Classic Car Insurance for a 17 Year Old (Mg Midget).

[alexlrg100]

Can anybody tell me how it would be cheapest to insure an MG Midget for a 17 year old?
I'm thinking of buying one as my first car and really need to know some details in terms of insurance. It would be great if somebody could tell me the following:

- A good insurance company that is worth looking into
- Any useful (but still legal) ways of reducing the cost of insurance
- Which model/mark of MG Midget will be cheapest to insure
- Any information that would be helpful to me

I figured this would be the best place to ask, as this actually has people that know what they're talking about on here... as opposed to Yahoo...

Oh and if you're going to use an insurance fancy key terms, can you explain what they mean in brackets because I'm pretty new to insurance etc.

Thanks

[Shaw Tarse]

Will it be your only car?
Committing?
Garaged?
Limited milage?

[alexlrg100]

Shaw Tarse said:

Will it be your only car?
Committing?
Garaged?
Limited milage?

Yes, my only car.
Yes I'll be committed to it, if that's what you mean?
Garaged, well I have a garage in which I can keep it when Winter comes along...
Limited milage... not really sure which is best

[Shaw Tarse]

Commuting

[alexlrg100]

Shaw Tarse said:

Commuting

For the first year/ two years it will be more local driving, so no. After that I may need to drive to and from university every now and then.

[G600]

I know someone who insured a triumph herald at 17 as an only car with footman james, I'd give them a call

[alexlrg100]

G600 said:

I know someone who insured a triumph herald at 17 as an only car with footman james, I'd give them a call

Thank you, I really appreciate it.

[alexlrg100]

G600 said:

I know someone who insured a triumph herald at 17 as an only car with footman james, I'd give them a call

Actually, I think we rang Footman James and said they won't insure a 17 year old on a Classic Car

[Negative Creep]

Sorry to be the bearer of bad news, but most classic insurers won't touch 17 years old now. I guess a few too many younger drivers figured out the loophole, and their policy has changed accordingly

[alexlrg100]

Negative Creep said:

Sorry to be the bearer of bad news, but most classic insurers won't touch 17 years old now. I guess a few too many younger drivers figured out the loophole, and their policy has changed accordingly

I'll just have to keep looking.

[GroundEffect]

I wouldn't want to drive an unsafe car at that tender age, given propensity to bin it...

[HeatonNorris]

GroundEffect said:

I wouldn't want to drive an unsafe car at that tender age, given propensity to bin it...

What do you think 17 year olds did 40 years ago?

[6fire]

GroundEffect said:

I wouldn't want to drive an unsafe car at that tender age, given propensity to bin it...

Just because it's old doesn't mean it's unsafe.

[GroundEffect]

6fire said:

GroundEffect said:

I wouldn't want to drive an unsafe car at that tender age, given propensity to bin it...

Just because it's old doesn't mean it's unsafe.

It's a pretty good way to tell. No airbags, no crumple zones, no inertial-reel seatbelts, no swages in the chassis to deflect loads...

HeatonNorris said:

GroundEffect said:

I wouldn't want to drive an unsafe car at that tender age, given propensity to bin it...

What do you think 17 year olds did 40 years ago?

Got injured/died in bigger accidents.

[Negative Creep]

GroundEffect said:

6fire said:

GroundEffect said:

I wouldn't want to drive an unsafe car at that tender age, given propensity to bin it...

Just because it's old doesn't mean it's unsafe.

It's a pretty good way to tell. No airbags, no crumple zones, no inertial-reel seatbelts, no swages in the chassis to deflect loads...

HeatonNorris said:

GroundEffect said:

I wouldn't want to drive an unsafe car at that tender age, given propensity to bin it...

What do you think 17 year olds did 40 years ago?

Got injured/died in bigger accidents.

I bet no one could even complete a journey pre 1992, what with all the mangled wrecks and body parts on the road

[HeatonNorris]

Negative Creep said:

I bet no one could even complete a journey pre 1992, what with all the mangled wrecks and body parts on the road

I died eleventy times when I had a 1979 Fiat Spider and 1981 Golf Cabrio...

[Hammer67]

I have no knowledge about MG insurance but if you look here:

http://www.tssc.org.uk/index.php?option=com_firebo...

You will see that, in the Triumph world at least, this route to cheap insurance for teens has been closed.

I have a daughter of similar age to the OP and was considering a Herald or similar on a club policy until the loophole was closed. You have to admit though that classic car insurance policies were never intended for this purpose and it`s not really surprising the industry has shut the door.

[GroundEffect]

Negative Creep said:

GroundEffect said:

6fire said:

GroundEffect said:

I wouldn't want to drive an unsafe car at that tender age, given propensity to bin it...

Just because it's old doesn't mean it's unsafe.

It's a pretty good way to tell. No airbags, no crumple zones, no inertial-reel seatbelts, no swages in the chassis to deflect loads...

HeatonNorris said:

GroundEffect said:

I wouldn't want to drive an unsafe car at that tender age, given propensity to bin it...

What do you think 17 year olds did 40 years ago?

Got injured/died in bigger accidents.

I bet no one could even complete a journey pre 1992, what with all the mangled wrecks and body parts on the road

I wouldn't take the risk. It's as simple as that. I've been involved in 2 accidents and both were the fault of the other driver. I don't want to put my life in the hands of morons on the road.

[Negative Creep]

HeatonNorris said:

Negative Creep said:

I bet no one could even complete a journey pre 1992, what with all the mangled wrecks and body parts on the road

I died eleventy times when I had a 1979 Fiat Spider and 1981 Golf Cabrio...

Have a look at my car history. I'm thinking of buying something modern, since quite frankly I'm getting pretty damn sick of exploding in a ball of fire every time I try and drive to Tesco

[G600]

alexlrg100 said:

Actually, I think we rang Footman James and said they won't insure a 17 year old on a Classic Car

Oh this was a few years ago I guess the changed it.