17 Year Old Insurance for MG Midget. HELP!!!!!!!!!!!!
Discussion
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 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 thoughMichaelAndrews 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 thoughTry 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.
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and filters that may not apply to all the policies they have to offer or it might even be that their websites are out of date (yes shocking I know)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
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 regularlyEdited; as I misread you'd passed your test before
Edited by na on Thursday 27th September 17:23
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.
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.
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.....phone them and talk to them, don't text them, talk to them
His renewal has come through at £750...guess what he will be doing.......
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