With regards to modern cars we have been working hard to make our rates as competitive as we can and will always offer you the best rate possible. We also offer discounts for multi-vehicles. We understand this may not always be the cheapest quote available but would point out that our benefits/features often exceed those of our competitors.
With regards to the "over 10 or 20 years" question the price we offer would apply based on the age of vehicle at the point the cover is taken out. You would still receive the free and automatic salvage retention if your vehicle is over 20 years of age at the time of a loss, even if it wasn't over 20 years of age when the policy was taken out.
Finally, regarding small print and renewal amendments. I cannot comment on your individual circumstances. There are rare occasions where policy benefits or terms may have changed and would always urge customers to check their documents at renewal. Customers receive a notice if a change applies during the course of a policy. Changes in premium over a previous year could be driven by a number of factors such as claims or convictions or changes in policy coverage/terms/benefits.
If you need to discuss particulars with your own policy then I would invite you to message me your details in private.
Darren C wrote:Hi Scott,
I have had a RH classic car, multi car policy for 15 years now with you guy's.
For ease a few years ago I added my everyday car on so the policy at the time had 7 classics and 1 modern car. I found it non competitive and expensive to add a modern car, the premium was much higher for that car than almost anywhere else (in fact I got it for less than half what you wanted in the end with another insurer). My point is that loyalty has little influence on the rates. I assumed as I'd been with you over 10 years at the time you'd automatically offer a good deal, not so.
Also the threshold on car age is deceptive. You say over 10 years or over 20 years old. In reality the benefits didn't apply for me until the car is 11 years or 21 years old. So this needs making clear. Also if the car turns 11 years old 1 week into the insurance year the benefits didn't apply until the following year when technically the car is all but 1 week off 12 years old.
Additionally each year at renewal I have to carefully check the RH small print as items that were covered the year before weren't covered on the renewal. This is bloomin annoying when for example I've had wedding cover on my cars for years then year before last RH took it off without explanation at renewal, and increased the premium??? I then had to contact you to add it back on.
Overall the classic premiums are good (wouldn't touch the modern car policies with a barge pole) as is the service. But the trust is lost at renewal when data is not transferred from one year to the next.