Flat4x4-again

iTrader: (1)

I've used the same (classic car specialist) company for a few years for my Impreza classic but they seem to be getting expensive. The car is hardly used these days (500-1000m a year).

Any recommendations from experience, for me to try ?

Vxr2010

A plan in thatcham , not only well priced , they do limited mileage policies , and when someone decided they were doing a pit manoeuvre on me , they were really good and easy to deal with , i did get paid out in the end 👍

jaygsi

iTrader: (46)

Me and my mate been with Keith Michaels, my quote goes down most years, although last few stayed the same, so just stuck with them.

DAN@ADRIAN FLUX

Hi.
Please feel free to give us a try for insurance if you wish. If you wanted to PM me some contact details I'd be happy to arrange for one of my quotes team to give you a call back if you like.
Regards,
Dan.

WRXrowdy

iTrader: (2)

Not classic insurance but me and the misses both use sainsburys car insurance.
We used to insure our mk1 golf with Lancaster which was about £150 a year but haven’t insured it for a while, bare in mind classic insurance doesn’t build up a no claims bonus.

My policy on the Impreza and the wife’s on her cooper s convertible are both £200 a year on each car.

Flat4x4-again

iTrader: (1)

Did finish up with Adrian Flux (again), but had to go through the 'palaver' of getting a quote from someone else before the renewal magically became 20% better.

I know its the typical insurance industry approach, but it does smack of extracting the Michael. Surely Flux are better than this...

WRXrowdy

iTrader: (2)

Not much makes sense when it comes to insurance companies imo.

Sons 1st car Mazda 2 sport, £1900 a year to insure. He runs a quote on our cooper s convertible, £1600 a year!

Bought him a 125cc motorbike last year before he passed his car test. £500 a year to insure.
Try adding myself as named rider, clean license and bike license held for 22 years, I’ve never claimed, insurance quote rises to £800.
I insure my 800cc triumph for £80 a year ffs.

NOSSY_89

Years ago was speaking to insurance and the guy I was speaking to told me something which might explain why certain cheap cars are actually more expensive to insure. So imagine you have a low insurance first time driver car. The base insurance might be cheap but when they factor in things like driver's age etc they also factor in how many claims have been made against the make and model of car. From what I have read new drivers are more like to crash/have a claim in their first year of driving and if majority are driving first time driver cars then that bumps up the insurance. That would also explain the 125cc being more expensive. You might also find that a higher trim level with a larger engine might actually be cheaper to insure because it has had less claims against it.

WRXrowdy

iTrader: (2)

yea I know car make and model makes a big difference, a fiesta is more to insure than the Mazda because more youngsters buy fiestas than Mazdas, even though they are same car basically. Even engine size makes a difference, my eldest 1.4 fiesta cheaper to insure than a 1.25 because more young drivers choose smaller engine for insurance purposes.

But nothing will explain to me why putting my name on the insurance for a 125 bike makes it £300 more expensive than just my son on the insurance policy.

edit: it has always been the same story. Back in the early 90’s my first car was a 1.6 vw jetta. A car make and model that very few 1st time drivers would choose and certainly less common than a golf. £720 a year to insure.
12 months later and I buy my first performance car, a Sierra 2.8 v6 xr4x4. Few of my friends dads had one and said I’d never get insurance.
insured with same company £480 a year, for a fast car that was a bit of a thief magnet.
And it did get stolen, and set on fire.

NOSSY_89

Same reason mate, 125cc you only need a cbt in way of a license and bikes like that are really easy to steal. Unless you're thinking of car insurance where sometimes adding an adult brings the price down. Or at least used to. Not sure how the whole bike insurance works but lets be honest it was never a fair game to begin with.

Flat4x4-again

iTrader: (1)

Thinking back, the only real 'car regret' I've got was down to insurance:-

I traded in my immaculate Mazda 323 4wd Turbo Lux for a Citroen ZX 1.4 Advantage because of the insurance deal it came with, earning me 50% No Claims Bonus in one year.

Worth it at the time but the Mazda was my first performance 4x4 which led onto and then back to Subaru turbos. That Mazda was hilarious though with the badge taken off the back.

jaygsi

iTrader: (46)

Lad I know paid £5000 on a Yaris first year insurance when 17. Crazy, my cousin paid £3500 for his year aswell.

I use to insurance with parents until I was about 20 I think.

WRXrowdy

iTrader: (2)

that is mental.
my eldest I insured his first car on my policy and the renewal for the 2nd year was either the same or had gone up I can’t remember now, but ran another quote as a new policy in his name and it was cheaper for him to insure it than me! And that was with the same insurance company. And I’ve been driving for nearly 30 years clean license and not claimed for 20 years.

My youngest also ran a quote on his car and changed the details from car kept on the driveway to car kept on the street and that put the price down. Can’t work out the mentality of insurance companies.

mirjanamia

Many companies refuse to work with classic cars. I am not sure why, but maybe they consider them to be more expensive to pay for. If a car like this gets into an accident, it would cost much more to repair than a regular one.
I always choose small local insurance companies to make a good deal because they are more willing to negotiate this issue and are ready to offer better options. Bigger companies prefer not to bother with cases like this one. That’s why companies like Youi look much better to me. I don’t make insurance deals often, but I usually work with them.

jaygsi

iTrader: (46)

Not found that in the UK.

NOSSY_89

I'm sure I've seen post on here and other forums where guys have had classic insurance and then on renewal they have been told to go else where. Your with Keith Michaels are you, same as me. They have been really good.

WRXrowdy

iTrader: (2)

Not hard to see why. As cars get older parts become obsolete, and a ball ache to replace.
Cost is a factor. Spoke to a friend of mine at the weekend. He said he was following an old boy in an old open top classic car, and he was all over the road. He clattered the side of an oncoming Land Rover. My friend stopped and said to the LR driver that it was the old boys fault and his driving had been poor before the accident. His details were passed on to the insurance company as a witness.

The old boys classic car had to be returned to Italy to be repaired. The value of the car was £3 million.

marcomurabia

If you wanted to PM me some contact details I'd be happy to arrange for one of my quotes team to give you a call back if you like.
Regards,