Cars under the insurance radar

[balders118]

After seeing the "pic of the week" i thought it would be a great idea to get some quotes on some lovely cars, that I thought may sneak under the high insurance radar (not assosiated with ASBO's crashing them).

To put you in perspective, i'm 22, and due to some points for a DC10 (motorbike crash, not my fault but thats another storey) i currently pay £850 ish for a 1.6 shopping trolley. A new golf GTi will take around £3000 out my pocket. A 5 door BMW 118d will cost me to the tune of £1700... so you get the picture.

I tried the E30 M3 - just over £3000.. bit steap.

Next, 4.0 M reg Jag XJ6 sport - came in cheap (ish) at £1900

When I tried the Merc 190 cosworth it came in at a stonking £1600! Bargin if you ask me.

Not that cheap really, but if I had the money to buy the merc i'd pay that for insurance in the blink of an eye. As you can probabaly tell, i'm at work and VERY bored.

What do you think will come in suprisingly cheap for you? Any quotes?

[obscene]

Do you still ride ? If you're looking for performance, I'd say stick with bikes and deal with a cheap car till insurance goes down.

[balders118]

obscene said:

Do you still ride ? If you're looking for performance, I'd say stick with bikes and deal with a cheap car till insurance goes down.

I don't ride at the moment. When I had the bike, it was my only trasnport and I hated riding in freezing fog, hail etc to get to work. After the crash got a car, and although I do want another bike it wont be until I can afford to run both a car and a bike for that reason. Riding in st weather is a chore IMO.

Anyway, i'm not currently looking at buying these cars, just trying to find gems that can sneak under the high premiums.

[balders118]

The Crack Fox said:

Have you tried classic car policies. You'd be surprised at what qualifies and although there is lots of smallprint, the premiums can be surprisingly low. Old 911 ?

Ill try and old 911... but i'm just using confused.com, I'll get back with a price.

[jimmy156]

obscene said:

Do you still ride ? If you're looking for performance, I'd say stick with bikes and deal with a cheap car till insurance goes down.

For some reason when he's on a bike he tends not to be able to see red, particularly if it's a light on a pole by a crossing. allegedly.

Back on topic, jags and old porches seem to be pretty good at lots of bang for your buck

[balders118]

balders118 said:

The Crack Fox said:

Have you tried classic car policies. You'd be surprised at what qualifies and although there is lots of smallprint, the premiums can be surprisingly low. Old 911 ?

Ill try and old 911... but i'm just using confused.com, I'll get back with a price.

ETA: Porsche 911 2.4 Coupe (3.0) RS Mods (1972) from the PH classifieds comes in at £4800 - with a whopping £1100 excess... so not for me. Different for different people though.

[hairykrishna]

If you can get a classic policy, you'll be amazed by how cheap it is. I pay close to 800 TPF&T on my Saab (roughly the value of the car!) but only 140 fully comp on my 928.

[hairykrishna]

balders118 said:

balders118 said:

The Crack Fox said:

Have you tried classic car policies. You'd be surprised at what qualifies and although there is lots of smallprint, the premiums can be surprisingly low. Old 911 ?

Ill try and old 911... but i'm just using confused.com, I'll get back with a price.

ETA: Porsche 911 2.4 Coupe (3.0) RS Mods (1972) from the PH classifieds comes in at £4800 - with a whopping £1100 excess... so not for me. Different for different people though.

Sod the comparison site - try Lancaster or Hagerty.

[balders118]

jimmy156 said:

obscene said:

Do you still ride ? If you're looking for performance, I'd say stick with bikes and deal with a cheap car till insurance goes down.

For some reason when he's on a bike he tends not to be able to see red, particularly if it's a light on a pole by a crossing. allegedly.

Back on topic, jags and old porches seem to be pretty good at lots of bang for your buck

It wasnt red. End of. At least, i'm pretty sure it wasn't. If i'm totally honest I really don't remember.. but as a general rule I don't run reds. Haven't done before or after. ANYWAY.. thats not up for discussion here. What happened to your insurance after you lost control and rolled your pug?

[balders118]

hairykrishna said:

balders118 said:

balders118 said:

The Crack Fox said:

Have you tried classic car policies. You'd be surprised at what qualifies and although there is lots of smallprint, the premiums can be surprisingly low. Old 911 ?

Ill try and old 911... but i'm just using confused.com, I'll get back with a price.

ETA: Porsche 911 2.4 Coupe (3.0) RS Mods (1972) from the PH classifieds comes in at £4800 - with a whopping £1100 excess... so not for me. Different for different people though.

Sod the comparison site - try Lancaster or Hagerty.

Seeing as i'm not buying the car i'm just having a look for the sake of keeping me sane, making phone calls is a bit too cheeky (seeing as i'm working). Do they have onlien forms?

[hairykrishna]

balders118 said:

hairykrishna said:

balders118 said:

balders118 said:

The Crack Fox said:

Have you tried classic car policies. You'd be surprised at what qualifies and although there is lots of smallprint, the premiums can be surprisingly low. Old 911 ?

Ill try and old 911... but i'm just using confused.com, I'll get back with a price.

ETA: Porsche 911 2.4 Coupe (3.0) RS Mods (1972) from the PH classifieds comes in at £4800 - with a whopping £1100 excess... so not for me. Different for different people though.

Sod the comparison site - try Lancaster or Hagerty.

Seeing as i'm not buying the car i'm just having a look for the sake of keeping me sane, making phone calls is a bit too cheeky (seeing as i'm working). Do they have onlien forms?

Lancaster do;
https://secure.lancaster-ins.co.uk/cgi-bin/quote_i...

Edit although your DC10 might rule you out...

Edited by hairykrishna on Friday 7th May 19:16

[balders118]

hairykrishna said:

balders118 said:

hairykrishna said:

balders118 said:

balders118 said:

The Crack Fox said:

Have you tried classic car policies. You'd be surprised at what qualifies and although there is lots of smallprint, the premiums can be surprisingly low. Old 911 ?

Ill try and old 911... but i'm just using confused.com, I'll get back with a price.

ETA: Porsche 911 2.4 Coupe (3.0) RS Mods (1972) from the PH classifieds comes in at £4800 - with a whopping £1100 excess... so not for me. Different for different people though.

Sod the comparison site - try Lancaster or Hagerty.

Seeing as i'm not buying the car i'm just having a look for the sake of keeping me sane, making phone calls is a bit too cheeky (seeing as i'm working). Do they have onlien forms?

Lancaster do;
https://secure.lancaster-ins.co.uk/cgi-bin/quote_i...

Edit although your DC10 might rule you out...

Edited by hairykrishna on Friday 7th May 19:16

Tried them (my DC10 was just over 3 years ago, and they ask for up to three years). £1300! Great price. Now i just need the money to buy the porshe! ha.

Edited to fix mistake

Edited by balders118 on Friday 7th May 19:25

Edited by balders118 on Friday 7th May 19:26

[samdale]

i've noticed this a lot with quotes.
i had near identical quotes recently for a 1.8 '02ish focus zetec and an '01 330d at around £1300,

shame im back in college (at 22!) so cant afford either

[Opara]

I'm looking at getting my first car plus insurance in the next month as i'll have just passed test hopefully.I'm male, 27 and live in a reasonable area but i'm struggling to get quotes under £1k and thats for Yaris,Felicia,Clio etc with no commuting.
Is it possible to get classic insurance in your first year because it says on Lancasters site you need to have held a licence for 3 years?

[balders118]

Opara said:

I'm looking at getting my first car plus insurance in the next month as i'll have just passed test hopefully.I'm male, 27 and live in a reasonable area but i'm struggling to get quotes under £1k and thats for Yaris,Felicia,Clio etc with no commuting.
Is it possible to get classic insurance in your first year because it says on Lancasters site you need to have held a licence for 3 years?

I don't know mate, but i'll bump this to see if anyone does.

[Tom H]

Most classic car policies will require the use of another 'main' car as classics are meant for 'highdays and holidays' so no good in my opinion.

[hairykrishna]

Tom H said:

Most classic car policies will require the use of another 'main' car as classics are meant for 'highdays and holidays' so no good in my opinion.

None of my classic policies have ever required such a thing. I used my last 944 as a daily driver on a classic policy.

[theironduke]

Going down the classic route you get a lot of bang for your buck with a 928, and with a manual box they will shift!

[MG-FIDO]

hairykrishna said:

Tom H said:

Most classic car policies will require the use of another 'main' car as classics are meant for 'highdays and holidays' so no good in my opinion.

None of my classic policies have ever required such a thing. I used my last 944 as a daily driver on a classic policy.

Ditto, I drove my BGT as my only car and have never been required to have a 'main' car.

[Waugh-terfall]

balders118 said:

jimmy156 said:

obscene said:

Do you still ride ? If you're looking for performance, I'd say stick with bikes and deal with a cheap car till insurance goes down.

For some reason when he's on a bike he tends not to be able to see red, particularly if it's a light on a pole by a crossing. allegedly.

Back on topic, jags and old porches seem to be pretty good at lots of bang for your buck

It wasnt red. End of. At least, i'm pretty sure it wasn't. If i'm totally honest I really don't remember.. but as a general rule I don't run reds. Haven't done before or after. ANYWAY.. thats not up for discussion here. What happened to your insurance after you lost control and rolled your pug?

This'll freak one of you out, but which one of you is it that can't see walls or something from the drivers seat of a parents Volvo Estate?

On that note, the V70R of 1998/2001 era slips under nicely!

Edited by Waugh-terfall on Saturday 8th May 15:50