, Mk1 Ti Sabre, Mk1.5 CVH Sabre
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Re: RH Specialist Insurance - an Introduction

Post by RHInsurance » Mon Jun 09, 2014 4:28 pm

Hello Jim,

Our general guidance for young drivers insurance is as follows.

The vehicle must be

Over 20 years of age
Used for social, domestic and pleasure purposes only
Kept off-road overnight (preferably in a garage)

The driver

Has held a full UK driving licence for at least 12 months
Has the use of an "everyday" car
Covers less than 3,000 miles per year in the classic vehicle
Is a member of a specialist vehicle club

Young drivers are assessed on a case-by-case basis by our underwriters. Even if you don't "tick" every one of the boxes above then we may still be able to offer a solution.

Kind regards,
Scott
Last edited by RHInsurance on Tue Jun 10, 2014 10:22 am, edited 1 time in total.


RH Specialist Insurance

Contact the team on 01277 206911 or classicuw@ers.com for a quotation
Visit our website at http://www.rhclassicinsurance.co.uk to learn more
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Re: RH Specialist Insurance - an Introduction

Post by swoakes » Mon Jun 09, 2014 5:31 pm

Hi Scott,

Why must the car be kept in a a garage overnight; this is not a requirement generally with Classic car policies and I don't understand why the age of the driver should have any influence on where it needs to be kept :?

Do the same rules apply to young drivers when they are only a named driver on the policy rather than the policy holder :?:


Steve Oakes
SS1 DET Sprint Car

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Re: RH Specialist Insurance - an Introduction

Post by scimjim » Mon Jun 09, 2014 5:43 pm

We'll it's a start I suppose but as Steve says, why must it be in a garage and why so restricted on mileage? Surely a youngster using a classic as everyday transport is less of a risk than the equivelant corsa/Saxo/fiesta driver? And while I appreciate that my classic policy requires me to have use of an "everyday" car - how many 18 year olds are likely to be able to afford this?

My 20 year old son paid £3k for his first year and £1.5k for year 2 on his classic - premiums that you missed out on as you wouldn't quote.


Jim King

Current: SE5 (8Ball), TI SS1 (snotty), 1600 SS1 (G97), 1600 SS1 (C686CCR), 2.5TD SE5a (diesel 5a), 6 x random other SS1s.
Previous: SE5, 3 x SE5a, 2 x SE6a, 3 x SE6b, GTC, 2.9i GTC, 3 x 1600 SS1, 1300 SS1, Mk1 Ti Sabre, Mk1.5 CVH Sabre
Chief mechanic for: 1400 K series SS1 (Megan3), 1400 CVH EFi SS1 (Grawpy), Sabre/MX5 auto (The Flying Broomstick),
1300 SS1 (Number One) & Sarah's coupe.
CURE THE FAULT - NOT THE SYMPTOMS

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Re: RH Specialist Insurance - an Introduction

Post by swoakes » Mon Jun 09, 2014 5:47 pm

Does "have use of" inc being a named driver on for example a parents car policy :?:


Steve Oakes
SS1 DET Sprint Car

Former cars
SS1 DET Turbo sprint Project
Sabre Ti
SS1 Ti
1971 Yellow 5a
1985 SS1 1600
1978 Green/Silver 6a

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Re: RH Specialist Insurance - an Introduction

Post by RHInsurance » Tue Jun 10, 2014 10:25 am

Hi Steve,

Sorry this was a mistake on my part; the vehicle doesn't have to be kept in a garage overnight (although this is preferred, for obvious reasons) but it does need to be kept off the street.

The criteria around the driver and the usage would still apply even if they are a named driver.

Kind regards,
Scott
swoakes wrote:Hi Scott,

Why must the car be kept in a a garage overnight; this is not a requirement generally with Classic car policies and I don't understand why the age of the driver should have any influence on where it needs to be kept :?

Do the same rules apply to young drivers when they are only a named driver on the policy rather than the policy holder :?:
Last edited by RHInsurance on Tue Jun 10, 2014 10:46 am, edited 1 time in total.


RH Specialist Insurance

Contact the team on 01277 206911 or classicuw@ers.com for a quotation
Visit our website at http://www.rhclassicinsurance.co.uk to learn more
Like us on Facebook: http://www.facebook.com/rhclassicinsurance

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Re: RH Specialist Insurance - an Introduction

Post by Lukeyboy46 » Tue Jun 10, 2014 10:29 am

Is the 3k a year limit enforced or do you have a work around?

Looking to insure a car in the next few months however I turn 25 in January, will this be taken into consideration for my policy?


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Re: RH Specialist Insurance - an Introduction

Post by RHInsurance » Tue Jun 10, 2014 10:40 am

Hello Jim,

Please see my post above regarding garaging, my apologies.

With regards to your second point, we need to be careful here. The criteria around our young drivers is to ensure, as best we can, the drivers are genuine classic vehicle enthusiasts and not simply young drivers who are looking for a way to obtain cheap insurance by way of using a classic vehicle.

We appreciate that these criteria wouldn't suit everybody. We monitor the feedback we receive. The significant majority of feedback on our young driver offering has been positive.

Referring back to my original post, I would still encourage people to contact us for a quotation even if some of the criteria are not met. Our underwriters are very good at tailoring solutions and every case is addressed on its individual merits.

-Scott
scimjim wrote:We'll it's a start I suppose but as Steve says, why must it be in a garage and why so restricted on mileage? Surely a youngster using a classic as everyday transport is less of a risk than the equivelant corsa/Saxo/fiesta driver? And while I appreciate that my classic policy requires me to have use of an "everyday" car - how many 18 year olds are likely to be able to afford this?

My 20 year old son paid £3k for his first year and £1.5k for year 2 on his classic - premiums that you missed out on as you wouldn't quote.
Last edited by RHInsurance on Tue Jun 10, 2014 10:46 am, edited 1 time in total.


RH Specialist Insurance

Contact the team on 01277 206911 or classicuw@ers.com for a quotation
Visit our website at http://www.rhclassicinsurance.co.uk to learn more
Like us on Facebook: http://www.facebook.com/rhclassicinsurance

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Re: RH Specialist Insurance - an Introduction

Post by RHInsurance » Tue Jun 10, 2014 10:43 am

Hello Steve,

Yes it does.

-Scott
swoakes wrote:Does "have use of" inc being a named driver on for example a parents car policy :?:


RH Specialist Insurance

Contact the team on 01277 206911 or classicuw@ers.com for a quotation
Visit our website at http://www.rhclassicinsurance.co.uk to learn more
Like us on Facebook: http://www.facebook.com/rhclassicinsurance

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Re: RH Specialist Insurance - an Introduction

Post by RHInsurance » Tue Jun 10, 2014 10:50 am

Hello Luke,

Other mileage options may be available, I would recommend that you discuss this with one of our underwriters on the phone. The age will be taken into consideration also.

-Scott
Lukeyboy46 wrote:Is the 3k a year limit enforced or do you have a work around?

Looking to insure a car in the next few months however I turn 25 in January, will this be taken into consideration for my policy?


RH Specialist Insurance

Contact the team on 01277 206911 or classicuw@ers.com for a quotation
Visit our website at http://www.rhclassicinsurance.co.uk to learn more
Like us on Facebook: http://www.facebook.com/rhclassicinsurance

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Re: RH Specialist Insurance - an Introduction

Post by GTC Ian » Tue Jun 10, 2014 11:12 am

Why is it cars with agreed valuation have to be kept in a garage? Not all insurers insist on this.


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Re: RH Specialist Insurance - an Introduction

Post by philhoward » Tue Jun 10, 2014 11:25 am

Strange how "modern" car insurance is lower for a car kept on the road than on the driveway, Ian!


Phil Howard
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Re: RH Specialist Insurance - an Introduction

Post by reliant-reviver » Tue Jun 10, 2014 11:27 am

Simple Phil.... To steal a modern vehicle you break into the house to nick the keys first! Park it in a line on the curb with the others and that makes life a bit harder for the crims....


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Re: RH Specialist Insurance - an Introduction

Post by reliant-reviver » Tue Jun 10, 2014 11:29 am

I shall take a look at RH when the time comes to insure the current project..... but aged 22, without a garage and with the vehicle currently on Jersey plates, it may not be plain sailing.....

On the plus side, next year I'll have owned the 1800ti for a decade! The last time I tried for a quote on that the nice lady over the phone struggled with the concept of the car having been registered to me aged 13 :lol:


Philip Andrew.
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