marksparks999
Part of things
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I aim to live forever, or die trying!
Posts: 656
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Apr 15, 2011 18:28:32 GMT
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well for my four peneth...
CAT - A must be total crush (no salvage of parts) - this category is usually reserved for contaminated/most serious of accident/fire damaged/Salt Water Flood damage.
CAT - B should NOT BE RETURNED to the road... however i VIC Check vehicles in this category on along with VOSA. Most common CAT - B that are returned to the road are Fresh Water Flood damage
CAT - C/D these are a commercial decison by the insurers in relation to value of repairs
CAT - X/U these are self insured... and be aware they don not show on HPI/Experian or any of those check sites, however they are registered through MIAFTR.
With regards to insurance to drive a mates car your policy must state 'COVERS DRIVING OTHER VEHICLES', but be aware i have known insurance companies fail to cover people as they had a policy for a punto but were driving an SLK!!! That gets them 6 points No Insurance, £200 Fine, and probably a double premium next year (if they can find insurance).
i would add Chaucer to the insurance list... been with them 3 years, and £78 fully comp, guarenteed value £3k, limited to 3k miles...
anyway great post!
your friendly resident plod!
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Retroless at the moment... but on the hunt for something old!
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Jul 26, 2011 22:00:55 GMT
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Just a quicky.
Can someone explain why a thrid party only quote is more expensive than a comprehensive one on moneysupermarketsite?
Should be the other way round for sure?
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![](http://img.photobucket.com/albums/v11/ettore_bugatti/banner.jpg) Click picture for more
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Jul 27, 2011 11:27:31 GMT
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Just a quicky. Can someone explain why a thrid party only quote is more expensive than a comprehensive one on moneysupermarketsite? Should be the other way round for sure? It's an oddity that I've never understood, but surprisingly common. Third Party Fire & Theft normally works out cheaper than Third party only and sometimes fully comp is cheaper again... If it's for anything other than a standard, modern-ish car, call some brokers rather than using comparison sites ![:)](//storage.proboards.com/forum/images/smiley/smiley.png)
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...proper medallion man chest wig motoring.
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Jul 27, 2011 12:27:32 GMT
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because they are asking a different underwriter and probably one who specialises in high risk people who can't get fully comp cover at all...
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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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Excellent post, very useful.
Can i just add a two pennith about Adrian Flux. Last year i had an accident (my fault) while insured with Adrian Flux. After i had the accident i changed vehicles and they jacked the price of my cover up by £300 for the remainder of my policy. Then to top it all of a few weeks ago i received some court papers in the post as they had decided to not bother paying out the money owed to the third party so that queued a week of frantic letter writing and phone calls from myself trying to make sure the money got paid and i didn't get a CCJ.
I managed to get it sorted but i would advise anyone to avoid insurance from Adrian Flux like the plague
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Aug 12, 2011 15:02:14 GMT
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Just brought i 95 mustang 5.0ltr v8 auto about a month ago and got it on a classic policy with no problems cost me £250 a year limited to 1,500miles a year and i am nearly 50
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j4mes
Part of things
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Posts: 168
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Aug 27, 2011 21:21:17 GMT
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Anyone got any recommendations for classic insurance, I'm 25, have held my license for 8 months, with 0 no claims as I've been insured on the works fleet insurance.
The car: Porsche 924 2.0.
Any chance or should I get myself a 1 litre for a couple of years?
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Sept 1, 2011 15:09:43 GMT
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Can someone explain why a thrid party only quote is more expensive than a comprehensive one on moneysupermarketsite? Should be the other way round for sure? It's an oddity that I've never understood, but surprisingly common. Third Party Fire & Theft normally works out cheaper than Third party only and sometimes fully comp is cheaper again... If it's for anything other than a standard, modern-ish car, call some brokers rather than using comparison sites ![:)](//storage.proboards.com/forum/images/smiley/smiley.png) Same reason why basic 3rd party is sometimes more than TPFT ![>:(](//storage.proboards.com/forum/images/smiley/angry.png) I asked and was told that anyone after basic cover was regarded as not caring about their vehicles, hence higher risk ![:o](//storage.proboards.com/forum/images/smiley/shocked.png)
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Sept 1, 2011 15:15:06 GMT
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You might also want to check how much it is going to cost you to ring to change policy or renew. My renewal is due, have been trying for a few days and listening to "on hold" music at 20p/minute ![>:(](//storage.proboards.com/forum/images/smiley/angry.png) Several companies are now using their inbound phone calls to generate cash ![>:(](//storage.proboards.com/forum/images/smiley/angry.png) Some numbers are very bad news if you only have a mobile, especially any starting 08xx or even worse 09xx www.o2.co.uk/mobilestariffs/tariffs/specialnumbersedit for typo ![:-X](//storage.proboards.com/forum/images/smiley/lipssealed.png)
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Last Edit: Sept 1, 2011 15:17:30 GMT by nomad
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Sept 4, 2011 16:32:11 GMT
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I got a question. I cant find it covered elsewhere so thought i'd ask here.
My Fiesta is coming off the road end of the month, now i have a chap looking to buy it. But if he don't i'll keep it. Now i wont be using it on the road for the forseable future (few years) however i will use the no-claims on the policy for another car. Are there any insurance companies that will cover a car for storage? Against all the nasties but without road liability? I'd like it to be protected but don't really want to fork out for yearly road policies, if that makes sence?
Ta
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Sept 7, 2011 20:11:14 GMT
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Thanks for the awesome post Alistair.
I have a problem however, I can't find anything 'official' on driving an uninsured car whilst being covered on your comprehensive insurance on a third party basis.
Of course it makes sense that this would be ok, but insurance seems to be designed to catch you out.
My doubts come from watching a road cops with cameras thing, they gave a very honest looking guy in an old Saab a tug because the car showed as uninsured. He was very calm as he had comprehensive cover including other cars at third party. He soon lost his calm when the lovely policeman gave him 3 points, a fine and took his car.
They commented to the camera that it was a common misconception that would catch honest and decent people out.
Can anyone help with this?
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I've got Rovers.
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Sept 9, 2011 13:22:09 GMT
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I actually spoke to my Insurance about this about a year back.
Not a lot of people are aware the the car you are driving DOES need to be insured by someone else. A lot of people have even managed to claim this way, my brother in law for one before he was aware of the law. I saw law, i know thinking of it legally, i mean terms of the insurance.
Be warned there has been a thing going around recently, that seems legit, a lot of companies are saying you can drive other cars (as normal) but aswell as not being able to drive other cars you own (which as always been the case), also now they're saying partners cars also. I.e your wife/husband or GF/BF! They want u named on the policy! So check it out if that's what u do a lot.
Anyway the reason I dropped in here, a little heads up on "Modern Classic" policies for your semi-moderns! I've just been knocked off my feet and given a quote of £163 a YEAR for a 2000 Registered Volvo S80 2.4 SE as a "Modern Classic" with limited miles. It will be my second car and have little use so fits perfect! Shocking compared to Direct Line's £1127 for the same car even with 4 years NCB and "Multicar discount" rubbish!
Worth a look!
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Last Edit: Sept 9, 2011 13:23:20 GMT by Deleted
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Sept 9, 2011 13:36:30 GMT
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LMAO!
Had problems recently trying to insure my 1992 citroen zx and 1993 309 goodwood, a few insurers said they wouldnt insure as they werent old enouhg for classic, but too old for mdern, like WTF?!
Got the ZX insured as a normal modified vehicle now which ended up slightly cheaper than a standard unmodified quote from all the big names.
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Feb 22, 2012 19:02:30 GMT
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Thanks for the post.
I've been calling around a lot the last two days, not had a great deal of luck. Most are wanting £1500-2000+ when my renewal with Admiral is £750.
Mostly due to my age (20 - most I've spoken to want 21 or 25+) but I think my car plays a part too. It's an '88 Pug 205 XS which doesn't seem to fit into the 'classic' category for many so they can only offer a modern policy.
My stats: 20, licence 2 years, 1 year NCB, not great postcode, 5k miles a year, 1988 Peugeot 205 XS, stored on drive, student.
Some notes I took down while on the phone to various brokers:
Peter James
Cannot quote for 205 unless 25+ Vehicle must be 30yrs+, only Triumph or MG for someone my age.
Footman James
Only modern policy available to me, only one insurer can quote £2000+
Put through to callconnection who recommend tiger.co.uk which gaves me quotes through my current insurer at double their renewal price.
HIC
Asked me my name three bloody times, then gave a quote of 2000+ tpft
Graham Sykes
Policyholder must be 25yrs+ for classic. Car must be 'rarer' apparently. £2k+
Sureterm
Must be 25+
Lancaster
21/25+ for classic policy. £1400ish on modern
- Still got a couple more to call but at this rate I think I will be staying with Admiral. Can't knock them too much but the £17.50 admin fee to change cars annoys me, and I was rather hoping to bring my premium down a fair bit this year. Obviously I'm not expecting it to be peanuts but £750 feels a bit much. Extra annoying as my car is 1yr outside the age bracket for some and my last car was just in it!
Oh well.
If anyone knows of an insurer that will do a good deal for young drivers on semi-classics, please tell me!
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Last Edit: Feb 22, 2012 19:06:52 GMT by wichard
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Feb 22, 2012 19:23:29 GMT
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Graham SykesPolicyholder must be 25yrs+ for classic. Car must be 'rarer' apparently. £2k+ ![???](//storage.proboards.com/forum/images/smiley/huh.png) I'm 19 and I got insured with them yesterday, £1300 for my '85 Mini on my own fc classic policy. Couldn't find anyone else that would insure me apart from Adrian flux and even they didn't give me a fully comp quote as "it came out too expensive".
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Feb 22, 2012 19:59:31 GMT
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I think I've written that wrong. My scribblings weren't detailed so probably meant car must be 25yrs+ and I've been quoted on a modern policy for £2k+ They didn't seem interested either way ![:(](//storage.proboards.com/forum/images/smiley/sad.png)
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Good post thank you. And to stop the insurance companies making too much money google say no to 0870 click search for an alternative type in the companies name and voila a 01 number ![;)](//storage.proboards.com/forum/images/smiley/wink.png) works for all the companies listed saves a fortune
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Footman James no longer quote for young drivers as i just found out. Have to be 25.
No idea how I'm going to insure myself this year...
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Jan 26, 2014 21:51:23 GMT
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A change in insurance came about last year that to drive a car on your drive any car clause that car has to have it's own policy in force, this was written in mainly to stop you buying an expensive car, registering in in a mates name and driving it on your cheaper policy.
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whysub
Part of things
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Posts: 65
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Dec 29, 2014 13:45:24 GMT
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I drive a modified VW T5 as my everyday vehicle, but there are times when a second car would be better, like when I go shopping or other places I spend worrying about where I have parked the T5.
I have had older cars insured on "classic policies" to use as well as my previous VW T4 which was modded, namely a Merc 190E, then a Lexus LS400, but sold the Lexus in May 2012 when I bought the (standard) T5. Now the T5 is finished it's time to get another cheap old car to use as a second car (probably do 2,000 miles a year in it). the advantage of an old car is that they don't lose much in value if I do nothing to them, or increase in value when i get them a good wash, polish and several coats of wax.
However, i am amazed at what I am being asked to pay. I have asked for quotes from two "classic Insurers" on a couple of cars available cheaply locally to me, namely a 1996 Saab 900S and a 1999 Alfa 156. I was quoted £250 per year for the Alfa and £320 for the Saab (my 1994 LS400 cost me just £96 fully comprehensive in 2012).
I'm 55 living in a rural area, car will be parked on a gated and locked driveway at the rear of my house, no convictions or claims, have 38 years no claims on 4 wheels and 39 years on two wheels (I have 4 modern motorbikes). My highly modified T5 has to be parked on the road and I pay just £400 fully comp for that.
Is it me, my choice of cars, or the insurers? Any advice on what older car will be cheap to insure?
Thank you.
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