Discussion
I know this topic has been done to death in the past, but I have just had a very worring experience and need some guidance/advice.
I am nearing the point of writing a cheque for my dream Griffith so I thought I would get a general (ball park)insurance quote before I have a specific car in mind.
The Griff will be my second car and as such will do a relativly low mileage (around 5k a year)
So I thumbed through Sprint and phoned Heritage Classic and was told they did not deal with cars less than 10 years old (I am looking for a 1997/8) but they put me through to a different dept who gave me a quote but said that because it was a new policy for a second car it would not have any 'No Claims Bonus'.
So; aged 52 years of age, full licence for 30 yrs, no convictions or points, 1 claim (small)in last 5 yrs, car garaged over night fully comprehensive
Annual Premium payable:- £2,100
Have I asked for the wrong type of insurance cover?
Paul
I am nearing the point of writing a cheque for my dream Griffith so I thought I would get a general (ball park)insurance quote before I have a specific car in mind.
The Griff will be my second car and as such will do a relativly low mileage (around 5k a year)
So I thumbed through Sprint and phoned Heritage Classic and was told they did not deal with cars less than 10 years old (I am looking for a 1997/8) but they put me through to a different dept who gave me a quote but said that because it was a new policy for a second car it would not have any 'No Claims Bonus'.
So; aged 52 years of age, full licence for 30 yrs, no convictions or points, 1 claim (small)in last 5 yrs, car garaged over night fully comprehensive
Annual Premium payable:- £2,100
Have I asked for the wrong type of insurance cover?
Paul
Go through all of the insurance companies in Sprint as they will offer widely different quotes, some based on your specific TVR driving experience in TVRs.
Also, given your age (not being rude) try the established players like Tescos and Direct Line. I found for my renewal last year that for the first time they gave me excellent (well better, I'm still paying £1300!) quotes than the TVR specialists, just because I'd turned 30.
Also, given your age (not being rude) try the established players like Tescos and Direct Line. I found for my renewal last year that for the first time they gave me excellent (well better, I'm still paying £1300!) quotes than the TVR specialists, just because I'd turned 30.
, they're also in Sprint. They insured the V8S at 8 years old as a 'future classic' on the same terms 
. 
Much extracting of the wee-wee going on by insurance companies, by the sound of it.
My Chim costs just over £300/year, fully comp, 3000 miles limited from Mannings. I'm nearly the same age as Dutchone. And they did ask about RWD cars, but 13 years of Cossie ownership seemed to satisfy them.
My Chim costs just over £300/year, fully comp, 3000 miles limited from Mannings. I'm nearly the same age as Dutchone. And they did ask about RWD cars, but 13 years of Cossie ownership seemed to satisfy them.
Mr.t said:
A couple of guys have touched on this, but just be aware, with "any" second car you may well not be able to use your existing NCB, and you may need to start from scratch. One option could be to use your NCB on the Tiv, and start from scratch on the other car, may be cheaper ?
It's always worth asking if the company insuring your second car can give you an introductory discount if you have a full NCB on your main car!
Alex
Mr.t said:
One option could be to use your NCB on the Tiv, and start from scratch on the other car, may be cheaper ?
I have done what MrT suggests in the past. Now have earned full NCD on 2 cars, so I don't have to anymore. You may lose out a bit if you have to cancel other insurance mid term though. Full NCD is usually 65% discount. 35% of £2100 = £735, which is about what I pay for my '97 5.0 Chimaera.
A recent claim adds 10-25%, but you should still be getting well below £1000 for limited mileage cover.
Tesco are my benchmark for quotes. If I can get close to a Tesco quote, but for a policy with track day cover, then I'm happy. This year Liverpool Victoria were £110 more than Tesco, but include any track day and allow some mods at no extra cost (brakes in my case).
Allowing second use of no claims is against code of practice. Mannings didn't let me do this and so I paid extra for my second car when I was previously insured with them. They actually hassled me to get my NCD certificate from my old insurer quite regularly. Now, nearly a year after I switched insurer, I am still waiting for Mannings to send on my certificate. Luckily, LV are more patient.
Heritage did allow me to use my NCD on my other car because they (like many classic car insurers) will give individual quotes based on a specific risk assessment. Although I see you had a problem here because of the cars age. They gave me a competitive quote for my '97 5.0 Chim a couple of years ago. Must have changed their policy since then.
groucho said:I beleive so, first year of TVR ownership they wouldn't touch me, at renewal they weren't the cheapest, then when I got the Cerbera they didn't consider my V6 S to be sufficiently powerful RWD practice
Am I right in thinking Mannings won't touch you if you haven't been driving powerful rear wheel drive cars for more than a year. Dutchone probably alright though with his M3.
Can't remember where I heard that.
AlexB said:
£2100 
I agree. That does seem extortionate given your age (sorry no offence meant) along with the other favourable points you listed. Try Direct Line. I've found them to be the most competitive to date and you don't need to specify annual mileage under 10K.
Just for brief comparison purposes, I don't pay more than £500 pa and I'm a long way off celebrating my 50th birthday! But that doesn't include track day cover and your Griff will probably be worth more than my Chim, etc etc.
Thanks all for your input, it has calmed me down a bit.
The later concensus suggests Mannings are only interested if experienced with high bhp rwd and my BMW probably wont be acceptable on the bhp front
If I cannot get any introductory ncb I might look into transferring my existing BMW full ncb to the Griff and start fresh insurance on the BMW.
Many thanks again chaps, most helpful.
Paul
The later concensus suggests Mannings are only interested if experienced with high bhp rwd and my BMW probably wont be acceptable on the bhp front
If I cannot get any introductory ncb I might look into transferring my existing BMW full ncb to the Griff and start fresh insurance on the BMW.
Many thanks again chaps, most helpful.
Paul
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