Porsche Boxster Insurance
Insuring your Porsche Boxster isn't going to be
cheap. However, if you consider the options you're going to fit
(including security devices), look around for the best policy, and take
care to build up a healthy no-claims bonus, it's not going to break the
bank.
Take for example the Porsche Boxster S which in
standard form attracts a whopping group 19 tag thanks to its 260 brake
horsepower, 3.2 litre engine.
Despite immaculate road-holding, ABS brakes and one of
the finest chassis ever put in a road going car, the insurers have
decided that it’s a big risk.
But you can do things to reduce the risk, even before
you put your final spec into Porsche – you may have rejected the
tiptronic gearbox option on the basis that it adds a hefty extra price
to the already costly Boxster. But for many insurers the tiptronic
Boxster is a group lower, and the difference between 18 and 19 can be
considerable – many insurers won’t touch anything over 18, so there
are a lot more companies to choose from when you go for the extra cost
of tiptronic.
One reason for the lower group on the tiptronic
Boxster S is that its performance is a little less sparkling on paper,
but despite this most drivers will get better performance from it –
the tiptronic option may have a slightly higher 0-60 time in the hands
of a racing driver, but under normal conditions, with an average driver,
the tiptronic will outshine its manual sibling. And as the driver has to
concentrate less on being in the right gear, he or she can concentrate
more on the other.
So consider the higher resale value of the tiptronic
and the savings you’ll make on insurance, but deduct the penalty
you’ll pay for its slightly heavier fuel consumption. On balance the
tiptronic might actually be a more enjoyable, and more economical
consumption in the long term.
But most of all, consider the fact that the highly
experienced staff of our biggest insurers, backed up by a wealth of data
and powerful computers to process it, have decided that a Boxster S with
a 6 speed manual gearbox is group 19 compared with a tiptronic Boxster S
which they rate at group 18. And that one point is sufficient for many
of them to refuse to insure it.
Other Insurance Group factors
Our enquires also revealed that although many
companies will award cars a lower rating if they have ABS, not many have
yet recognised the benefits of other active safety systems such as
stability management.
We investigated Porsche’s stability management (PSM)
system and found that it’s a superb safety aid, with a high
performance computer system taking steps to keep you out of trouble when
it detects, through its sophisticated sensors, that you are about to
lose control of your vehicle. However, we were amazed that not one of
the insurers we spoke to were prepared to offer a discount for vehicles
fitted with this excellent system.
Reduce your insurance policy
Check out our guide to Boxster
Security
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