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Car Forum / UK Car Forums / Classic Cars (UK group) / March 2004Insurance Costs!
Not looking for an insurance company, just wondered why on earth an 87 Mini Mayfair 998cc is twice as much to insure as a 1975 Triumph 1500TC automatic?? I pay about 80 quid fully comp for the Triumph, so howcome the same vcompany has just quoted me ?140 for a flipping Mini? That sounds high for a normal policy for someone who's had a license 10 years, let alone a 3k miles a year classic policy... Or has there been yet another spike in insurance since I last renewed? Suffice to say, if my other lot can't do a better deal, I think there's going to be a Mini on Ebay soon... > Not looking for an insurance company, just wondered why on earth an 87 > Mini Mayfair 998cc is twice as much to insure as a 1975 Triumph 1500TC > automatic?? Because a Mini is far more likely to be driven by a loon than a mid 70s OAPmobile? > I pay about 80 quid fully comp for the Triumph, so how come the same > company has just quoted me ?140 for a flipping Mini? That sounds high > for a normal policy for someone who's had a license 10 years, let > alone a 3k miles a year classic policy... Bwahahahahahahahahahahahahahahahahahahahahahahahahaha..... > > Not looking for an insurance company, just wondered why on earth an 87 > > Mini Mayfair 998cc is twice as much to insure as a 1975 Triumph 1500TC [quoted text clipped - 9 lines] > > Bwahahahahahahahahahahahahahahahahahahahahahahahahaha..... This _has_ to be a wind-up. I don't know anyone who's managed to get car insurance under £100 / year. Well, apart from a few pensionners who've been driving claim-free for 40-odd years, that is. You think £140 is bad, try quoting for it on a standard policy. Reckon on at least doubling it. Even with full, protected NCB, I haven't yet managed to better £400 / year on my everyday car, or £200 for a classic.  SignatureSteve H 'You're not a real petrolhead unless you've owned an Alfa Romeo' http://www.italiancar.co.uk Honda VFR800 - MZ ETZ300 VW Golf Cabrio - Alfa 75TS - Nissan Primera(I can't explain that either) BoTAFOT #87 - BoTAFOF #18 - MRO # - UKRMSBC #7 - Apostle #2 - YTC # > > > Not looking for an insurance company, just wondered why on earth an 87 > > > Mini Mayfair 998cc is twice as much to insure as a 1975 Triumph 1500TC > > > automatic?? > > > > Because a Mini is far more likely to be driven by a loon than a mid 70s > > OAPmobile? That's what I'm thinking... Minis have become a Bit Kevvy in the last few years I suppose :( And I like my OAPmobile, even if it won't do over 50 without shaking apart :-p > > [quoted text clipped - 4 lines] > > > > Bwahahahahahahahahahahahahahahahahahahahahahahahahaha..... Not so funny! > This _has_ to be a wind-up. I don't know anyone who's managed to get car > insurance under ?100 / year. Well, apart from a few pensionners who've > been driving claim-free for 40-odd years, that is. Nope, no wind up. 3k a year, classic policy, fully comp, Euro cover for 30 days, breakdown coer included, 80 quid plus a tenner to pay in three installments. That's with me being under 30 too. Peter Best Insurance. Second Triumph, 70 quid with same people, same conditions. All you need is the right car and the right company.. > You think ?140 is bad, try quoting for it on a standard policy. Reckon > on at least doubling it. Had a look at that - It's bloody stupid, quotes for a Mini were coming up as more than it was to insure my first one, when I had just passed my test at 18! > Even with full, protected NCB, I haven't yet managed to better ?400 / > year on my everyday car, or ?200 for a classic. Well having read your posts a bit, maybe you could try being nice to them next time? ;) The Triumphs are group 7, not as high as Alfas and the like, and I'm a club member. I don't need commuting on the particular policies, but that is possbile for not a great deal more. I'm also with Herts for a different car, was a mk3 Escort (bought off Ebay cheap as a parts collecting wagon), was 120 quid TPF&T as a classic after I shouted at them for including non free extras I didn't want, 165 before that. Only problem is my phone bill costs more than the premium as I can never get through to them for at least an hour whenever I phone. Finally got through tonight (too late to get paperwork for tomorrow to tax it) and got the Mini swapped onto the Escort policy for no extra charge... I just can't believe someone who can cover me for less than a ton in a 70s luxury auto can't do better for a totally standard little shopping cart. Still, the way it works out, I wouldn't have got a refund on my Herts policy, and I don't have the Escort anymore, so this has efectively cost me nothing till September, when hopefully I can either get a good deal or just go back to only running the Triumphs :) > This _has_ to be a wind-up. I don't know anyone who's managed to get car > insurance under £100 / year. Well, apart from a few pensionners who've > been driving claim-free for 40-odd years, that is. I think it's true, if you've got a tame enough car. Morris Minor, Triumph Herald or something. I'm sure there are, or have been, people in here who insured whole fleets of old cars for 100-200 quid. With the classic policies they don't even take your no claims. > Even with full, protected NCB, I haven't yet managed to better £400 / > year on my everyday car, or £200 for a classic. I'm about the same. But if they could insure me for £220, at 26, on a series 1 BMW 323i which is a frankly dangerous piece of machinery, I can see as how a little pottering around type classic would be a lot less! Hi, I pay 180.00 a year for my Austin Cambridge unLTD mileage agreed value ?1800.00 i dont have a garage its classed as my first car i am 26 and live in london, also pay 160.00 as joint insurance on my oxford with myself and father to drive same poily only limited to 5000miles on that dad pays 90.00 for his 1725cc Hillman as i say all cars on the road and used daily. when i told my neigbour how much i pay he could not belive it, it costs more to insure his 10 year old V.W golf than all our 3 cars put together and he is over 30. One thing cant a mini go on a cherished car poilcy or something like that may be footman james might be able to help i rember hearing some time ago that basicly the next step down for a car between old car and classic ( no i aint starting the old chestnut of whats a classic) is something called a cherished poilcy dont no too much about this as i did not take much notice only owning cars that dare i say it are classed by the insurance companys as classics. I hope this may be a another road for u to go down. Good luck > I think it's true, if you've got a tame enough car. Morris Minor, Triumph > Herald or something. I'm sure there are, or have been, people in here who > insured whole fleets of old cars for 100-200 quid. With the classic > policies they don't even take your no claims. We're running 3 Triumphs on the same policy - 948cc Herald, 1147cc Herald and Triumph 2000 Mk1 - the latter is no slouch. Total cost is ?150 give or take a few coppers, unlimited mileage, european cover, all the usual goodies. Last time I had a single car on the policy it was a Spitfire MkIV, cost was about ?80, no reason to believe it's changed drastically bearing in kind the cost of the current policy. Cheers, Bill. http://www.rarebits4classics.co.uk >> > I pay about 80 quid fully comp for the Triumph, so how come the same >> > company has just quoted me ?140 for a flipping Mini? That sounds >> > high for a normal policy for someone who's had a license 10 years, >> > let alone a 3k miles a year classic policy... >> Bwahahahahahahahahahahahahahahahahahahahahahahahahaha..... > This _has_ to be a wind-up. I don't know anyone who's managed to get > car insurance under ?100 / year. Well, apart from a few pensionners > who've been driving claim-free for 40-odd years, that is. I've got several 2cvs on a Footman James classic policy for a little over ?100 each. Mind you, my flamin' VeloSolex is near ?70, TPFT...! > You think ?140 is bad, try quoting for it on a standard policy. Reckon > on at least doubling it. 'zackly. > Even with full, protected NCB, I haven't yet managed to better ?400 / > year on my everyday car, or ?200 for a classic. Must be your area - I'm paying just over ?400 for group 15, fully comp, business use. 32, fullish NCB, 2xsp30. >Not looking for an insurance company, just wondered why on earth an 87 Mini >Mayfair 998cc is twice as much to insure as a 1975 Triumph 1500TC [quoted text clipped - 9 lines] >Suffice to say, if my other lot can't do a better deal, I think there's >going to be a Mini on Ebay soon... Not all companies will see the Mini as a classic. Shop around though, Firebond for example will put any car over 9 years old on a classic policy. SignatureRegards, Chris (Please take out my car to reply by email) ----1961 Austin A40 Farina----1966 Triumph Herald Estate--- --1969 Riley Elf--1965 Wolseley 16/60--1965 Hillman Minx--- -------1972 Mini Clubman estate------1957 Standard 8------- ---- Website at www.b0lus.com ---- ********** Please don't email in HTML! ********** > >Suffice to say, if my other lot can't do a better deal, I think there's > >going to be a Mini on Ebay soon... > > > Not all companies will see the Mini as a classic. Shop around though, > Firebond for example will put any car over 9 years old on a classic > policy. The quote for 140 odd was a classic policy :( Still, it's covered now, at no extra cost for changing over, on a policy I had an Escort on that I no longer own. Sorted till September, by which time I should have a Triumph running reliably enough to either give it back to the PO (I said I'd give them first refusal as they gave me the car for nothing) or stick it on Ebay and get enough cash to sort a Triumph out :) Hi anyone recommend a Competively Priced insurer for Modern Classic Insurance?, At the age of 39 after having a Licence for 22 Years i find i get quotes of ?400+ TPO for a 1988 1 Litre Nova ! all because i haven't had insurance in my name for 5 years with recent use being a Company Van. I have tried a few "Classic" insurers only to find they either charge as much as a "Normal" policy or they don't allow you to use the vehicle for everyday use and don't allow overnight parking on the road (i live in a Flat) Anyone advise TIA Craig > Hi anyone recommend a Competively Priced insurer for Modern Classic > Insurance?, At the age of 39 after having a Licence for 22 Years i find i > get quotes of £400+ TPO for a 1988 1 Litre Nova ! A Nova is hardly a 'modern classic', though. They're _very_ heavily weighted due to the number of boy-racers crashing them. Try Carole Nash for insurance on something that's a real 'modern classic' like a MkII Golf GTI, and you may well be pleasantly surprised. SignatureSteve H 'You're not a real petrolhead unless you've owned an Alfa Romeo' http://www.italiancar.co.uk - Honda VFR800 - MZ ETZ300 VW Golf GL Cabrio - Alfa 75 TS - Nissan Primera 2.0SLXi - COSOC KOTL BoTAFOT #87 - BoTAFOF #18 - MRO # - UKRMSBC #7 - Apostle #2 - YTC # Sorry guys was just giving the quotes for a Nova as an example of the Prices quoted for Standard policies with run of the mill insurers , my point was even for a modern classic like a Golf GTI i found some Classic insurers quoting hefty premiums and putting restrictions on like "Must have other car with standard policy" or "car must be garaged" TIA Craig > Sorry guys was just giving the quotes for a Nova as an example of the Prices > quoted for Standard policies with run of the mill insurers , my point was [quoted text clipped - 8 lines] > http://www.newsfeeds.com - The #1 Newsgroup Service in the World! > -----== Over 100,000 Newsgroups - 19 Different Servers! =----- Try going through insurance firms as opposed to brokers. Axa were very understanding about my gap of 5 years on a classic policy when returning to a normal one. Just asked me to get a letter from the company detailing my clean record (they didn't even ask to see it - just for me to keep it with my insurance documents), and hey presto, 5 years no claims ! > Hi anyone recommend a Competively Priced insurer for Modern Classic > Insurance?, At the age of 39 after having a Licence for 22 Years i find i [quoted text clipped - 4 lines] > use and don't allow overnight parking on the road (i live in a Flat) Anyone > advise Try Liverpool Victoria as a mainstream insurer, if the classic guys don't want to know. SignatureCarl Robson (The poster formerly known as Skodapilot) http://www.bouncing-czechs.com |
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