insurance

Post by **tractorchap** » Thu Apr 30, 2009 8:37 pm

i am a 17 yr old lad that is very interest in vintage machinery and cars i have a collect or vintage engines tractors etc but i now have now been driving for 4 months and feel that i would prefer to have a morris mirnor but i am not sure on how much it would cost to insure i know because of my age it will be high but i have heard it is cheaper to have it through the club i just dont know can any one help me.
Thanks
George

Post by **bmcecosse** » Thu Apr 30, 2009 9:36 pm

Welcome to the Forum. Minor insurance is generally inexpensive - but of course being 17 doesn't help! I believe the Club insurance does have a scheme for young drivers - I'm sure someone who knows will be along in a minute.
Do you have a Minor - or are you just planning ahead?

Post by **MColes** » Thu Apr 30, 2009 9:48 pm

I'm 19 and my Minor was my first car, I passed my test last October. I'm fully comp and insured under my own name.

I'm with Footman James and it cost me £1200 for a year.

Well worth it though to drive a Minor if you ask me

Post by **callyspoy** » Thu Apr 30, 2009 10:00 pm

it does confuse me sometimes with insurance! i just got a re quote for my insurance as a standard minor (803 engine), on third party for a 23 year old with 2 years no claims it went up by £20 to £355.
Having declared all of my mods(wheels, 2 litre fiat, suspension, brakes etc), fully comp with a difference company £333!!
so its actually cheaper for me to make my car a death trap! that last bit is a joke obviously, but it still astounds me!

Post by **bmcecosse** » Thu Apr 30, 2009 10:17 pm

So - who is the 'different Company' ??

Post by **callyspoy** » Thu Apr 30, 2009 11:23 pm

well, i don't know yet! i got it through "classic line" who i saw are the people taht work with the NSRA insurance(which plastic orange recommended!!) so i figured they would be okay...and there it was, beautiful! only issue is they wouldn't insure me for commuting because of my job! bit of a pain, but as i only work 1.5/2 miles away, it may convince me to walk to work!

Post by **moggie-tom** » Fri May 01, 2009 8:59 am

Welcome to the forum. Good name, chap, The good old days when men were chaps and worked in sheds with pictures of Spitfires on the wall...

MColes wrote:I'm 19 and my Minor was my first car, I passed my test last October. I'm fully comp and insured under my own name.

I'm with Footman James and it cost me £1200 for a year.

Well worth it though to drive a Minor if you ask me

Thats a bit much, I'm 18 and not long passed my test. Footman James insured me for about £650 third party, fire and theft on a 1964 1098. I think they said fully comp would be about £980. You have to be a member of the MMOC so they know you are going to look after it.

It helps if you use specialst insurance as on compare the meerkat, sorry, market I was getting stupid quotes from 'normal' insurers.

Post by **alex_holden** » Fri May 01, 2009 9:20 am

moggie-tom wrote:Welcome to the forum. Good name, chap, The good old days when men were chaps and worked in sheds with pictures of Spitfires on the wall...

http://www.thechap.net/

Post by **bmcecosse** » Fri May 01, 2009 10:32 am

Cally - if you only work 2 miles from home - get a bike ! All those short runs wouldn't be doing your engine any good anyway!

Post by **Sidney'61** » Fri May 01, 2009 4:37 pm

Hi George, I'm 17 too and not long since passed my test, I'm insured with footman james, fully comp and under my own name on my 1275 modified minor for around £940.
Of course the price depends on where you live and where the car will be parked but it'll generally be a lot cheaper than with a modern car, and of course it's even cheaper if you join the owners club.
It's definitely worth getting a minor, it's cheap, easy to work on and fun to drive, also it stands out from all the corsas and saxos in the school carpark

Post by **hotrodder13** » Fri May 01, 2009 6:37 pm

im 17 and just passed my test and footman james gave me insurance for 937 quid fully comp. unlimited miles and breakdown cover but you do have to be a part of tyhe minor club to get it so cheap. its only 24 quid to join but it knocked a lot of my insurance.

Post by **rsawatson** » Fri May 01, 2009 9:27 pm

I'm 18 and have been driving for one year - with Footman James fully comp in my own name, unlimited mileage, cost me £702. A drastic change from the £1,100 I was paying when I had a Fiesta (and that was third party, fire and theft only!)

Post by **rayofleamington** » Sat May 02, 2009 5:18 pm

When I was a lad (in the olden days of the 80's) the club insurance had flat rates fgor young drivers but that stopped maybe a decade ago or longer.
The club insurance scheme was with AON but they were bought out this year by Footman James so by default the club insurance is with Footman James.
The club put in hard work year on year to ensure young drivers get a fair deal and this should now be maintained by FJ - there was some teeting trouble a few months ago but it sounds like this was resolved.

I had a Minor as my first car at 17 and have never regretted it. I've had 15 Minors so far but that's taken me 20 years!

Post by **hannahandflossie** » Sun May 03, 2009 4:09 pm

Hello there !

I have always insured my girl with RH Insurance - very well priced. My advice is to shop around as some insurers particularly like to insure minors - and some don't like to deal with drivers under 24/25 yrs for example.

I am 28 and was horrified to see my annual insurance premium this year go up from £65 to £78 lol

That's with unlimited mileage, breakdown (incl in europe), fully comp with me and my partner and can also be used for business if i like!

Happy days of motoring

Post by **tonym911** » Tue May 05, 2009 11:35 am

Agree RH are amazing

Post by **captain_70s** » Tue May 05, 2009 1:50 pm

What experiance have people had with online comparison sites?

Using Compare the Market I get quotes of around £1100 at the cheapest on my fictional full time license held with me being 17, car parked on drive and doing 10,000 miles a year.

(Also Compare the Market only does cars post 1970! I'd have a very late Minor!):roll:

I can't help feeling it is either very cheap or very expensive though!

Post by **tonicaek** » Tue May 05, 2009 2:10 pm

I'm yet to pass my driving test, but have had a gaggle about for some insurance quotes on my '68 mogbeast, and the cheapest I've come across is Kwik-fit, which, if I remember rightly, was something between £600-£700 TPF&T, 8k miles, driveway parked etcetc - a quote found on one of these comparison websites.

Tried Footman James, only to be told they couldn't give me a quote without holding a full license, which is fair enough I suppose.

Toni

Post by **Sidney'61** » Tue May 05, 2009 3:13 pm

tonicaek wrote:Tried Footman James, only to be told they couldn't give me a quote without holding a full license, which is fair enough I suppose.

They should still be able to give you a quote, my dad soted all my insurance out for me (in secret

) the day before my test so I could just phone them up and 'activate' it if I passed.

Post by **tonicaek** » Tue May 05, 2009 3:20 pm

I asked the guy on the phone if he could provide me with a quote assuming I'd passed, and he just informed me it wasn't possible.
Sorting out your insurance before the day of your test? Wish I were that confident!

Post by **Sidney'61** » Tue May 05, 2009 3:26 pm

tonicaek wrote:Sorting out your insurance before the day of your test? Wish I were that confident!

I didn't know about it 'till after I'd passed though...