fool in a porsche
Discussion
my brothers car broke down on saturday, so after diagnosing its the alternator he calls out the AA and gets a tow home.
he gets talking to the recovery truck driver who tells him the story of the last guy he picked up, which is:
a young guy of my brothers age (24) who bought himself a £42,000 Porsche Carrera, so thats a few years old i presume... but the only insurance he could afford was TPFT
so this guy drives it out the showroom, takes it down the motorway, spins it, and buries it in the armco...
totalled according to the AA man, the front end is at a right-angle to the passenger compartment. so for the sake of a few hundred quid this guy has done himself out of £42,000 worth of car. what a twat.
so my brother asks me to find an insurance quote for a Porsche 911 Carrera as he is interested why this guy couldn't afford fully comp.,
so i put in a 2002 model Carrera 2 worth £42k to begin cover on his 25th birthday (in 3 weeks) and the quote comes back as £1516.20
thats less than a modified vauxhall cavalier ffs!!!
he gets talking to the recovery truck driver who tells him the story of the last guy he picked up, which is:
a young guy of my brothers age (24) who bought himself a £42,000 Porsche Carrera, so thats a few years old i presume... but the only insurance he could afford was TPFT
so this guy drives it out the showroom, takes it down the motorway, spins it, and buries it in the armco...
totalled according to the AA man, the front end is at a right-angle to the passenger compartment. so for the sake of a few hundred quid this guy has done himself out of £42,000 worth of car. what a twat.
so my brother asks me to find an insurance quote for a Porsche 911 Carrera as he is interested why this guy couldn't afford fully comp.,
so i put in a 2002 model Carrera 2 worth £42k to begin cover on his 25th birthday (in 3 weeks) and the quote comes back as £1516.20
thats less than a modified vauxhall cavalier ffs!!!
The value makes a difference to the quote...I had my previous 911 worth £25k insured for £730...My current 2002 Carrera was £60k as an insurance value..The policy doubled,same driving history etc....
I think the difference between £42k & current value will affect the quote....
if you do come upon any of these 02 at this price I will certainly pay £43k for a few leaving you with a profit to blow on expensive insurance.
I think the difference between £42k & current value will affect the quote....
if you do come upon any of these 02 at this price I will certainly pay £43k for a few leaving you with a profit to blow on expensive insurance.
This does ring a rather unhappy bell...
When I was 18 and stupid (slightly more than now) I used damn near all my hard saved pennies to buy a rather nice MG convertible running a V8 (engine transplant from a hardtop v8 IIRC).
The insurance was staggering, and as I had already spent damn near everything on the car, then the best I could manage was TPFT.
Fast forward 3 days, when the car is wrapped around a signpost...
There arent enough swearwords in the english language to cover how I felt at the time.
It happens, but there is a world of difference between £3.5K and £42 grand.
When I was 18 and stupid (slightly more than now) I used damn near all my hard saved pennies to buy a rather nice MG convertible running a V8 (engine transplant from a hardtop v8 IIRC).
The insurance was staggering, and as I had already spent damn near everything on the car, then the best I could manage was TPFT.
Fast forward 3 days, when the car is wrapped around a signpost...
There arent enough swearwords in the english language to cover how I felt at the time.
It happens, but there is a world of difference between £3.5K and £42 grand.
Sounds made up to me, what else do AA men have to do all day than to make storys up to impress motorist.
And anyway, why was the AA at the scene of an accident? Did this guy just tell him all about his life or something while he was waiting for the porsche garage to come and pick the car up?
Hmm,
And anyway, why was the AA at the scene of an accident? Did this guy just tell him all about his life or something while he was waiting for the porsche garage to come and pick the car up?
Hmm,
I think bosshog is correct. Over 8k and it has to be fully comp, IIRC.
However, the ones who I feel a bit sorry for are those guys in the news section yesterday, who defrosted their cars in Manchester only to find them nicked.
Because the keys were in the ignition, the insurers are refusing to pay out... so Derestrictor had better take care... 65k 911 Turbo and so close to Manchester! That said, it is a bit silly to leave the car out of sight when it's defrosting.
However, the ones who I feel a bit sorry for are those guys in the news section yesterday, who defrosted their cars in Manchester only to find them nicked.
Because the keys were in the ignition, the insurers are refusing to pay out... so Derestrictor had better take care... 65k 911 Turbo and so close to Manchester! That said, it is a bit silly to leave the car out of sight when it's defrosting.
domster said: I think bosshog is correct. Over 8k and it has to be fully comp, IIRC.
However, the ones who I feel a bit sorry for are those guys in the news section yesterday, who defrosted their cars in Manchester only to find them nicked.
Because the keys were in the ignition, the insurers are refusing to pay out... so Derestrictor had better take care... 65k 911 Turbo and so close to Manchester! That said, it is a bit silly to leave the car out of sight when it's defrosting.
Fear not, kind Sir; the porquine one has a unique immobiliser associated with Tory Party membership. A special portal next to the standard immobiliser requires your micro-chipped party card to be inserted before a gear can be engaged.
So unless some of the more scurrilous fellows amongst the ranks fancy a fling with the pig, it is remarkably effective against any form of socialist conspiracy.
Now, where are those tablets?
Who do you think was going to remove the car from the scene? It could have been the Porsche dealer but if he couldn't afford fully comp insurance do you think he could have afforded to pay Porsche recovery prices? Also, if he was an AA member they do it for free.
gtir said:
And anyway, why was the AA at the scene of an accident? Did this guy just tell him all about his life or something while he was waiting for the porsche garage to come and pick the car up?
as far as i know the story was not made up, though it could have been a bored AA mans fantasy...
i also was a little confused to how he could insure a porsche only TPFT!!!
the main point i was trying to make though was direct line would insure my brother on a porsche carrera for less money than a specialist insurance company (like footman james etc...) would on a cavalier with a fast road cam and a bit of head work.
i also was a little confused to how he could insure a porsche only TPFT!!!
the main point i was trying to make though was direct line would insure my brother on a porsche carrera for less money than a specialist insurance company (like footman james etc...) would on a cavalier with a fast road cam and a bit of head work.
Well they recovered my motorbike for free when I was knocked off it 6/7 years ago. They might have changed policy now but I don't think so.
TheLemming said: Slightly O/T but are you sure the AA recover vehicles involved in accidents for free?
I also seem to recall charges for recovery on a motorway...
The motorway recovery charges are if you are not a member of someone like the AA. You are not allowed to tow your mate (not sure the exact law but must be recognised recovery firm or Police). I think the standard recovery fee is about £70 (maybe more it's a while since I needed to know) to get you off the motorway.
littlegearl said: the main point i was trying to make though was direct line would insure my brother on a porsche carrera for less money than a specialist insurance company (like footman james etc...) would on a cavalier with a fast road cam and a bit of head work.
Well the difference is if you go to a specialist you will get things like a like for like replacement (or similar), your car will go to an authorised bodyshop for the Marque and they will be paid accordingly.
When my Lotus was hit (insured through Direct Line) I was talking to my friend about the repair cost of my vehicle etc and he said that the amount they got paid to fix it DID NOT cover the actual time of repair that it requires for a specialisist vehicle like mine. eg he got the same time alocated to fix the back of a Lotus Elise as he would for a Ford Escort. Problem is they a Pro body shop specialising the Marque will qive a quote that covers everything to their satisfaction a Direct Line body shop will only list the parts that need to be replaced then one of their assessors at head office will go through the Thatcham books etc and price it.
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