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MichaelAndrews
Original Poster
17 posts
8 months
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I need insurance for an MG Midget 1978. I have a quote from quick fit insurance for £3100 but i have to get it down to atleast £2500 to make it possible. My parents are pressuring me to get a new car,"more sensible" but i have learnt in this car, I love driving it, and am desperate to keep it once i pass. Does anyone know how i can get it down this last bit? Any ideas?
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Pixelpeep
821 posts
11 months
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limited mileage? tracker? classic car insurance? park it in a garage at night? dont use it for commuting? have 3rd party only? put parents on insurance?
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Shaw Tarse
19,131 posts
72 months
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I don't think you can get classic insurance at your age?
Usual tips are adding a named driver or two (mum & dad to YOUR policy)
Try phoning brokers.
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nicanary
1,000 posts
15 months
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Join the MGOC - everyone does it, just for the insurance. The OC are used to it and don't mind.
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Aar0sc
279 posts
26 months
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£951 with Footman James for me as a 17 year old on limited mileage with my dad a named driver, last year.
Although... that was on a Triumph Spitfire 1500...!
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MichaelAndrews
Original Poster
17 posts
8 months
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Pixelpeep said: limited mileage? tracker? classic car insurance? park it in a garage at night? dont use it for commuting? have 3rd party only? put parents on insurance? I can't seem to get classic car insurance because of my age, i haven't tried putting tracker/alarm on so i might do that (doubt it will make £600 difference though). I've done everthing else though
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MichaelAndrews
Original Poster
17 posts
8 months
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nicanary said: Join the MGOC - everyone does it, just for the insurance. The OC are used to it and don't mind. Lancaster Insurance, who run the MGOC insurance scheme won't insure anyone under 25
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bobfrance
1,304 posts
136 months
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We seem to pay hefty insurance rates in much of Lancashire.
I fail to see how your insurance would be cheaper on a newer car.
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Shaw Tarse
19,131 posts
72 months
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MichaelAndrews said: Pixelpeep said: limited mileage? tracker? classic car insurance? park it in a garage at night? dont use it for commuting? have 3rd party only? put parents on insurance? I can't seem to get classic car insurance because of my age, i haven't tried putting tracker/alarm on so i might do that (doubt it will make £600 difference though). I've done everthing else though Have you tried, fully comp, not garaging it, using it for commuting? (sounds daft, but so is the way insurance is calculated!)
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MichaelAndrews
Original Poster
17 posts
8 months
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Shaw Tarse said: Have you tried, fully comp, not garaging it, using it for commuting? (sounds daft, but so is the way insurance is calculated!) Yeah i have been playing around with it for ages, but nothing is making much of a difference and it is so time consuming.
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jagracer
6,722 posts
105 months
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Try any of the classic car insurance companies. Sureteam, Lancaster, Footman James, Peter Best although their call staff seem to be stuck up their own arses, Peter James, I have an MGB with them for £95 although I'm very old. Make sure the car is garaged at night, try for low mileage and put an older person as named driver.
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na
6,588 posts
103 months
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don't take what it's says on their websites, insurance brokers, insurance companies or even comparision sites phone them and talk to them, don't text them, talk to them the websites have conditions and filters that may not apply to all the policies they have to offer or it might even be that their websites are out of date (yes shocking I know) if you're looking towards more mainstream companies and brokers then passing other driving test, motorway, advance driving may help now and/or later - once you've passed one test to get your full licence you're still a young male learning to drive that's why you are considered to be a high risk, you haven't yet proved that you're not, and as for still learning they will hold that against you (but I think you'll learn more and better in a classic than a modern good choice of classic by the way,  keep driving it regularly and fully servicing it regularly Edited; as I misread you'd passed your test before
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na
6,588 posts
103 months
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Aar0sc said: Although... that was on a Triumph Spitfire 1500...! no need to apologise 
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MrBrightSi
1,022 posts
39 months
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Try graham sykes if its modified, if it isn't tell them you intend to. Theyve covered me for a couple of cars with very good price and the ability to get NCB.
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stu67
165 posts
57 months
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I'd certainly try an independant broker. I've just managed to get my son insured in a austin 1100 at 21, cost a couple hundred pounds with me as main driver. footman james etc didn't want to know even though I've got some other classics with them. I'd personally forget about the "classic" route as this will be very difficult under 23 I was told.
To be honest I've given up trying to fathom out how risk is priced in insurance. My son has just got 2 quotes, same broker for different cars, 1st vw golf 1.6 (not a sporty model)£980, 2nd Jaguar 3.0 s type £1060. Guess that will be the s type then.
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Merry
557 posts
57 months
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MichaelAndrews said: nicanary said: Join the MGOC - everyone does it, just for the insurance. The OC are used to it and don't mind. Lancaster Insurance, who run the MGOC insurance scheme won't insure anyone under 25 Its 21, not much help to the OP mind!
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Aar0sc
279 posts
26 months
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na said: Aar0sc said: Although... that was on a Triumph Spitfire 1500...! no need to apologise Really Nigel!
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MichaelAndrews
Original Poster
17 posts
8 months
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im trying a couple more insurance companies
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mad4amanda
1,069 posts
33 months
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My son got a grest deal on his first insurance policy with the NFU he had an E30 tourer 318 at 17 , they were doing good deals for young drivers .
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Wacky Racer
20,276 posts
116 months
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na said: don't take what it's says on their websites, insurance brokers, insurance companies or even comparision sites
phone them and talk to them, don't text them, talk to them Aviva came down from £1900 to £1100 in three seperate stages in ten minutes with my son's Picanto over the telephone two years ago after haggling.....last year from £1400 to £900..... His renewal has come through at £750...guess what he will be doing....... 
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