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17 Year Old Insurance for MG Midget. HELP!!!!!!!!!!!!

17 Year Old Insurance for MG Midget. HELP!!!!!!!!!!!!

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Discussion

MichaelAndrews

Original Poster:

17 posts

51 months

Thursday 27th September 2012
quotequote all
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?

Pixelpeep

4,047 posts

54 months

Thursday 27th September 2012
quotequote all
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?

Shaw Tarse

26,377 posts

115 months

Thursday 27th September 2012
quotequote all
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.

nicanary

4,070 posts

58 months

Thursday 27th September 2012
quotequote all
Join the MGOC - everyone does it, just for the insurance. The OC are used to it and don't mind.

Aar0sc

279 posts

69 months

Thursday 27th September 2012
quotequote all
£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...!

Edited by Aar0sc on Thursday 27th September 16:24

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MichaelAndrews

Original Poster:

17 posts

51 months

Thursday 27th September 2012
quotequote all
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

MichaelAndrews

Original Poster:

17 posts

51 months

Thursday 27th September 2012
quotequote all
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

bobfrance

1,321 posts

179 months

Thursday 27th September 2012
quotequote all
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.

Shaw Tarse

26,377 posts

115 months

Thursday 27th September 2012
quotequote all
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!)

MichaelAndrews

Original Poster:

17 posts

51 months

Thursday 27th September 2012
quotequote all
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.

jagracer

8,193 posts

148 months

Thursday 27th September 2012
quotequote all
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.

na

7,880 posts

146 months

Thursday 27th September 2012
quotequote all
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, smile keep driving it regularly and fully servicing it regularly

Edited; as I misread you'd passed your test before

Edited by na on Thursday 27th September 17:23

na

7,880 posts

146 months

Thursday 27th September 2012
quotequote all
Aar0sc said:
Although... that was on a Triumph Spitfire 1500...!
no need to apologise











tongue out

MrBrightSi

1,891 posts

82 months

Thursday 27th September 2012
quotequote all
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.

stu67

307 posts

100 months

Thursday 27th September 2012
quotequote all
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.

Merry

632 posts

100 months

Thursday 27th September 2012
quotequote all
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!

Aar0sc

279 posts

69 months

Thursday 27th September 2012
quotequote all
na said:
Aar0sc said:
Although... that was on a Triumph Spitfire 1500...!
no need to apologise
Really Nigel!

MichaelAndrews

Original Poster:

17 posts

51 months

Thursday 27th September 2012
quotequote all
im trying a couple more insurance companies

mad4amanda

2,014 posts

76 months

Thursday 27th September 2012
quotequote all
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 .

Wacky Racer

26,117 posts

159 months

Thursday 27th September 2012
quotequote all
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.......biggrin