newbie wants 4x4 advice

[danlightbulb]

The sales assistant didn't say. I asked for 3rd party, but the woman said I'll search for both because sometimes fully comp comes out cheaper than 3rd party. Once she told me it was coming up at £3,000+ and there was nothing she could do she just wanted me off the phone as fast as possible.

Its because I couldn't count my no claims discount again. She said they mirror the no claims on classic car policies but this car is too young (18 years old lol!!!), and they don't mirror the no claims on standard policies.

I don't understand it, because lots of people must have 2nd cars and they can't be all 25+ years old or whatever it needs to be. It stands to reason that if I pay £500 a year for 10k miles then I should only be paying £100/£200 a year for 2k miles. fking rip off.

The £450 adrian flux quote is starting to look quite good now, but this stuff about the no claims has made me wonder whether Adrian flux has got the quote right or not. Plus its still more than I can afford. I was able to allow £50 a month for tax and insurance. Tax was £22 so that left £28 for insurance.

[danlightbulb]

Thanks. I'm looking around. I'll try NFU. I've emailed a few insurance brokers who supposedly specialise in 2nd cars so we'll see if those come up trumps.

I hate the way insurance works. It should be the person that's insured not the vehicle. I can only drive one vehicle at a time after all.

[danlightbulb]

Can I ask where you insured it with, how old you are, and whether you limited the mileage on your policy? Did you have the same problems as Ive had trying to get a reasonable cost 2nd car policy? £120 is what I was expecting - £500 to £3k+ is what I'm getting quoted.

Edited by danlightbulb on Thursday 2nd July 21:25

[danlightbulb]

This is why I'm so surprised see. I'm 35, full no claims, never had a accident, clean license held for 18 years. Looking for exactly the same type of policy as you have. I only want a bit of a weekend hobby.

[danlightbulb]

Another 3 companies tried no luck. NFU wont quote me because apparantly i live in a high claims area and they have strict criteria. Ive never had any problems having lived there for 5 years. Hodgson insurance came back at 3k saying car not old enough and they are unable to mirror the NCD on that car. Still to get through to keith micheals and will try sureterm. If i dont get anywhere with those thats the dream over.

[danlightbulb]

Car is a 1997 P reg, so same age as yours. Its a great car, but it seems like i cant insure it.

[danlightbulb]

If i had a short commute i would probably buy one as a main car, but i have a daily 40 mile motorway commute, each way. I think id quickly tire of it in that situation. Have got no further with quotes, and the jeep i was looking at is about to sell on ebay so back to the drawingboard.