Morris Minor Owners Club

just called up to insure with the new / current MMOC partner Peter James and turns out they have a blanket no-insurance policy for cars parked in the street in London. They also mentioned that the same applies to multiple other cities (Manchester, Birmingham the two other mentioned).

Not great that the main partner simply wont quote for cars whilst Footman James do...

I did not know that. Technically I live in London although I archaically call it Surrey. My Morris is never parked in the street (it is punitively expensive to have a second resident's parking permit and my modern car has a permit). My Morris lives in the garage and I am insured with the club insurer Peter James. As I own a convertible, I have never thought the car suitable to live outside wherever it might be.

Stephen

dudload wrote: ↑Fri Aug 07, 2026 10:03 am just called up to insure with the new / current MMOC partner Peter James and turns out they have a blanket no-insurance policy for cars parked in the street in London. They also mentioned that the same applies to multiple other cities (Manchester, Birmingham the two other mentioned).

Not great that the main partner simply wont quote for cars whilst Footman James do...

What does that tell us about the state of London and those other cities?

Like with all Insurance, there has to be a balance between coverage and premiums.

Many, dare I say all, Insurance Underwriters and the Brokers that provide the insurance from those Underwriters, make a business choice as to their client base.
I would hazard a guess that the data on Minor Ownership, or perhaps MMOC Membership, indicated that the excluding street parking in postcodes within major cities had a major influence on the ability to provide a highly competitive service.
Essentially the 80/20 rule, aka the Pareto Principle.

I've just obtained a quote, and subsequently taken out a policy, with Peter James under the MMOC Club Scheme.

In my 9 years of Minor Ownership I have been with 3 other brokers, the latest renewal for a policy with 3,000 mile limit came in at £152.
My new policy with PJ, with no mileage limit, was just £120.
That's a 21% saving.
Every time I've changed Insurance Broker, it's been due to a lower price.

I have just moved my traveller insurance to the club scheme,
saved me £40 + and better terms, still waiting for paperwork,

tried the house insurance, similar to my renewal but £90 more than moneysupermarket

I just thought I'd add this info here.
The phone number for Breakdown assistance isn't by any means prominent in the Peter James documentation, for example it doesn't feature at all on the pages where the Breakdown Cover is explained in detail.

It, along with the numbers for Accident and Windscreen Claims, is actually in a small box on the Statement of Insurance pages, page 7 of the 'Policy Documents' pdf.

I wouldn’t say it is a small box. The breakdown number is in a box with the other important numbers on the statement of insurance. I had reason to use the breakdown service just a couple of weeks ago. It was very efficient and it was the AA that turned up. I agree that there is a great dull of guff with the insurance documents but that is common with so many things these days. The important stuff is all on the statement of insurance.

Stephen

svenedin wrote: ↑Wed Sep 02, 2026 1:29 pm I wouldn’t say it is a small box. The breakdown number is in a box with the other important numbers on the statement of insurance. I had reason to use the breakdown service just a couple of weeks ago. It was very efficient and it was the AA that turned up. I agree that there is a great dull of guff with the insurance documents but that is common with so many things these days. The important stuff is all on the statement of insurance.

Stephen

Well I guess 'small' is relative, not prominent to be sure, about 1/5th of the page.
Good to know your response was from a main supplier of such services.
The PJ policy doesn't even say who the breakdown cover is with, just that it is breakdown Insurance underwritten by ARAG Legal Expenses Insurance Company Ltd.
Which is the same underwriter as the cover I have on out modern cars, from Start Rescue...
So many rabbit warrens to disappear down when you start looking into such things
I just like to have the key details readily available in the car with me.

This thread has made me check I'd put the numbers into my phone.
I had.
For the record:
0800 121 6297 (UK)
++44 117 934 0482 (Europe)

I have a photo of the certificate and list of numbers on my phone,

myoldjalopy wrote: ↑Fri Aug 07, 2026 10:52 am

dudload wrote: ↑Fri Aug 07, 2026 10:03 am just called up to insure with the new / current MMOC partner Peter James and turns out they have a blanket no-insurance policy for cars parked in the street in London. They also mentioned that the same applies to multiple other cities (Manchester, Birmingham the two other mentioned).

Not great that the main partner simply wont quote for cars whilst Footman James do...

What does that tell us about the state of London and those other cities?

No idea - smacks more of the broker not being fit for purpose though. There's a whole load of classics on my street (in zone 1) and not one has been broken into in 20 years.

Seems like the broker is just lazily excluding our major cities just because they're a little more risky.