17 Year Old Insurance for MG Midget. HELP!!!!!!!!!!!!
Discussion
stu67 said:
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.
As long as you are the main driver 
. If not, there could be problems 
(it's called "fronting").Good cars though, the ADO16
.I actually have a Spit' but i found that with specialist insurers for young people, i could get quotes of around £100-1300 for a Midget (although they will be more expensive as there are more of them being driven by young drivers, and they have a 1500? engine)
basically try specialist insurers for young people, and footman James seemed pretty good, or as everyone says MGOC is pretty good, and you will want to join anyway if its anything like TSSC.
however, i would be very surprised if a modern car could be cheaper than a midget et al, i haven't found a modern car that is cheaper than my spitfire yet. £3k is about the norm now, sadly.
basically try specialist insurers for young people, and footman James seemed pretty good, or as everyone says MGOC is pretty good, and you will want to join anyway if its anything like TSSC.
however, i would be very surprised if a modern car could be cheaper than a midget et al, i haven't found a modern car that is cheaper than my spitfire yet. £3k is about the norm now, sadly.
MichaelAndrews said:
I need insurance for an MG Midget 1978...Any ideas?
Aar0sc said:
£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...!
How about this...1) The TSSC (Triumph Sports Six Club) have a rule that anyone on their insurance panel must offer insurance to young members at a reasonable price.
2) The TSSC doesn't just cover the Triumph models but also Triumph-based specials.
3) A '78 Midget should have the Triumph 1500cc engine I think.
So could you join the TSSC and insure the Midget through the club as a Triumph-based special?
//j17 said:
So could you join the TSSC and insure the Midget through the club as a Triumph-based special?
I'm not quite sure they mean special in that way 
it's a pity the clubs aren't closer, perhaps in the future they might have to be
and it's a pity some Triumph and MG owners take the differences so seriously but perhaps that will also change as new and younger owners
na said:
'm not quite sure they mean special in that way
it's a pity the clubs aren't closer, perhaps in the future they might have to be
and it's a pity some Triumph and MG owners take the differences so seriously but perhaps that will also change as new and younger owners
Never understood the friction. Always been a Triumph man myself but nothing wrong with a nice MG. it's a pity the clubs aren't closer, perhaps in the future they might have to be
and it's a pity some Triumph and MG owners take the differences so seriously but perhaps that will also change as new and younger owners
But I do own a fibreglass thing with a mix of Triumph and Jag mechanicals and a Ford engine
GadgeS3C said:
Never understood the friction.
me neither both marques and models have there many faults too so why not admit them and have a laugh about it alltalking of which
GadgeS3C said:
But I do own a fibreglass thing with a mix of Triumph and Jag mechanicals and a Ford engine
I 'd guessed your car but then realised there's a clue in your user name 
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
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
I have rang most of these companies but unfortunately they only do over 21's. There are a few more that i'm looking at, at the moment, but i was also looking at getting a triumph spitfire and insuring it with peter james.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
na said:
GadgeS3C said:
Never understood the friction.
me neither both marques and models have there many faults too so why not admit them and have a laugh about it alltalking of which
GadgeS3C said:
But I do own a fibreglass thing with a mix of Triumph and Jag mechanicals and a Ford engine
I 'd guessed your car but then realised there's a clue in your user name aw51 121565 said:
As long as you are the main driver . If not, there could be problems (it's called "fronting").
Good cars though, the ADO16 .
As if a 17 year old would want an old car !!! How could it be fronting !! . If not, there could be problems (it's called "fronting").Good cars though, the ADO16
.I put my son on the insurance of my Mini 998, when he was 17 on a classic policy through footman james, but they say they no longer do it. an extra £750 for TPFT limited to 3000 miles.
MichaelAndrews said:
I have rang most of these companies but unfortunately they only do over 21's. There are a few more that i'm looking at, at the moment, but i was also looking at getting a triumph spitfire and insuring it with peter james.
I could give you a list of companies but it’s 5+ years old now so companies may have gone or mergedKeep trying and ask around as many people as possible as sometimes it’s little brokers or odd choices like NFU that can come up trumps
if you’re going for a Spitfire fine, the later ones have the same Triumph (1500) engine as the Midget 1500
as my last car was a Triumph and my present car is a MG I can tell you parts are slightly easier to get for a MG but not that much in it
if you think getting insurance is difficult wait until you try buying a good car and fully and properly servicing, maintaining and repairing it
or if you buy a bad car just keeping it going - many people don't suit classic car ownership including many past and current owners
see -
//j17 said:
How about this...
The TSSC (Triumph Sports Six Club) have a rule that anyone on their insurance panel must offer insurance to young members at a reasonable price.
ETA: er, also I've just thought you probably need to pass your test first, don't think of that as a done deal, many do failThe TSSC (Triumph Sports Six Club) have a rule that anyone on their insurance panel must offer insurance to young members at a reasonable price.
Edited by na on Wednesday 3rd October 01:28
na said:
MichaelAndrews said:
I have rang most of these companies but unfortunately they only do over 21's. There are a few more that i'm looking at, at the moment, but i was also looking at getting a triumph spitfire and insuring it with peter james.
I could give you a list of companies but it’s 5+ years old now so companies may have gone or mergedKeep trying and ask around as many people as possible as sometimes it’s little brokers or odd choices like NFU that can come up trumps
if you’re going for a Spitfire fine, the later ones have the same Triumph (1500) engine as the Midget 1500
as my last car was a Triumph and my present car is a MG I can tell you parts are slightly easier to get for a MG but not that much in it
if you think getting insurance is difficult wait until you try buying a good car and fully and properly servicing, maintaining and repairing it
or if you buy a bad car just keeping it going - many people don't suit classic car ownership including many past and current owners
see -
//j17 said:
How about this...
The TSSC (Triumph Sports Six Club) have a rule that anyone on their insurance panel must offer insurance to young members at a reasonable price.
ETA: er, also I've just thought you probably need to pass your test first, don't think of that as a done deal, many do failThe TSSC (Triumph Sports Six Club) have a rule that anyone on their insurance panel must offer insurance to young members at a reasonable price.
Edited by na on Wednesday 3rd October 01:28
Best luck I've had so far is with these... (I'm 23, trying to insure an MX5 and also AE86)
- www.2getherinsurance.com. Can sometimes be quite competitive if you buy it that day.
- www.classiclineinsurance.co.uk were also able to quote me.
- Lastly, try Carole Nash... but depends on the operator you get it seems. One guy said yes, another said no...
I'm still looking for others though.
- www.2getherinsurance.com. Can sometimes be quite competitive if you buy it that day.
- www.classiclineinsurance.co.uk were also able to quote me.
- Lastly, try Carole Nash... but depends on the operator you get it seems. One guy said yes, another said no...
I'm still looking for others though.
Do please keep trying. Sooo much better than another blxxdy Saxo or Corsa.
I had an MGB at 19, it was many moons ago but the price hurt even then - but after the first year it gets much easier, and as a few have noted at 21 the world of classic car limited mileage policies open up.
My background is in motor insurance, although I've been doing non motor for many years I may add a bit:-
- Have you tried the black box insurers? I'm not sure whether one can be fitted on an old Midget, but if possible this is usually the cheaper option.
- The post about waiting till December is a good one. From 21st December prices for guys n gals have to be the same, and young male rates will fall - a bit.
- I also agree that a modern small car is unlikely to be much cheaper, although it will open up the 'insure the box' option if the Midget could not take one.
- Adding older drivers does help.
- Get comprehensive quotes. They can indeed often be cheaper than TPO/ TPFT as many insurers only offer comp, so a TPFT request keeps them out of the game.
Good luck!!
I had an MGB at 19, it was many moons ago but the price hurt even then - but after the first year it gets much easier, and as a few have noted at 21 the world of classic car limited mileage policies open up.
My background is in motor insurance, although I've been doing non motor for many years I may add a bit:-
- Have you tried the black box insurers? I'm not sure whether one can be fitted on an old Midget, but if possible this is usually the cheaper option.
- The post about waiting till December is a good one. From 21st December prices for guys n gals have to be the same, and young male rates will fall - a bit.
- I also agree that a modern small car is unlikely to be much cheaper, although it will open up the 'insure the box' option if the Midget could not take one.
- Adding older drivers does help.
- Get comprehensive quotes. They can indeed often be cheaper than TPO/ TPFT as many insurers only offer comp, so a TPFT request keeps them out of the game.
Good luck!!
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