Grove & Dean - is this normal?

[seamus62]

End of our first year with them and renewal received. We have received two renewals emails/docs - one for insurance and a separate (£75) one for Excess protection. Wasn't even aware that I had taken out Excess protection. Never seen it before issued as two separate policies and renewals - is this the norm?

 

[Gaston aires]

Judging by the lack of replies I don’t think many people understand your blog ?
Not just ignoring you on purpose.
Phil

 

[Figaro]

£75 seems a lot just to protect your excess ? How much is the excess ?
Have a careful read of t&C's and decided if it's justified.

 

[VXman]

Not seen that as an option on car/MH insurance before...I have used excess insurance on hire cars. Usually they are about £40 for a annual policy.

 

[seamus62]

Voluntary & Compulsory Excess is £500 so £75 does seem on the high end for XS protection. Will be getting some alternate quotes before speaking with them.

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[2bob]

a plan

 

[Jimbohorlicks]

Never heard of Grove and Dean as a MH insurer.
What was your first premium cost? And renewal?

 

[seamus62]

They are a broker. Last year (my first) was £313 + £75 XS protection. Renewal is £258 + £75 XS protection. Both include breakdown.

First year was with 0 NCD and renewal has 1 year NCD.

Having now checked a few other quotes I'm pretty happy with the renewal figure although I may drop the XS protection this year.

 

[chaser]

They are a broker. Last year (my first) was £313 + £75 XS protection. Renewal is £258 + £75 XS protection. Both include breakdown.

First year was with 0 NCD and renewal has 1 year NCD.

Having now checked a few other quotes I'm pretty happy with the renewal figure although I may drop the XS protection this year.

Havnt a clue what this excess thing is but even so if it's including breakdown it seems very reasonable.

 

[rb62]

So who is the insurance actually with?

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[seamus62]

The insurer on the renewal document is shown as "Highway Specialist F/C EDI".

Never heard of them to be honest.

Edit to add - looking at the certificate itself it was with LV=

 

[cmcardle75]

The insurer on the renewal document is shown as "Highway Specialist F/C EDI".

Never heard of them to be honest.

Edit to add - looking at the certificate itself it was with LV=

Highway is a LV department specialising in unusual risks, such as teenage drivers and specialist vehicles.

 

[seamus62]

Thank you that makes sense.

 

[gus-lopez]

aving now checked a few other quotes I'm pretty happy with the renewal figure although I may drop the XS protection this year.

so would I be.

 

[POH]

Never heard of Grove and Dean as a MH insurer.
What was your first premium cost? And renewal?

They are Performance Direct

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[bigtree]

They don’t have very long European cover, think they said 28 days.
I’ve just got a good price with NFU, just had to find separate breakdown cover.

 

[Keep Right On]

Highway is a LV department specialising in unusual risks, such as teenage drivers and specialist vehicles.

F/C EDI stands for "full cycle electronic document interchange" . A very old product tag meaning both new policies and renewals (full cycle) can be dealt with electronically between the broker and the insurer. You did ask.

 

[plumbob]

Grove and Dean are solicitors doing brokerage reasonable price includes breakdown and legal. Don’t know what there like when you need to claim