Oh dear. My not-so-hot insurance quotes!

[FDDreamer]

Well i finally plucked up the courage to dedicate a morning to calling these insurance chaps, and it\'s not so good! In fact, i\'ve come to the conclusion that it\'s simply impossible to insure one now, seems i\'ll have to wait until i\'m 25!

Anyway, i tried a total of 7 different companies, including Adrian Flux, Admiral, Direct Line, Hyperformance, Performance Direct, Liverpool Victoria and Coversure.

Best deal i got was £3788 with Adrian Flux, but i would have to have been driving for a year (hence the problems).

To be honest, i was pretty much expecting this, although i know that there are younger drivers than me insured on FDs, most have been driving for 5 years +.

I was told by 3-4 companies they wouldn\'t touch anyone under 25, another said 30 (!), 1 (think it was tescos) said i needed to know the number plate, and the best conversation was with a lady who was trying to tell me the FD is a 2.4 hatchback.

I was politely trying to explain why, even though it was a 1.3, it usually is rated as \'equivalent\' to a 2.6 (and how does that work exactly?) and asked the lady to explain back why she had a figure of 2.4, and claimed the most beautiful coupe in the world is a hatch!! Needless to say, the answer was to the effect of \'I don\'t think we will be able to help you\'.

So, plan now is to keep shed-driving for a few months, maybe wait 6 or so before ordering an FD from Miguel, and by that time i\'ll be 25, 1 years no claims etc...will still be a lot, but should at least be workable.

Gutted to say the least, but on the bright side the budget i have set aside for a peach of an FD now may get me something even nicer if i wait awhile. Always a bright side.

[Gman]

Have you got another car? if you get one that is 10 years old then you can insure it as a 2nd car classic with limited miles, i\'m 23 and was paying £800.

[scooby_si]

& classic car insurance dont use yer NCB http://www.smileycentral.com/?partner=ZSzeb008\' target=\'_blank\'>http://smileys.smileycentral.com/cat/7/7_15_4.gif\' border=0> so you can still use that on shed or wotever....
Si

[FDDreamer]

Yeah, i do have a shed just now, and was planning on keeping it as driving the FD to work and back etc would be a waste and i\'d be so paranoid leaving it everywhere!

Was thinking between 4 and 6k miles per year would be about right.

I heard that you needed to be 25 though, with the car garaged? Is that right? If not, who should i be calling? I was thinking getting another 6 mths on the road might be a sensible option anyway...but the thought of affordable FD insurance might be too much to resist!

Thanks for the advice chaps!

[Shark]

try Aon.

There\'s a number and contact name in the members section and having dealt with the guy I can honestly say that if it can be done - he\'ll sort you out.

They came in over £500 better than the cheapest other quote I could find and I must\'ve called about 20 or so companies.

Also, he\'s the only person in car insurance I\'ve ever spoken to who actually tried to help me by asking questions to come up with the options.

G

[scooby_si]

AON do require arage & 25+ i believe not sure if that\'s the case with all classic policies if you had a 10year old+ car?
Si

[FDDreamer]

Cheers G. Sounds good, most of the time you feel like these people are thinking they\'re doing you a favour by taking your money! Sounds like a breath of fresh air to hear of a company trying to help you get set up!

I know i\'m asking a lot as i\'ve only been driving for such a short period of time, and i realised it would cost an arm and a leg...we\'ll see. Thanks for the help though, might give \'em a bell when i finish work tonight, if they\'re still open!

[Shark]

think you need to catch them daytime bud.

If it helps I use the car every day, 3yrs no claims, 28 yrs old, but no track record with a performance car.

Do about 10k miles p.a. in a \'96 RX

I\'m on their Classic Collectors Everyday Car Policy.
First I heard of the: car must be 10 yrs old thing, was on this forum.  Aon just said this was the best one for me.

Only criticism I would make is that in event of a write off, I\'d have to whip out any goodies I had in the car sharpish, as I don;t get to take ownership in the event of write off.  S\'pose I could come to a deal with whoever they pass it on to tho.

Good luck bud.
Hope you can sort it out.  just remember you\'ll see bigger falls in premium each year than the rest of us!!!

[Gerry M]

Originally posted by FDDreamer


Best deal i got was £3788 with Adrian Flux, but i would have to have been driving for a year (hence the problems).

 

I had the same problem due to a misfortune & only ending up with a yrs no claims, I went for a traders policy which worked out about £2800, but I\'ve got 7 cars at the mo so it made more sense for me

[FDDreamer]

Well after much deliberating, i\'ve decided to put the FD plans on hold for a few months. Think it probably makes sense, i really should get more driving under my belt before getting something like that.

Also, i guess the budget i have set aside for a car and insurance will go further next year as the car\'s should be slightly less (i hope) and the insurance should be much more manageable! Pretty gutting as i\'ve been looking forward to one for so long, and after meeting you guys was totally convinced it was the right thing to do.

But, although i would pay £4k for insurance as i know i\'d enjoy every single second of having the car of my dreams, it probably makes more sense to hold off until i am more experienced. Maybe a little naive to think i would be able to drive a light and powerful RWD turbo\'d car fine from the get-go, especially as i\'ve heard many stories of drivers far more experienced than me having problems.

I\'m planning to try and learn as much as i can about the cars, their engines and so on, as well as taking lots of time driving RWD cars etc before then, think i might just set some kind of record for biggest number of posts on a car forum without actually owning the said car!! :p

Who knows, in a years time i might be able to pick up a medium-milage Spirit R for £20k or so!

Once again though, thanks to everyone for their help and advice! Sure it\'ll still be a bit of a mare even when i AM 25, but at least i\'ve picked up some excellent pointers!

Cheers

[Shark]

Sorry to hear you\'ve decided to hold off, but I admire your patience and willpower!

Hope you\'ll stay on the boards as your knowledge and recognition of the variants and kits is notable and your comments are of interest to me at least.

Keep your eye on import & SVA rules bud.  I would hate for something to change and scupper your plans.  At least if you\'re on the lookout for such things, if legislation looks like it\'ll change for the worseyou could always buy, import, SVA and store/work on her till you\'re ready to drive the motor.

[FDDreamer]

Hey thanks, that\'s kinda nice to hear! To be honest i think it\'s just that i have too much time on my hands at work! I\'ll definitely stick around, the only reason i know anything at all is because i\'ve picked things up from the people here, just a learning experience for me now, hope to pick up lots more info in the next few months, especially with regards the engine etc, as i can imagine me having to do a lot of work personally!

Very good point about the SVA etc, i\'ll have to keep checking about. As you say, it\'s something that would have to be announced long before implementation, so i could make a purchase, and keep it until it became reasonable to insure. Or else buy one already here that complies with the rules®ulations etc.

Out of interest, i just had a quick look at elephant for a UK supra (next best car imho to the FD), it came out as £1600 fully comp, £250 excess. That was for the fully specced UK model (325bhp VVTi jobbie) with 0 NCD! Couldn\'t believe it, considering the prices and stipulations about RX insurance! Still, it\'s just made me want one more!

Anyway, now it seems i\'m faced with the decision of plan

a) Driving sheds for the next year or so, or

b) getting a supra, then selling up for FD next year. Only thing is they are expensive to buy, and would cost a lot money to run for the year, meaning the budget for rex would be depleted...but a whole lot of fun and a great intro for me. Hmmmmmmm. :confused:

[Shark]

you gettin quotes on import or UK FD?
the word import seems to scare a lot of em.

Aon are worth a shot on limited mileage if the 25 thing ain\'t a problem for them.  You could get a shed and keep a low mileage policy on the rex for weekends.

[Brad]

Have you tried Elephant.co.uk for FD insurance?

I\'m 23 with zero NCB but driving 5 years, car is 94\' (UK model) with the value set at £7500 and only weekend use (mileage = 4.5k a year).

My premium is £1325 fully comp, I originaly got the quote from the website and then rang up to confirm it, the guy I spoke to on the phone was brilliant and was actually giving me pointers as how to get the quote even lower.

[Shark]

that reminds me.
elephant are bloody handy for redoing your quote repeatedly.  Depending on what you do for a living you may have a number of possibly occupations to choose from and these do make a difference to the premium.

I must\'ve done about 10 quotes on Elephant only changing this and then using that occupation when calling round the others for quotes!:cool