Hi I've decided to change Insurance Companies, owing to the 'Draconian' Terms and Conditions in the Small Print, that I was not aware of at the Time.

As such I have found what I'm hoping is a fairer Insurance Company but one of their Conditions is that I am a Member of a Car Club, as otherwise I don't think they will pay me out in the event of a Claim.

It doesn't Specify what sort of Car Club, although they probably mean a Jaguar one.

I'm going to be honest here and say that Car Clubs are not really for me, as I have no interest in going to meet up's or any of that stuff.

And as for getting discounts on Parts, I can always do better by negotiating discounts by myself.

Which means that having to join one, in my Case will be a waste of money, unless anyone knows of a Cheap one, just so I can tick that 'Box' and keep them happy.

 

I'm curious, you seem to think they are a "fairer" company yet they have a rediculas rule that serves no merit as to making you a better insurance risk by simply belonging to a car club. I'd keep shopping.

 

No, it is pretty usual over here; they want genuine enthusiasts who care for their cars. This group has an actuarially better accident and claim rate, and that is the reason for the clause. Also, in my case, it is a condition that you have another car for everyday driving. Insurance rates in the UK can be ruinously high, and in France off the scale, so any small clause involving a smallish expense like this pays for itself many times over.
Greg

 

OB, the JEC is expensive but a reasonable club with a not-bad magazine, it is also raises a wry smile to read their editorial content glossing over some of the appalling electrical and quality issues on the more modern cars... The JDC does an internet only sub that is a good bit cheaper, or used to be. PJTS used to be a stalwart of the JEC, I seem to recall. JEC website absolutely dreadful, and their forum such a counter-intuitive thing to use it drives you crazy. Model info on the XJS quite bland and never updated. Missed opportunity. BB is something official I seem to recall, maybe his dynamism can get them organised for the 21 century.
Greg

 

If an insurance company demands you belong to a club and have a second car to not drive your Jaguar. Not worth the money unless you figure on banging the car up more than usual. Collector insurance mandates mileage limitations, but to demand you own a second car (which has to be insured too ) is not worth the savings. Find an insurance company and pay the price, cause you are actually saving money in the long term. No club, no second car, no maintenance on second car or fuel costs and no second insurance policy. Thought Brits were more penny wise?

 

A Classic insurance will typically not attract any no-claims bonuses which is why they are cheaper.
My XJS is way cheaper to insure than the X Type; the difference more than covers the cost of Club membership.

 

cheapest 'XJS ' club is a one off payment of £10 UK called the ' XJS Club ', AND THATS IT FOR LIFE ( WELL , AS LONG AS YOU OWN THE CAR )

whether this is recognised by any of the insurers is unknown , but you would be a paid up member of an active popular club ( yes, i am a member, at a tenner, who wouldn't )

the JEC is the worlds largest Jaguar membership club , both domestic and international, the annual cost will provide you with a wealth of information to learn about and help repair your car, entry into the great shows they hold each year and a quality magazine every month , and 10% discount on parts and labour at jaguar dealerships. just to mention a few points ,

as for insurance, i am with Footman James, a specialist insurance company that has very close ties to the JEC , however, you don't have to be a member to insure any Jaguar with them , i got my quote to as low as £89 , but with all the extras that i feel important, the premium went to £160 plus the tax , so around £185 i think , but for the type of car i drive, and the power it has and a fully comp cover, i can't fault it as i have to have it as a legal requirement....

as for me being in the JEC , yes that is true , i am the JEC Regions Co-ordinator for the club , all domestic and international regions come to me as first point of contact for the club , thats 88 regions at the moment , and the club is about to launch a new website which should get us into the 21st century , at some point, lol , but we are trying , lol

BB

 

Hi JT

If you think that's bad, my current Insurance Company insists that I have a 'Dashcam' which is fitted by them!

In other words they want to charge me a fee, for sticking it on the Windscreen and plugging it in to the 'Ciggy Socket'

Plus loads of other clauses too numerous to mention.

 

You got it in One Greg

Bang on the money as usual.

 

Ooh, dash cam; inbuilt speed camera. Mind you don't go over the speed limit!

 

I reckon this Forum knows much more than all the Jaguar Car Clubs put together.

 

We Brits are very penny wise, so if you drive an XJS £55 of Petrol in just Two days!

A second Car is almost not an Option, as I won't be taking my XJS anywhere that I may have to leave it unattended, or use it to go Shopping.

 

Hi Steve you are right and so I may not have much choice but comply with their conditions, at the end of the day.

 

HI BB

Thanks

A 10% discount on Parts and labour just wouldn't cut it for me, as I can get 30-50% discount all day long.

And if anything needs fixing, then I would rather have a go at doing it myself, although the XJS Club for a Tenner, could well worth be a punt.

Providing that I can get the Company to buy into that before I join.

 

You could well be right!

 

OB,

Get me 50% discount at a Jaguar dealer for genuine parts and I'll split the benefit with you! I can usually get 20% from my Jaguar dealer and I've not heard of anyone getting higher.

On a serious note, Greg has summarised it well. Classic Car club members are statistically a lower risk, hence the encouragement for insurers to want you to be a club member. For many club members, the subscription is worth it just for the insurance premium benefit, let alone the magazine and other benefits.

My XJS premium (agreed value of £20k, 5k mileage, not garaged and no need to use a no-claims bonus) is £160 this year. That seems really quite good to me. But perhaps more importantly, it's the expectation that with a specialist company (Footman James) I'll get treated fairly in the unfortunate event of an accident.

Paul

 

it all comes to what you want from a club

if you want nothing than to bring down car insurance, then its not for you

if you want a community of people who exchange information and ideas and help each other out as well as being able to get together and receive a good quality magazine, then you may want to think about it , you get out what you put in in many things in life , same with a car club ,

as they say

pays ur money , takes ur choice

i would like the JEC to gain another member, but if that member feels its not worth the ' money ' then personally , its not the ' club ' for him ( or her )

BB

 

Hi Paul

I didn't mean (exclusively) using Jaguar dealers for parts, as some OEM Parts are much cheaper elsewhere, as are Aftermarket for some items.

That sounds like a very good quote you have there and if my own can match it then I will be happy with that.

 

Why don't you claim Jaguarforums.com as the car club?

It's likely one of the world's largest 'car clubs' and I wouldn't be surprised if they would agree if the you pitched correctly.

 

In Principal that's a good idea but I'm not sure if it qualifies, as a 'bona_fide' Car Club and you have to be so Careful with Insurance Companies.

Who should the worst ever happen, will no doubt be looking for any excuse not to pay out on a Claim.