Emira Insurance UK

[richbrown]

Currently we are with Admiral on a multi-car cover, with renewal due, I enquired about adding the Emira. The pro-rata rate for 300 days is £336 for an "old git" in Yorkshire with 17 years ncd, 5k and garaged which seems reasonable, for comparison our 15 plate Boxster is £212 for 12 months.

Some people don't like the big companies I know, we are always open to suggestions of alternatives.

Sounds good. Admiral have always been generally pretty good for me. The thing I’m hoping to get with an owners club scheme is competitive pricing plus the inclusion of track days which I know the Porsche and Aston clubs have. £150 for an afternoon track day at Goodwood yesterday and 10% sum insured excess seems lumpy, especially on an Emira worth £80k+.

 

[TomE]

Most of the Lotus specialists I mentioned will include track days, either unlimited UK and supplement for EU or a set number (often 6). I took track cover off the Evora this year and left it on the Exige - I think it was £60 difference with a 15%/£1500 excess.

 

[richbrown]

Most of the Lotus specialists I mentioned will include track days, either unlimited UK and supplement for EU or a set number (often 6). I took track cover off the Evora this year and left it on the Exige - I think it was £60 difference with a 15%/£1500 excess.

Sounds good. I’ll make it a personal challenge to see if I can improve what’s currently available and I’m hoping with nearly 30 years in the insurance world I can find a single provider who’ll give Lotus owners economies of scale and better coverage and deductibles.
No pressure 😂

 

[Leonard]

Sounds good. I’ll make it a personal challenge to see if I can improve what’s currently available and I’m hoping with nearly 30 years in the insurance world I can find a single provider who’ll give Lotus owners economies of scale and better coverage and deductibles.
No pressure 😂

Holding you to that, even if I buy a Porsche 😅

 

[Tonyshepp]

Sounds good. I’ll make it a personal challenge to see if I can improve what’s currently available and I’m hoping with nearly 30 years in the insurance world I can find a single provider who’ll give Lotus owners economies of scale and better coverage and deductibles.
No pressure 😂

Direct line perhaps in Bromley??

 

[richbrown]

Direct line perhaps in Bromley??

Head office so should stand a chance ! Haven’t used them for years unfortunately

 

[richbrown]

Direct line perhaps in Bromley??

Holding you to that, even if I buy a Porsche 😅

Porsche GT4 Caymans a plenty at Goodwood and pretty quick 💥

 

[Scruff111S]

Holding you to that, even if I buy a Porsche 😅

Funny you should say that. I am just off out to my local Porsche dealer to see what I can buy, own and drive. I know, a strange concept that.🤣

 

[TomE]

Sounds good. I’ll make it a personal challenge to see if I can improve what’s currently available and I’m hoping with nearly 30 years in the insurance world I can find a single provider who’ll give Lotus owners economies of scale and better coverage and deductibles.
No pressure 😂

Fantastic, I didn't realise you were asking in that context. Look forward to hearing how you get on.

If you find someone who can also do multi-car (Lotus and non-Lotus) that would be handy for a number of forum members.

 

[Tommyboy1986]

On Confused.com there are two choices of Emira with identical descriptions (both manual). I wonder if one is a placeholder for the auto. Perhaps whatever triggers them appearing there (type-approval?) didn't happen at the same time. My Evora 410 Sport auto was about £250 last year, age 57, full NCB, on drive, low crime postcode. I priced the Emira up on confused and it was just over £500, albeit this was manual, I am getting auto. I can't see any reason that an auto will be significantly more cost than the manual.
Someone else mentioned that brand new models of cars are usually a bit more expensive to insure when compared to comparative established models as there is no history and so the risk profile is considered greater by the insurers.
I would recommend giving confused.com a try and at least you can get a figure to budget with.
Let us know how you get on.
I am not affiliated with confused.com and I receive no benefit from sending traffic there

How do you find your auto box on the evora ?

 

[JohnHoward]

How do you find your auto box on the evora ?

I was very happy with it (I sold the car late last year to lock in the Emira funds). Having said that, I am by no means an expert in such matters and my interest is more about overall looks, engineering and heritage rather than anything else. I have no experience at all of track driving and I would probably struggle to differentiate a great gearbox from and average one.
The auto blip (in Sports mode) on change down was awesome and made you sound like you knew what you were doing!
I did test drive a manual Evora, but as I have some left side weakness due to a neurological condition, I think I would have found a manual tiresome, hence my choice of auto for the Emira and previously for the Evora. I wanted the V6 for the sound, if the Emira is similar to or the same as the Evora it will be epic.

 

[DJS]

I was very happy with it (I sold the car late last year to lock in the Emira funds). Having said that, I am by no means an expert in such matters and my interest is more about overall looks, engineering and heritage rather than anything else. I have no experience at all of track driving and I would probably struggle to differentiate a great gearbox from and average one.
The auto blip (in Sports mode) on change down was awesome and made you sound like you knew what you were doing!
I did test drive a manual Evora, but as I have some left side weakness due to a neurological condition, I think I would have found a manual tiresome, hence my choice of auto for the Emira and previously for the Evora. I wanted the V6 for the sound, if the Emira is similar to or the same as the Evora it will be epic.

When I was on my factory tour one of the guys there like me had also ordered the V6 auto box as he had it on his current Evora. He said he loved it and absolutely nothing wrong with it, apparently the Emira version will be improved with a software update.

A lot of the first cars seem to be manual and more popular, certainly with the enthusiasts anyway. I will never track my Emira it purely as a daily driver and I think the V6 auto box will defiantly hold its value.

 

[New to Lotus]

I agree nothing wrong with the auto box and rev match downshift could be a very astute choice.

 

[VTECMatt]

GT4 £376 so would hope to be similar.

 

[JohnHoward]

Just checked and confused.com and comparethemarket still don't have the auto Emira listed. Confused has a trim choice of "First Edition" and "Emira" and comparethemarket has a trim choice of "First Edition" and "None", with both choices, on both sites being manual only. I know that some forum members have got auto quotes by going direct to their usual broker, but I wonder why the autos are not showing in the price comparison websites?

 

[freefall_junkie]

Just tried to get a quote via confused.com. Couldn't get a quote at all at first. After a bit of trial and error it seems it will only quote if I have a tracker. Has anyone else experienced this? I didn't choose the tracker option when speccing my Emira on the grounds that if it gets nicked I'd rather not have it back in a thrashed and abused state. It now looks like this was a mistake.

On a positive note, cheapest quote was only £367, but it looks like I'll have to see if I can get a tracker fitted on delivery before I can drive the car. Would it be worth trying one of the specialist brokers to get a quote without a tracker or are they all likely to require it?

 

[Tonyshepp]

Just tried to get a quote via confused.com. Couldn't get a quote at all at first. After a bit of trial and error it seems it will only quote if I have a tracker. Has anyone else experienced this? I didn't choose the tracker option when speccing my Emira on the grounds that if it gets nicked I'd rather not have it back in a thrashed and abused state. It now looks like this was a mistake.

On a positive note, cheapest quote was only £367, but it looks like I'll have to see if I can get a tracker fitted on delivery before I can drive the car. Would it be worth trying one of the specialist brokers to get a quote without a tracker or are they all likely to require it?

I've not gone for tracker but when i looked a month ago and the Emira manual was listed it didn't require a tracker but my quote with full no claims and over 50 in a quiet area came in at £750 fully comp.

 

[Jimblob]

I'm 48, no points or convictions and 10 years NCD. Live in East Sussex. Mine came in at £680. Then I added my wife and It was £50 cheaper - and she has 3 points and a claim!

So £630 in total with LV.

 

[JohnHoward]

I'm 48, no points or convictions and 10 years NCD. Live in East Sussex. Mine came in at £680. Then I added my wife and It was £50 cheaper - and she has 3 points and a claim!

So £630 in total with LV.

Same for me, adding my wife to the policy, even though she won't drive it, brings the price down (on a manual). Still can't get an auto quote yet as Type Approval is still not granted for the auto gearbox.

 

[freefall_junkie]

Just tried adding my wife and it brought it down too, now an amazingly cheap £342 from LV, and that is without any NCD as my discount is used on my daily driver. I will have to get a tracker fitted, but the same Scorpion S5 Tracker which costs £500 as a factory option can be retro fitted for £379 from trackershop.com. Happy days, just need the car now