HOW MUCH??? Insurance on a Ford KA...

[skoff]

No, it's not in the wrong section, I'm interested to hear what other frequenters of the Fish do about insuring the courtesy car.

I have my car booked in at the Fish at the start of June, and as I need to leave the car there for a week I have very kindly been offered the courtesy car. So standard procedure is to sort your own insurance for the week.

Last time I had the Vectra SRI which I guess has now gone to the great scrap heap in the sky, to live on a farm somewhere in the country, the insurance for a week on the Vectra was £10 for an additional vehicle.

So how much did I just get quoted for the Ford Ka? £50 chuffin' quid which is 5% of the value of the car FFS! Then when I said it might be 7 days cover plus 2 hours, they threatened to charge me for 8 days. I only pay £500 or so for the Ro for a whole bloomin' year. Is the Ka some sort of fire-breathing monster? Am I not going to want to give it back when my 'Ro is ready to be collected?

I even have a second car that I use as a DD hack (Lexus GS300) so I'm not even going to use the wretched thing for anything other than to and fro from the Fish.

Maybe I'm turning into Victor Meldrew, but that is one hell of an increase over 2 years for a significantly less risky car. I know it's short term cover but that works out at £2,600 per year, did I just stop being 40something and become 17 again?

Daylight robbery.

[ringram]

Thats your fault for not owning more than one v8.
You have to pay a fine.

[MyM8V8]

Serves you right for even thinking about using it.

[EmmaJ]

I normally just drive it under the drive any vehicle cover that is part of being fully comp. Admittedly it only offers 3rd party cover but I'm figuring if I were to be involved in an accident whilst driving one of the Fishy loaners I'd like to think it wouldn't be my fault. I guess there is a massive cavaet that assumes the Fish have insurance cover in place for their cars in the first place otherwise my drive any vehicle cover wouldn't be valid as it's a condition that the vehicle I'm driving is separately insured....

[S800VXR]

A. You live on a farm.
B. it's a Ford!

Both high risks.

[ARAF]

I also just use my TPC. I'm under no illusion that if I'm in an accident, my fault or otherwise, I've bought the car, so that they can use the money to get another loaner in.

If it wasn't my fault, and Mf got paid out for the car, I'm sure they'd send me the cheque - or knock it off my bill.

[neiljohnson]

EmmaJ said:

stuff.

With the amount of cars you own you may as well get a traders policy anyway!!
Fish cars must be on their trade policy to be taxed

[EmmaJ]

neiljohnson said:

EmmaJ said:

stuff.

With the amount of cars you own you may as well get a traders policy anyway!!
Fish cars must be on their trade policy to be taxed

I've only got 4 cars! It's purely the lack of parking that's stopping me having more however...

[ringram]

EmmaJ said:

I've only got 4 cars! It's purely the lack of parking that's stopping me having more however...

Amen to that. Id have 4 if the grief I was getting hadn't been so terrible. Had to drop down to 2 to go back up to 3!
I think Id have 10 by now if I had the space.

A friend in the US doesn't invest or save in anything he just buys cars. I think he has about 30!
At least 3 vipers, loads of Camaro's CTS-V, Mustangs etc.. Thats his retirement funding. All tax free.

Just sell a classic car when you need some cash Has something to be said for it.

[S800VXR]

ringram said:

EmmaJ said:

I've only got 4 cars! It's purely the lack of parking that's stopping me having more however...

Amen to that. Id have 4 if the grief I was getting hadn't been so terrible. Had to drop down to 2 to go back up to 3!
I think Id have 10 by now if I had the space.

A friend in the US doesn't invest or save in anything he just buys cars. I think he has about 30!
At least 3 vipers, loads of Camaro's CTS-V, Mustangs etc.. Thats his retirement funding. All tax free.

Just sell a classic car when you need some cash Has something to be said for it.

For once I think you a speaking sense... and I like that idea....

[MyM8V8]

ringram said:

Amen to that. Id have 4 if the grief I was getting hadn't been so terrible. Had to drop down to 2 to go back up to 3!
I think Id have 10 by now if I had the space.

A friend in the US doesn't invest or save in anything he just buys cars. I think he has about 30!
At least 3 vipers, loads of Camaro's CTS-V, Mustangs etc.. Thats his retirement funding. All tax free.

Just sell a classic car when you need some cash Has something to be said for it.

That Jesse is a nutter!

[skoff]

It never even occurred to me to use my drive other cars... I must go and check my policy wording.

I also just picked up a message from the Fish telling me I have been promoted to the BMW 323, no doubt the 'German fine' will be more than the 'Ford fine' if I let my insurance broker lose on the job.

Thanks all