Morris Minor Owners Club

Post by **gentman** » Sat Apr 11, 2009 4:19 pm

i am a newly passed driver (4monts ago) and i was going to have a morris minor but the insurance for me was stupid £550 tpft and £1000 fully comp and i had to pay it in full so i decided not to get a morris which is a shame as i was going to have the one my dad is fixing up but i just cannot afford the insurence so i decided to get a mk2 fiesta and go on my mums insurence which costs me £550 fully come protected no clames so i suppose i will have to w8 untill im like 21 and get one then anyways rant over

Post by **rayofleamington** » Sat Apr 11, 2009 7:16 pm

If you're a member of the owners club, young drivers should get good rates on the club insurance scheme.

Post by **bmcecosse** » Sat Apr 11, 2009 10:45 pm

" Going on Mum's Insurance " is not legal - unless Mum is the main driver - ie she must drive the car significantly more than you will! If anything goes wrong - and they discover Mum has a car of her own and rarely (if ever ) drives the Fester - the Insurance will be invalid, and charges my follow. The Police are clamping down on this - be very aware! As Ray says - there are some Classic insurers who will take on younger/less experienced drivers for the Minor. It's a pity you didn't ask about this on here - before going the illegal route.

Post by **kennatt** » Sun Apr 12, 2009 8:15 am

roy spot on only legal if you only drive the car now and again don';t do it, full of pitfalls for instance if you were stopped and had a defect on the vehicle like worn tyre not only do you get done but your mother as well since she is the owners(Has to be to insure it)and is done for permitting or aiding and abbetting the offence. plus if you do you will never build up a no claims bonus so at some stage in you life when you do go legal you will be back to this high premium again.

Post by **aupickup** » Sun Apr 12, 2009 8:45 am

all as above

Post by **rayofleamington** » Sun Apr 12, 2009 9:30 am

if you were stopped and had a defect on the vehicle like worn tyre not only do you get done but your mother as well since she is the owners

that's unfortunately true - When I was 17 a friend borrowed my motorbike without asking

He got pulled over and we both got done for the dodgy rear tyre (I had ordered a new one but it wasn't due for a few days).

Post by **Sidney'61** » Sun Apr 12, 2009 1:10 pm

Sadly insurance for a new driver is ridiculously high on any car, I've only just passed my test but I've found that the insurance on the minor is cheaper than on most modern cars, and that's fully comp with me as main driver.

Post by **Lilo** » Sun Apr 12, 2009 1:44 pm

Sidney,

I noticed you have a 1275cc in Emily. Are you insured on this one? If so how did you do it? I'm looking at buying a Morris Minor 1961 with a Marina engine but internet quotes are coming back at £9,999.99!!!!!!!!!!! In comparison Quotes for a standard none upgraded Moggy fully comp are coming in at £492.00.

Post by **Sidney'61** » Sun Apr 12, 2009 2:33 pm

Yes i'm just insured on Emily, 1275 engine and 5-speed ford gearbox. I'm with Footman James on the owner's club scheme and it costs about £960.

Sounds really expensive but for a 17 year old male fully comp as the main driver in a modified car it's a pretty good price

I spoke to a company last year, can't remember which one, but they refused to give me a quote on the modified car and then proceeded to quote me £1800 third party on the standard 948cc minor!

Post by **ASL642** » Sun Apr 12, 2009 6:18 pm

Lilo - join the Owner's Club, then ring FJ as Andy says as they do a "Young Driver's Policy", but this is only for the benefit of member of the Owner's Club.

Sun Apr 12, 2009 6:25 pm

when getting insurance tell them you are a member of the moggy owners club ( only if you are mind you as they may ask for your owners club number ) or tell them you will depending on the quote..

The reason i am saying this is a few years back my brother went to insure a scimitar SS1 1800Ti and was getting quotes around the 3 - 4K mark which was more than the car would have cost until he said he was a member of the owners club when it dropped to less than 400 quid.

Post by **gentman** » Sun Apr 12, 2009 8:47 pm

mum is main driver although she does have a morris in her name but uses it only at weekends/ occasionaly during the week and i do get to build up a no claims bonus and it is not illegal otherwise they wouldn't allow it and all i use it for is to drive to college and back also the name on the log book doesn't mean they are the legal owner of the car and on the flip side if anybody borrows someone elses car and only runs a morris that is surely illgeal

Post by **d_harris** » Sun Apr 12, 2009 9:04 pm

It is illegal if you are insured as a secondary driver but are the regular user of the car.

If you drive the car more frequently, or for more miles than your mother then that makes you the main driver. Regardless of how the car is used. In a lot of those cases the insurance cos are more than happy to take the cash but if you are driving when there is an incident they may well refuse to pay out on those grounds, also as its insurance fraud you, and your mum could find yourselves in court.

I'm not by any means having a go at you BTW, I just want to make sure you don't find yourself on the wrong side of the law. If your mum is the real main driver then you have nothing to worry about

I'm assuming that you are with one of the "we give named drivers ncb" lot you want to be careful as they will only give you NCB if you take out a policy in your name - if go with another company they wont give you any NCB.

Post by **captain_70s** » Sun Apr 12, 2009 9:23 pm

I know a few people who run cars in their mums name due to the fact insurance would be impossible to pay if they took it out.

From online sources I was getting quotes upwards of £1,500 for modern 1 litre cars third party, fire and theft, obviously these quotes were not exact but showed that there was almost no way of me being able to afford a car without a good job. (You have to remember I probably won't earn more than £4,000 a year tops!)
Any claiming made on a legit policy for a young driver would send their premium through the roof anyway.

And it is indeed illegal if the main driver uses the car less than the named driver, I guess though you would have to hope nothing happens that requires an insurance claim.
Otherwise the it is unlikely the company would pay out, or in a worse case situation you could be arrested for fraud!

Post by **bmcecosse** » Sun Apr 12, 2009 10:05 pm

If you drive the car to college and back every day - then YOU are the 'main driver' and the car MUST be insured in your name!!
Seriously - this Insurance Fraud is being clamped down on VERY VERY hard. Your car is NOT insured if you are driving it every day' - and Mum is only driving it now and again. If you are caught (and they pull over young drivers for the slightest thing!) you will be fined and probably lose your licence. Then try to get insurance!! You will be walking/cycling for a long long time !

Post by **wiglaf** » Sat Apr 25, 2009 9:15 am

It's worth asking for a quote with MMOC membership even before buying membership "I can't remember my number, I'll ring back". They won't sell you the policy without a membership number, but will quote you.

Then realising that £20 membership shaves £250 off the morris' insurance, I joined the MMOC PDQ!

And it cut my Admiral insurance on the Fiat Punto I'm about to get rid of because it shows I'm sedate, sensible and trustworthy etc. etc. BTW, anyone want a Punto?

Post by **stephenpolhill** » Sat Apr 25, 2009 1:52 pm

I am still on a provisional license and I am 17. My insurance with FJ on the club discount is £1020 which while sounds expensive is exactly half what it is for me on a Ford Ka. Apparently this will reduce to £800, £500 all the way to about £100 when I am 21. Sounds hopeful but still costing me a bomb now especially as I had to buy the car, and get it on the road - £2000 in all and £1000 for insurance

I am on my own insurance with my parents added on for both legal, and cost reasons - I will build up my own no claims instead of on my parents. Get your own insurance and it wil pay off in the future!
Steve

Post by **Sidney'61** » Sat Apr 25, 2009 3:22 pm

Steve,
I don't know how FJ do it as I never had provisional insurance with them but a lot of companies will put the price up after you pass your test as you will then be driving on your own without a more experienced person beside you, so be warned, although it will go down a lot with age it may well be increased slightly for the first year after you pass. I hope not though.

Post by **stephenpolhill** » Sat Apr 25, 2009 3:37 pm

Ah right. I will watch out for that. I vaguelly remember Mum asking if it will go up or down but I can't be sure. It is understandable why they do it but why would they let someone pass their test if they don't think they are safe on their own. Arguable.
Thanks for pointing it out though!
Steve

Post by **d_harris** » Sat Apr 25, 2009 4:50 pm

wiglaf wrote:BTW, anyone want a Punto?

Done, but you need to give me £300 to take it off your hands