have any of you come across the new rules regarding insuring under 25's??
As a member of the club (can't log in & use the members area as I can't find my membership number!) I was expecting to get a great deal as usual when I insured my moggie through Footman James.....
I just called FJ to reinsure the now nearly pristine car so I can get it to the MOT but they are now refusing to insure my son as it was him driving when some idiot went up the back of him in August! He had another accident in June 2009 when he hit a deer & now I cannot insure him through FJ & RSA
Does anyone have any ideas as to where I can get the car insured at a reasonable rate for a 23 yr old??
Have FJ said that they won't insure your son because of his driving history or because FSA won't insure under 25's?(it's not too clear from your post).
At the branch liaison meeting at the end of September Dave Youngs (FJ) said that RSA wanted to withdraw the provision of insurance for drivers under 25 and this was an ongoing fight but FJ had no plans to withdraw from the young drivers scheme. Dave visits this forum (user name Dave@FJ) so it might be worth you sending him a pm to see if he can help.
LouiseM wrote:Have FJ said that they won't insure your son because of his driving history or because FSA won't insure under 25's?(it's not too clear from your post).
At the branch liaison meeting at the end of September Dave Youngs (FJ) said that RSA wanted to withdraw the provision of insurance for drivers under 25 and this was an ongoing fight but FJ had no plans to withdraw from the young drivers scheme. Dave visits this forum (user name Dave@FJ) so it might be worth you sending him a pm to see if he can help.
Apologies:-) they won't insure due to the accidents! one with a deer in June 2009 - deemed own fault & one not at fault in aug this yr, when someone went up the back of him.
FJ said RSA will not give a quote due to new rules for U25's, whichever they will not/cannot insure him through the club policy!
I have has a quote through Money Supermarket though for about £350 which seems ridiculous to me....I feel that if RSA/FJ refuse to insure U25's or give us problems that we should stop using them as they do not offer us the best deal......
Problem is very few other insurers will insure a classic car for drivers under 25 so you might have a problem in finding an alternative insurer. Hopefully someone on here will be able to recommend someone. Getting online quotes isn't always the best way when looking for insurance which is a bit 'out of the ordinary' so it might be a case of having to ring round.
Footman James won't insure me. I am here legally, gonna be here for 3 more years, but since I am not a British citizen they won't underwrite. One agent told me they are worried I would sue them in US court.
Of course, I see just as many ambulance chasing commercials here as I did in the US. If I could sue (which I am sure I cannot due to locality rules in the US) the exchange rate is hugely in their favor. But I digress...
Diamond Insurance talked to me at the classic car show last weekend and seem to have a decent policy lined up for me now.
Specialist car insurance In brentwood , I paid £89 including roadside recovery , and when I snapped my drive shaft , I was picked up within an hour and apparently I could of been taken anywhere in the uk .
My friend had a 1000 hp chevy nova £150,
paula wrote:have any of you come across the new rules regarding insuring under 25's??
As a member of the club (can't log in & use the members area as I can't find my membership number!) I was expecting to get a great deal as usual when I insured my moggie through Footman James.....
I just called FJ to reinsure the now nearly pristine car so I can get it to the MOT but they are now refusing to insure my son as it was him driving when some idiot went up the back of him in August! He had another accident in June 2009 when he hit a deer & now I cannot insure him through FJ & RSA
Does anyone have any ideas as to where I can get the car insured at a reasonable rate for a 23 yr old??
Paula
Thanks everyone for the various messages and texts, have just got back on so first opportunity to post.
I look after the MMOC scheme at FJ so will be very happy to look into this for you
Paula, can you PM me your broker reference or surname and postcode. Unless RSA have changed their underwriting criteria (which is entirely possible) i'm pretty sure I can help out here. If you'd rather email me my addy is david.youngs(at)footmanjames(dot)co(dot)uk
Please send me a contact number and i'll get onto this tomorrow for you
LouiseM wrote:Have FJ said that they won't insure your son because of his driving history or because FSA won't insure under 25's?(it's not too clear from your post).
At the branch liaison meeting at the end of September Dave Youngs (FJ) said that RSA wanted to withdraw the provision of insurance for drivers under 25 and this was an ongoing fight but FJ had no plans to withdraw from the young drivers scheme. Dave visits this forum (user name Dave@FJ) so it might be worth you sending him a pm to see if he can help.
....I feel that if RSA/FJ refuse to insure U25's or give us problems that we should stop using them as they do not offer us the best deal......[/quote]
Now i've sat and finished my dinner i'll add to the earlier post - FJ and RSA ARE committed to the MMOC and WILL continue to insure under 25's. Since withdrawing the under 25's scheme for 'other' clubs loss ratios have improved substantially and the threat of withdrawing the MMOC young driver scheme are no longer on the table. Mostly this is thanks to the sensible chaps and chapesses that drive Minors so give yourselves a pat on the back!
We are the ONLY specialist brokers, as far as I know, that will entertain insuring under 25's, we do this by managing risk and looking at more than just the drivers age. Driving history is arguably more important and with a fault claim and a non-fault claim in less than 4 years is not a positive.
As said....please feel free to contact me directly and i'll look at this for you.
Dave@FJ wrote: Since withdrawing the under 25's scheme for 'other' clubs loss ratios have improved substantially and the threat of withdrawing the MMOC young driver scheme are no longer on the table.
However RSA were happy to insure after the accident in 2009 which was 'own' fault (a deer!) but when we are the innocent party in an accident (someone hit us up the back) I feel VERY aggrieved that I cannot get a quote from FJ & RSA! I feel that James' age is irrelevant in both the accidents.......
Why is it that I am being penalised for someone hitting my car? It's already cost me more than the cost of the insurance payout, so I'm being hit both ways:-((((
However RSA were happy to insure after the accident in 2009 which was 'own' fault (a deer!) but when we are the innocent party in an accident (someone hit us up the back) I feel VERY aggrieved that I cannot get a quote from FJ & RSA! I feel that James' age is irrelevant in both the accidents.......
Why is it that I am being penalised for someone hitting my car? It's already cost me more than the cost of the insurance payout, so I'm being hit both ways:-((((
Paula
It's a strange one! Underwriting is all based on statistics and probablilities. It's a proven fact that someone that has been involved in a non-fault claim is x times more likely to claim again. It kind of makes sense as every time I go out in my Minor I find that other drivers have an absolute inability to judge my speed etc (they assume because it's old it will be going slow) and I end up having to take evasive action!
As said, send me your details and i'll take a look. I've had 4 emails and 3 texts drawing my attention to this post so some of the members of the group evidently have faith in my ability to sort this for you!
My number is 0seven855 2threesix647 if you want to give me a call tomorrow
Dave@FJ wrote:It's a strange one! Underwriting is all based on statistics and probablilities. It's a proven fact that someone that has been involved in a non-fault claim is x times more likely to claim again. It kind of makes sense as every time I go out in my Minor I find that other drivers have an absolute inability to judge my speed etc (they assume because it's old it will be going slow) and I end up having to take evasive action!
That might suggest that ALL classic car drivers should be penalised........
have emailed you last night....with all the details I have.
To qualify the latest accident, it was at a roundabout........James was stationary!
I feel that FJ & MMOC should fight to get the ins companies to stop being SO unreasonable - although David says due to having a no fault claim James is, according to RSA, statistically more likely to have another claim!!! he also says that FJ & MMOC should not fight all battles, but should choose them carefully.....I feel this is one that they should fight, I genuinely feel that it is unreasonable not to be able to get a quote in these circumstances!
So be warned any of you that have 2 accidents in the last 5 years (not 3yrs any more, if it was 3 we'd be clear as the first accident was nearly 3 1/2 yrs ago) whether or not you are at fault you will in all probability not get insurance through the club scheme......a sad state of affairs & makes me wonder if it's worth being a member of the club as a major part of being a member has been to benefit from the insurance!
For those who require insurance in these circumstances it's worth looking to the mainstream insurers as Diamond amongst 15 others are willing to carry the risk, albeit at a slightly higher rate.
43 years old, 5-6 years no claims bonus, last year Lancaster insured me fully comp for £110.Got quote for this year, from Lancaster, £900+.Apparantly if you're unemployed you considered a higher risk.Got insurance elsewhere at £260, still a big jump with a further years no claims but nothing like the £900+ that Lancaster wanted.Yes i feel persecuted, particularly as in 24 years of holding a licence there's only been one claim when some one went up the rear of my one owner Fiesta that wrote it off.Im in the process of being priced off the road.
