Morris Minor Owners Club

Just got off the phone to Footman James as my insurance is due for renewal next month enquiring how much it would be, aparently they have to send me a letter, can't tell me on the phone as it hasn't been calculated yet .

Wanting to phone other insurance companies to make sure I'm getting the best deal I asked her to comfirm how many years of no claims I now have. I was told as it is a classic car policy I do not earn any no claims bonus

Has anyone else ever heard of that?

Yes, it is true that classic policies do not accrue NCD. I don't see why they can't give you a renewal price though unless it is over 31 days away as this is the time quotes are usually valid for....

PSL184 wrote:Yes, it is true that classic policies do not accrue NCD.

If that's the case how does it go down? I know age is a factor but do they consider the fact you have not claimed when they calculate the renewal cost?

PSL184 wrote:I don't see why they can't give you a renewal price though unless it is over 31 days away as this is the time quotes are usually valid for....

It seems I'm more organised than I usually am and the renew date is over 31 days away

I guess for you "younguns" the policy premium is age dependant. As I am an "oldun" my classic policy is the same year on year..... The good news is that they can't put your premiums up if you do claim.... allegedly

I just don't fancy paying over a grand for insurance again!!!

In theory it should be cheaper as you are a year older..... I noticed changes in premium at 21 and 25 but it was not until I was 30 that it was a significant reduction.....

Well I'm not 21 for another year

Heres a hint for you.....

https://www.hertsinsurance.com/

Although they specialise in VWs they are happy to arrange policies for all types of classics - for me no-one could touch them on monty last year. Best thing is that they can arrange for NCB to be accrued so make sure you give them a buzz

Just phoned up HIC but they couldn't beat the renewal from FJ.

Limited to 3000 miles: £525.45

Unlimited Miles: £695.55

So will more than likely go unlimited

Which beats the £1271 for insurance last year

Insurance does come down once you have some "driving history" for an insurer to go on.

I would get a quote from Brit Insurance. They used to trade under the name of Wren and used to offer very low agreed value insurance for young Morris Minor drivers. I used them from the age of 17 to 25 and it was around the £350 mark at first, and then went down each year. You do have to get a valuation from an approved Morris Minor specialist though. They send a list of the nearest ones to you that they accept. The valuation itself usually costs around £20.

MColes wrote:Well I'm not 21 for another year

I'm just 21, with no claims, and I've been driving less than a year, and I pay 700 fully comp/uk and eu breakdown cover/key cover/windscreen cover with Aviva (they do it through Adrian Flux)

Try them. x