Joined: Aug 2017 Posts: 934 Threads: 22
Reputation:
10
Location: Near Cambridge, UK
Car type: 1928 tourer (mag type), short chassis Gould Ulster
Like Nick I had not noticed when the assistance at home bit was added to our policies, resulting in my paying out over £200 to get the battery changed on my modern BMW 3 years ago. I know the insurance would not have covered the battery price, but the 2 visits would have been covered. If this extra is costing appreciably more I would be more than happy to forego it. RH announcing on Facebook doesn't help me; I am innocent when it comes to understanding; if I look for anything on FB I rarely find it; I just don't understand how the site works.
Joined: Aug 2017 Posts: 741 Threads: 8
Reputation:
11
Location: N W Kent
I wasn't aware of the home cover either on the RH policy. If there is a significant cost for this home start cover, I think it would be worth RH making it an option. Speaking personally, if I can't get an A7 or one of the other old cars to start here I'm not sure that some bloke in a transit would be adding any value.
Joined: Feb 2020 Posts: 25 Threads: 1
Reputation:
2
11-05-2021, 02:19 PM
(This post was last modified: 11-05-2021, 02:56 PM by RH Insurance.)
Hello Everyone,
I hope you are all well.
I have seen various comments on the Forum lately, and also assisted some of you, offline, with queries via email/phone.
I would just like to confirm that RH's key benefits include:
- Discounted rates for A7CA members.
- Zero policy administration fees. Most competitors routinely charge between £15-£65 to renew or process mid term adjustments. RH doesn't charge a single penny.
- Complimentary return of cherished salvage. This applies to all vehicles over 20 years of age which are repairable within DVLA guidelines. By comparison, the majority of competitors will deduct up to 40% of the settlement value in order for the client to 'buy back' their salvage. RH clients receive their settlement value AND the salvage - without any deduction being made from the settlement value.
- Complimentary UK / European breakdown recovery - including home service. The home service element was introduced in 2016 without any increase to premiums.
- Spare parts belonging to the insured vehicle are covered up to the sum insured.
- Complimentary cover for non-competitive rallies.
- Complimentary cover for occasional wedding use (ie for friends/family - providing no money changes hands).
- Ability to insure multiple types of vehicles - including everyday cars (providing 1 or more specialist vehicles are on cover first).
- Option to insure on a damage, fire and theft basis as well as comprehensive. Premiums typically start from around £50 per annum and cover can be upgraded to comprehensive when the vehicle is road legal again.
- Young drivers. Providing the driver has at least a year's driving experience, and a clean licence, we can consider requests from individuals to drive on a solo basis. In all cases the drivers must have access to an everyday car and use the Austin as a true classic ie infrequently (for shows, events and leisure purposes - not driving to university or work) and ideally keep it garaged or at least parked on a driveway (providing the postcode is in an acceptable risk area). Each case is considered on its own merits.
- Mature drivers. Unlike other insurers, RH doesn't have an upper age limit - providing the individual is fit to drive in accordance with DVLA guidelines. Nor do we stop the personal accident benefit at the age of 70 or 75. All benefits remain intact. In fact, our oldest client is 100!
Given the fact all Austin 7s are over 40 years of age they're rated on RH's lowest banding. Please be aware that due to the wide variation in values between vehicles - along with postcode / claims history, etc, there will be a range of rates for the same age/model.
I appreciate some competitors may offer what appear to be 'bargain' premiums when compared with RH. However, the overall package of benefits and claims service we have provided, since 1977, is still extremely competitive when you take into account RH's zero admin fees, breakdown recovery service and cherished salvage clause. It's therefore always worth checking exactly what benefits are on offer before being tempted to accept a premium which might be cheaper.
As always, if anyone has any queries relating to motor insurance in general they're welcome to contact me direct. Emma.airey@rhspecialistinsurance.co.uk.
If you have a query relating to cover, rating or a claim - please call 0333 043 3911 or email rh@ers.com. We would be delighted to hear from you and assist.
With best personal regards,
Emma Airey
Head of RH Insurance
emma.airey@rhspecialistinsurance.co.uk
RH Specialist vehicle insurance
Joined: Aug 2017 Posts: 174 Threads: 53
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11-05-2021, 03:29 PM
(This post was last modified: 11-05-2021, 03:29 PM by RupertW.)
Hi Emma, can I just get some clarity on one of your points about return of salvage, specifically on the wording 'repairable within DVLA guidelines' which I assume relates to CAT A or B write offs, or whatever the modern equivalent of those categories is.
I'd assumed that the salvage return would apply no matter how destroyed the vehicle was. For example if the car was 90% destroyed in a fire I'd still like to salvage what I could from the remaining 10%, or if the chassis was bent beyond reasonable repair in an accident there would most likely be plenty of useable parts left on the vehicle. Any clarification on this would be much appreciated.
Joined: Sep 2017 Posts: 199 Threads: 37
Reputation:
2
Location: Swansea
Car type: ruby mk2
Hi Emma, can you clarify what "non competitive" rally means, are we permitted when holding our rally we can have a driving test which is not timed, only driving skills, eg parallel parking reversing into a garage then out off a garage or two. Thanks. S&P.
Joined: Aug 2017 Posts: 741 Threads: 8
Reputation:
11
Location: N W Kent
(11-05-2021, 03:29 PM)RupertW Wrote: Hi Emma, can I just get some clarity on one of your points about return of salvage, specifically on the wording 'repairable within DVLA guidelines' which I assume relates to CAT A or B write offs, or whatever the modern equivalent of those categories is.
I'd assumed that the salvage return would apply no matter how destroyed the vehicle was. For example if the car was 90% destroyed in a fire I'd still like to salvage what I could from the remaining 10%, or if the chassis was bent beyond reasonable repair in an accident there would most likely be plenty of useable parts left on the vehicle. Any clarification on this would be much appreciated.
Not straightforward, which may be why you haven't had an official response yet. As you've identified, Cat A or B write offs have to be crushed, but there is a potential 'get out jail' for our cars -here's a quote from The ABI (Association of British Insurers) document; the italics are mine.
8.1 Question 1 - Is the damage sufficiently severe to warrant application of this code?
Some vehicles will remain outside of this code, for example stolen recovered vehicles with no or minimal damage.
It is recognised that some historic/ classic vehicles or vehicles of special interest may be repaired irrespective of extent
of damage, providing it is safe to do so. In these cases the vehicle will fall outside the Code of Practice, which will not
apply.
Full document here: https://www.abi.org.uk/globalassets/file...ov2019.pdf
Joined: Aug 2017 Posts: 104 Threads: 3
Reputation:
3
I would like to retract my previous comments about leaving RH. I have now re-insured my fleet with them after "shopping around".
Other insurance competitors, though initially appearing cheaper, were so fraught with restrictive conditions and exclusions I despaired!
Emma's list of RH benefits above are very soothing and I will happily resume my 40 year membership.
Joined: Mar 2015 Posts: 5,465 Threads: 231
Reputation:
67
Location: Scotchland
That is good to know Terry, I really did have a feeling that the comparative policies mentioned as being cheaper, were not on a like for like basis.
Your message appears to confirm this and underlines, to me at least, that the service we are getting from RH is first class.
Joined: Aug 2017 Posts: 1,658 Threads: 23
Reputation:
15
Location: The village of Evenley
Car type: 1934 Austin Seven RP Deluxe
I have today insured the Box Saloon with RH, excellent service from the office, competitive premium and a policy with everything I should every need, with the car nearing completion, I'm looking forward to getting back out there!
Joined: Aug 2017 Posts: 220 Threads: 19
Reputation:
1
I have concerns over the fire risk to our cars due to the introduction of E10, or even E5 fuels. There are many components in the fuel system that can and ultimately be affected by these two petrols. If a fire is caused by a leakage, who is going to be held responsible, The fire could be deemed to be caused by lack of maintenance by the owner ,who may not have been aware of the potential problems , or should the responsibility rest with the fuel companies who manufacture and supply the fuel which initiated the leak and fire. Would Emma (RH) like to reassure us that this point is clarified, and would a class action case against the fuel companies / government be in order as they are foisting the product on us?
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