Kit Car insurance for 18 year old?
Discussion
Hi all,
Well as the price of running a car has been rising, as has been the cost to insure me on them. After ridiculous quotes (£9000 for example) on a '99' Nissan Micra 998cc, Third Party Fire & Theft, 5000 miles etc etc. Anyway, I decided to do an internet search for young people on a kit car, and it seems to be significantly lower than on a 'normal' car (less than £1000 for some people. However I found that the 'thread' which was on Pistonheads (I think) was several years old. So is there anyone my sort of age (turning 18 this month) who is insured on a Kit Car at a reasonable price?
Many thanks in advance.
Phil
Well as the price of running a car has been rising, as has been the cost to insure me on them. After ridiculous quotes (£9000 for example) on a '99' Nissan Micra 998cc, Third Party Fire & Theft, 5000 miles etc etc. Anyway, I decided to do an internet search for young people on a kit car, and it seems to be significantly lower than on a 'normal' car (less than £1000 for some people. However I found that the 'thread' which was on Pistonheads (I think) was several years old. So is there anyone my sort of age (turning 18 this month) who is insured on a Kit Car at a reasonable price?
Many thanks in advance.
Phil
Kit car will be cheaper to insure, especially on limited mileage. Incidentally I have a 998cc Micra and it still costs me over £500 a year to insure ... I'm 22 y/o who has never claimed, 4 years NCB, garaged with immobiliser and alarm in an area where there is hardly any theft.
A 2.0 Zetec 200hp Fisher Fury on a 5000-mile limited mileage policy ... £200.
Frank Pickles and Adrian Flux give online quotes, so they're worth a try to start off with.
A 2.0 Zetec 200hp Fisher Fury on a 5000-mile limited mileage policy ... £200.
Frank Pickles and Adrian Flux give online quotes, so they're worth a try to start off with.
If you're doing it to get a useable car for minimal running costs I suggest you look at some GTMs - spyder, libra, k3 rossa etc.
Take my word for it, a fisher fury, 7 type car etc etc is not useable. Not in this country anyway. Been there, done that. The GTM was though till it met it's untimely death. If it's just a weekend toy then fine, you don't need a roof. But from the sounds of it you want a car you can use and in that case you need a roof. At 18 don't expect to be paying £200, your quotes will be cheaper than normal cars but at 18 with minimal or no NCB you're not going to get to that kind of figure.
Take my word for it, a fisher fury, 7 type car etc etc is not useable. Not in this country anyway. Been there, done that. The GTM was though till it met it's untimely death. If it's just a weekend toy then fine, you don't need a roof. But from the sounds of it you want a car you can use and in that case you need a roof. At 18 don't expect to be paying £200, your quotes will be cheaper than normal cars but at 18 with minimal or no NCB you're not going to get to that kind of figure.
Yazza54 said:
If you're doing it to get a useable car for minimal running costs I suggest you look at some GTMs - spyder, libra, k3 rossa etc.
Take my word for it, a fisher fury, 7 type car etc etc is not useable. Not in this country anyway. Been there, done that. The GTM was though till it met it's untimely death. If it's just a weekend toy then fine, you don't need a roof. But from the sounds of it you want a car you can use and in that case you need a roof. At 18 don't expect to be paying £200, your quotes will be cheaper than normal cars but at 18 with minimal or no NCB you're not going to get to that kind of figure.
I agree and disagree with this. I built my first car at 17/18 and drove it everyday for nearly 12 years. It was open top and very very usable. I had a Spartan. Insurance was even then much less than a "regular car"Take my word for it, a fisher fury, 7 type car etc etc is not useable. Not in this country anyway. Been there, done that. The GTM was though till it met it's untimely death. If it's just a weekend toy then fine, you don't need a roof. But from the sounds of it you want a car you can use and in that case you need a roof. At 18 don't expect to be paying £200, your quotes will be cheaper than normal cars but at 18 with minimal or no NCB you're not going to get to that kind of figure.
People's perceptions of open top motoring are it's cold wet and miserable. I can confirm it can get cold but the rest is not true. If you're young you are much more able to handle the cold too. However with regards a more normal car I do agree on the GTMs etc and also check out the Midas too Superb car and I think it's the only kit car to have undergone an official crash test. So go for it get yourself a kit and enjoy much more sensible and fun motoring than the rot box money pits.
The costs have changed since then, they will be cheaper but not peanuts like some of the figures you hear thrown about.
Again with open top motoring I could stand my Fury Spyder for a bit but couldn't do a massive distance in it with no screen and r1 engine. Other people will say otherwise but for me I just found it massively tedious on the road. Immense turn of speed but on public roads I could only drive it at 10% of it's capability. Sometimes it's more fun driving a slow car fast.
Now open top, but normal car engine and screen - much more useable. Plus your Spartan will have had doors which my fury didn't. No way I was getting any birds in that car. So you can see how I've come to form my opinion..
Some are more useable than others but for a genuine sensible alternative to a normal car you can't go far wrong looking at the GTMs.
That's my interpretation of the original post anyway, you've come on looking for a cheap fun alternative to a normal car, not a weekend toy.
Again with open top motoring I could stand my Fury Spyder for a bit but couldn't do a massive distance in it with no screen and r1 engine. Other people will say otherwise but for me I just found it massively tedious on the road. Immense turn of speed but on public roads I could only drive it at 10% of it's capability. Sometimes it's more fun driving a slow car fast.
Now open top, but normal car engine and screen - much more useable. Plus your Spartan will have had doors which my fury didn't. No way I was getting any birds in that car. So you can see how I've come to form my opinion..
Some are more useable than others but for a genuine sensible alternative to a normal car you can't go far wrong looking at the GTMs.
That's my interpretation of the original post anyway, you've come on looking for a cheap fun alternative to a normal car, not a weekend toy.
Edited by Yazza54 on Thursday 9th June 09:59
Quantums are worth a look too, especially if you can get hold of one with a Zetec motor. I was tempted by a 2+2 a while back as a daily driver as most also come with a (presumably leaky) hardtop and room in the back for a couple of friends. Underneath they're just an XR2i with a GRP monocoque.
having been down this route recently i suspect that you'll be lucky to find someone to give you a sensible quote. Things seem to have movwed on with kit car insurance like teh rest of the market.
I investigated getting my 17 yr old daughter insured on a 'sensible' kit car - a 1.6 rickman. Most of the usual suspect couldnt quote her, needed to be 21. the one that did iirc Footman James wanted more than a 'normal' tin top. the quote was something like £98 for wifey and i with 3k miles, add in daughter and it went to £960 which was £40 more than insuring a Ford KA.
Good luck, its worth checking around and i for one would be interested to hear how you get on!
I investigated getting my 17 yr old daughter insured on a 'sensible' kit car - a 1.6 rickman. Most of the usual suspect couldnt quote her, needed to be 21. the one that did iirc Footman James wanted more than a 'normal' tin top. the quote was something like £98 for wifey and i with 3k miles, add in daughter and it went to £960 which was £40 more than insuring a Ford KA.
Good luck, its worth checking around and i for one would be interested to hear how you get on!
greengreenwood7 said:
having been down this route recently i suspect that you'll be lucky to find someone to give you a sensible quote. Things seem to have movwed on with kit car insurance like teh rest of the market.
I investigated getting my 17 yr old daughter insured on a 'sensible' kit car - a 1.6 rickman. Most of the usual suspect couldnt quote her, needed to be 21. the one that did iirc Footman James wanted more than a 'normal' tin top. the quote was something like £98 for wifey and i with 3k miles, add in daughter and it went to £960 which was £40 more than insuring a Ford KA.
Good luck, its worth checking around and i for one would be interested to hear how you get on!
Thanks for that but that already sounds better than the quotes that I've already been getting. The cheapest I have had was £1400 for a Fiat 126, so anything like this is fine. As for the previous comments about having a convertible, I really dont mind the cold, We've had the roof down in the snow lol I investigated getting my 17 yr old daughter insured on a 'sensible' kit car - a 1.6 rickman. Most of the usual suspect couldnt quote her, needed to be 21. the one that did iirc Footman James wanted more than a 'normal' tin top. the quote was something like £98 for wifey and i with 3k miles, add in daughter and it went to £960 which was £40 more than insuring a Ford KA.
Good luck, its worth checking around and i for one would be interested to hear how you get on!
Most kit cars aren't convertibles. It's roof or no roof. Many with no doors or screen.. Or heater. Or a shoddy ragtop if lucky. Convertibles are great but were not talking about convertibles.
There's not many that are true useable convertibles, those that are tend to be more expensive.
On most kits with a rag top you'll be piss wet through by the time you've got it on anyway.
There's not many that are true useable convertibles, those that are tend to be more expensive.
On most kits with a rag top you'll be piss wet through by the time you've got it on anyway.
Lol you sound like me from a year ago. At least try and get something with a screen and doors.
I'm probably the only person on here offering advice that has actually recently done what you're asking about. Everyones tolerances are different so you may find it fine, just trying to help.
I'm probably the only person on here offering advice that has actually recently done what you're asking about. Everyones tolerances are different so you may find it fine, just trying to help.
my first car was a Ginetta G32, i insured it with footman james for £775 limited mileage. great first car but it did want a lot of maintenance to be kept on the road daily, this never bothered me but something to think about...
i then had a Quantum 2+2 also with footman james, i think the quantum will be a good car to look at as there very cheap for someone like yourself.
i'm 19 now and have a Striker, i do a lot of miles in the seven but i'm now in the position of having a second car so can afford to have no roof/doors etc, if your brave enough you can use a seven daily as a lot of people have, in my opinion the roof for the seven is 'rubish', the rain comes up though the doors and soaks your leg rather than leaking though the top as you would expect. personally i don't bother with it.... thats what the holes in the floor are for
i then had a Quantum 2+2 also with footman james, i think the quantum will be a good car to look at as there very cheap for someone like yourself.
i'm 19 now and have a Striker, i do a lot of miles in the seven but i'm now in the position of having a second car so can afford to have no roof/doors etc, if your brave enough you can use a seven daily as a lot of people have, in my opinion the roof for the seven is 'rubish', the rain comes up though the doors and soaks your leg rather than leaking though the top as you would expect. personally i don't bother with it.... thats what the holes in the floor are for
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