Chris Knott

[NikB]

There is no clear solution to this. However it would be good if I could get a direct answer to my questions from the insurers.

I do have a further question also - assuming I do buy a Z4 in the next few months and have to alter my policy with yourselves I understand that the underwriters will be changed to one that will cover me albeit at a higher premium. Will I have to pay a pro-rata rate to cover the insurance I've had from the current underwiter on the Golf?

[ChrisKnottIns]

Why base experience requirements purely on duration of ownership? That is not the best way to gauge experience.

I could have owned a RWD car for 5 years and driven it a total of 2500 miles on quiet sundays, yet someone with a couple of months experience could have twice as many miles under their belt and better exposure to myriad day to day situations. In fact I would suggest the former of the two examples was the greater liability as with such a lack of regular use they never 'learn' the characteristics of the car.

But the claims stats suggest otherwise! They show that the former is less liability than the latter.

If the claims stats showed the other way round then we wouldn't be having this conversation!

[NikB]

Tim why aren't you answering my questions?