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hey all, just been ringing around for quotes on a car ive bought but yet to pick up/mot/drive. its a 1962 volvo 121 (amazon) LHD swedish imported in 1984 insured value of £1000ish imagine my annoyance that because ime 20 (deemed to be within the "dickhead age") and because people INSIST on crashing into me regulary (3 accidents and never my fault......but still it tarnishes my record!) ive just got a quote of £1400. ive only bought the car for £550! i don't qualify for classic insurance due to my age. which is an amazingly big pain in the  considering the car is 2 and a bit times older than me! why oh why does insurance penalise young classic car owners?? i have everything going for me: garaged/limited mileage/underpowered engine/2nd car/nice area. yet i still cant get a reasonable quote! the accident thing frankly baffels me too! howcome if its not my fault, my premiums go up?? has anyone else had similar problems. and if so did you manage to get over them?? it looks like my only option is to fix it up and sell it now! edd |
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Shelby Daytona - Scratchbuild project.
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Hi there. Manchester chap?  Manchester has hiked up some of my premiums and i'm no spring chicken any more. any M post code is variable high risk  which is annoying considering the costs of living here in a 'nice area'. coupled with being 20 its even worse. Have you tried adrian flux and other people specialising in strange cars etc. it makes it easier to shop around. what about Volvo owners club etc? |
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 it doesn't matter if it's a Morris Marina or a Toyota Celica - it's what you do with it that counts  |
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Jan 29, 2007 10:01:49 GMT
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I think you basically have to just take it until you hit 21 and then your insurance drops. I'm 26 and the insurance on the Oxford is £150 odd. Have you tried confused.com? It could be worse, you could be 17, or have a conviction for drink driving behind you. That really kills your insurace for years.
Being a LHD affects the premiums too I think.....
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1987 Maestro 1.6 HL perkins diesel conversion 1986 Audi 100 Avant 1800cc on LPG 1979 Allegro Series 2 special 4 door 1500cc with vynil roof. IN BITS. HERITAGE ISSUES.  |
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Jan 29, 2007 10:08:16 GMT
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The fact you are statistically a big crasher is annoying, when you say you are just unlucky. thats not good. utyeah insurance is one of those things you like or lump, which is rubbish and no help. having said that you could request data held by companies with details about you I with data protection act. not sure how much this would help like. Just try ring everyone who can help as a specialist insure. phone milage = money off sometimes. roadsure are good but insure over 21's, hastings, and the rest look in mags yellow pages everywhere, may help. are you a student cos you could try endsleigh? |
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it doesn't matter if it's a Morris Marina or a Toyota Celica - it's what you do with it that counts |
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Jan 29, 2007 10:14:05 GMT
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reanimation- yeah a manchester chap. i was thinking of trying to insure it at my sheffield (uni) address. but ime told sheffield is "the car crime capital of britain"...which is nice!
i also drive a vauxhall astra. 1.7dti! i.e high insurance group (for what it is) and an engine so nearly as big...and twice as powerful! and the insurance is about 1200 a year! cheaper than a car 38 years its senior!
i might have to try going through my dad AGAIN until ime 21. or fix it up and sell! (which i would rather not do!)
edd
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Shelby Daytona - Scratchbuild project.
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Jan 29, 2007 10:27:23 GMT
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Keep trying. Not long till ya 21...  |
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it doesn't matter if it's a Morris Marina or a Toyota Celica - it's what you do with it that counts |
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Jan 29, 2007 10:29:58 GMT
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don't worry too much, once you hit 21-22 ish the insurance simply tumbles down. Insuring it in a family members name does seem the best idea. I had a volvo 262 when I was 19 odd. Insurance wanted £5k (yes, 5 grand!) to insure me. Needless to say, my parents ended up having it.
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Last Edit: Jan 29, 2007 10:30:54 GMT by Lankytim
1987 Maestro 1.6 HL perkins diesel conversion 1986 Audi 100 Avant 1800cc on LPG 1979 Allegro Series 2 special 4 door 1500cc with vynil roof. IN BITS. HERITAGE ISSUES. |
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Jan 29, 2007 12:17:37 GMT
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the accident thing frankly baffels me too! howcome if its not my fault, my premiums go up?? has anyone else had similar problems. and if so did you manage to get over them?? it looks like my only option is to fix it up and sell it now! edd right coupla things, even though its not your fault your insurance company can hike up your premiums due to 'the risk factor' ,irrespective of who was at fault ,if you insurers think you are a greater risk of being involved in another crash they can and will bump up the costs.help is at hand though,if (hope not) it happens again,claim directly off the other guys insurance,just ring them up and say you want to deal directly and make a third party claim,you will still have to inform your insurers but this time it will be for 'notification only' so its only on file for reference and nowt else and can't count against ya.the other ins co is usually v.happy to do this as it saves them money (trust me i do this for a living) DO NOT register it at a different addy,if they find out your insurance will be automatically null and void and you could be taken to court to get fleeced for the other guys costs etc. some ins co's will do classic insurance for the u21's but they are few and far,so be patient and ring round,try your local high street brokers,you may get a shock on what they can do and how flexible they can be. hth ANDY |
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Mr K
Posted a lot
Posts: 2,993
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Jan 29, 2007 12:46:38 GMT
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I'm 19, the kitten turns 31 this year and most insureres wont touch a car thats over 30, if they do its stupid money, and i cant get classis yet. I'm choosing to ignore this, and get it ready for the 2007 show season anyway. i suppose it can become a 1981 reliant kitten but thats not exactly legal. acordin to confused a 1976 848cc reliant kitten is gonna be about £750 to insure for a year, a 1996 1.9TDI 306 is gonna be about £700. why bother having a small engined, 'green car' when insurance is like this? |
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Jan 29, 2007 13:58:32 GMT
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Hi. I would suggest to just keep trying different places.
I spent a day phoning round insurance companies to try and get my suzuki engined mini insured. I'm 20 BTW and am using my no claims on another car. I was getting average quotes quotes of £2k but then someone quoted me £750 fully comp with agreed valuation etc. That is on a classic car policy with a limited 5000 miles.
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Jan 29, 2007 14:30:55 GMT
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its getting a little better! footman james want "£1095 for a fully comp policy, and 554 for a tpft. although i did forget to mention it was lhd! oops.. could i get away with this if they didnt ask? underhand i know... apparently because i have a claim in dispute at the moment ( overtaking two cars on the snake pass, one didnt look in its mirrors before overtaking.....smack into the side of me!) my quotes are about 20% higher! endsleigh have also just made me laugh down the phone £2111 for tpft! hooray for insurance PSmurfy - who was this with? it may be worth me giving them a try?? |
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Shelby Daytona - Scratchbuild project.
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tofufi
South West
Posts: 1,458
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Jan 29, 2007 15:16:39 GMT
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Footman James insure me TPFT on a 1300 VW beetle for £386. limited to 1500 miles/yr. I'm 18, been driving for 10 months now. And they don't bump up the cost because of modifications (lowered, stereo etc). Be interesting to see how they do for me when I get my 1600 camper on the road  |
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Jan 29, 2007 15:20:39 GMT
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Footman James are good for me. But then they do odd things, like they wouldn't insure my mates Humber Hawk ecause it had non-stock paintwork. No option to cover it at extra premium, just a "sorry, that invalidated your insurance". I check every mod out with them carefully before doing it as I have heard of them being quite picky on that score. They were very interested when I rang up about the 5A mods I have planned about how this would affect the cars performance.
Always decalre everything I reckon, you have three claimsagainst you already you don't want a cancelled cover or a driving without insurance against you as well...
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1941 Wolseley Not Rod - 1956 Humber Hawk - 1957 Daimler Conquest - 1966 Buick LeSabre - 1968 Plymouth Sport Fury - 1968 Ford Galaxie - 1969 Ford Country Squire - 1969 Mercury Marquis - 1970 Morris Minor - 1970 Buick Skylark - 1970 Ford Galaxie - 1971 Ford Galaxie - 1976 Continental Mark IV - 1976 Ford Capri - 1994 Ford Fiesta
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tofufi
South West
Posts: 1,458
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Jan 29, 2007 15:47:16 GMT
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With me, footman james did not ask if the car was a stock colour, just what colour it was.
I put blue, and send off photos for the agreed valuation. It's not a stock colour, but they didn't say anything.
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Jan 29, 2007 16:07:20 GMT
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I went through miniworld. I cant remember who they put me through to now but I will dig my policy out later and let you know.
EDIT:
I think miniworld are HIC? Have you tried them?
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Last Edit: Jan 29, 2007 16:07:44 GMT by PSmurfy
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Jan 29, 2007 16:12:14 GMT
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just tried HIC and as ive had 3 accidents they wont insure me for a reasonable sum
footman james is the only company with a reasonable quote for me!
this has taught me, next time someone hits me, and my car isnt damaged enough to make me stop, ime dashing and not claiming! because of two accidents which would have cost me under £250 to repair i cant get reasonable insurance ANYWHERE!
sigh!
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Shelby Daytona - Scratchbuild project.
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Jan 29, 2007 16:14:34 GMT
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Footman James insure me TPFT on a 1300 VW beetle for £386. limited to 1500 miles/yr. I'm 18, been driving for 10 months now. And they don't bump up the cost because of modifications (lowered, stereo etc). Be interesting to see how they do for me when I get my 1600 camper on the road Thats very VERY good!! You need to be aware too about a little underhanded practice insurers are getting up to. If you miss a direct debit payment for whatever reason (bank cock up e.t.c) then some companies immiediately cancel your insurance there and then. They send you a letter to tell you but that can take a couple of days to get to you. In the mean time you car will then show up on the national insurance database as uninsured so any police car with a number place reader will automatically pull you. 6 points and a big fine, even though as far as you knew you were all legit. No excuses!! Happened to a friend of a friend a year or so ago. |
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1987 Maestro 1.6 HL perkins diesel conversion 1986 Audi 100 Avant 1800cc on LPG 1979 Allegro Series 2 special 4 door 1500cc with vynil roof. IN BITS. HERITAGE ISSUES. |
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tofufi
South West
Posts: 1,458
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Jan 29, 2007 19:05:29 GMT
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Indeed, I am very pleased with it I do live in a posh area however, and it is kept on the drive or garaged. It even comes with free breakdown cover, which I had to use once. It was outside contractors (unsurprisingly) but they got a truck out to me which would go fully flat to allow my bug to get onto it without scraping, and in reasonable time too. The last time I had to get my bug onto a normal towtruck it left two huge gouges out of the road and bits of tarmac all in the exhaust when it came off again.  |
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Jan 29, 2007 19:29:32 GMT
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Two firms to try....Richardson Hosken who I insure my Rangey thru..
RH Specialist Car Division
Library House
New Road
Bretwood
Essex
CM14 4GD
Tel: 01277 206911 Fax: 01277 206519
and Aon insurance, who V8devon swears by...
Aon Classic Car
Briarcliff House, Kingsmead, Farnborough, Hampshire
GU14 7TE
Tel: 01252 767154
I don't know what their policy is regarding U-21's (I wouldn't see 21 again even if you gave me a telescope....), but got to be worth a try, RH beat all the big names when I was shopping round for a quote on the Rangey (5000m a yr, all modifications listed, fully comp, £108), and theuir customer service is great too IMHO.
Hope this helps you mate.
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Jan 30, 2007 12:18:29 GMT
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With me, footman james did not ask if the car was a stock colour, just what colour it was. I put blue, and send off photos for the agreed valuation. It's not a stock colour, but they didn't say anything. Ah, it was when they got the photos and saw the (very curse word!) flame paint job that they wrote back... |
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1941 Wolseley Not Rod - 1956 Humber Hawk - 1957 Daimler Conquest - 1966 Buick LeSabre - 1968 Plymouth Sport Fury - 1968 Ford Galaxie - 1969 Ford Country Squire - 1969 Mercury Marquis - 1970 Morris Minor - 1970 Buick Skylark - 1970 Ford Galaxie - 1971 Ford Galaxie - 1976 Continental Mark IV - 1976 Ford Capri - 1994 Ford Fiesta
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which is annoying considering the costs of living here in a 'nice area'. coupled with being 20 its even worse.
