Morris Minor Owners Club

It is perfectly permissible for any supplier to charge your credit card or bank account (via direct debit) with annual payments IF that's what you signed originally. Many insurers will send you a form that can be used to authorise both single and ongoing payments, it's up to you to sign or cross out the relevant text. Moral: Check what you signed.

On checking my paperwork from adrian flux it would seem it's hiden in the small print on terms of business. Aparently for my conveniance they will charge my cedit card next year with the number provided this year, which is whats happened. I don't recall signing anything other than the agreed value form but seems we should all read the small print.

On reading the small print I also found they charge £25 renwal cost!! they really know how to take the biscuit don't they. A good company, and reasonable price but won't be getting recomended by me again, or my business next year.

CXW, just checked with brother. Definatley Footman James and started policy on a provisional in his name. Very odd why they won't insure you. His suggestion was get a mini as they must make an exception for those, but don't suppose that would go down to well on here

I can personally recommend footman james ... I have had the misfortune to claim with FJ, and they paid out more than the previously agreed value for my sadly trashed minor (patch on patch underside completely destroyed by a collision with a blooming VW golf driven by a *&^%*&^%, live & learn eh?)

They also only hiked my premium by £30 after I gained 3pts while doing 36mph in a 30 zone (buying bits to fix the trashed car before i realised it was in truth a total loss, driving a hire-van which acellerated faster than I am used to) .... and then subsequenty dropped it again the next year, and again now to £98/year for unlimited mileage, european recovery, windscreen cover, the whole bit ... FJ rock ... plus they answer their own phones and not leave it to a bally computer (for a computer programmer I'm a right luddite - hence why I have a minor for my main car)

great to hear recommendations based on how the company deals with claims - thanks, alainmoran

Update on conflicting information about Footman James insuring/not insuring young drivers: basically, it turns out that I'm no longer "young" at 27

Footman James has a young drivers' scheme for new drivers up to the age of 25; after that there's no scheme for new drivers, so they can't provide cover.

However, AON (who will insure new drivers older than 25) is taking over Footman James, so it won't be an issue anymore according to the guy I spoke to at the Classic Car Show.

not sure i like the idea of footman james being taken over by aon