Desperate man seeks help

[Nick Brough]

Hi,

I have found the car of my dreams 90% complete and at a possible price of my dreams. The problem I have is that I will need to complete the build on my drive and cannot find any insurance company that will cover me for this.

Apparently since Jan insurance companies will now only insure a part built car for two weeks for it to be registered. They say they would have no problem insuring the car on my drive once completed and on the road, which I find a bit bizarre.

Has anyone got any solution to this problem, failing that, and clutching at straws, does anyone know of a lockup garage available in Warrington Cheshire for around 12 months.

Regards

Nick

[andy_quantum]

Greenlight should sort you out for that

I'll have a look through the back of a couple of mags and edit in a bit, I'm sure there's a company who only insure vehicles being built

[Nick Brough]

Hi Andy,

That would be great if they do, the problem I am having is most companies will do it but only if the car is garaged, it is quite a high spec / priced kit, so I can't risk it not being insured.

Thanks

Nick

[andy_quantum]

The one I was thinking of doesnt seem to be advertising in CKC at the moment.

But I'd imagine the usual suspects should be able to do something for you

MLM
Footman james
Greenlight
Osbornes
Flux

etc etc

I'd probably question your sanity too, if you're planning on doing a build on the drive!

[Foolish Dave]

Graham Sykes may be able to help too - just contact them direct after doing a Google search - they are based in the South West (Exeter I think).

How will you keep it dry?!?!

[Nick Brough]

Hi,

Thanks for the replies I tried Adrian Flux and Osbournes they could not do it. The car is 90% complete and painted so I was thinking of a pull over cover or outdoor carcoon. It only needs trim dashboard wiring and a few other odds and sods to finish but I don't think I am going to find anyone who is going to insure me.

This means reverting to plan B buying a new kit, buiding it in a shed in the back garden and lifting it over the house when finished.

But that route is going to cost twice as much as a lot of someone elses money has been spent already on the one I'm after.

Thanks

Nick

[Happy Jim]

So why not buy it, crane it into the back garden and stick a tent/wooden shed over it until you've finished it?

Surely the only extra cost then is the 1 additional days crane hire??

Jim

[andy_quantum]

Nick Brough said:

It only needs trim dashboard wiring and a few other odds and sods to finish

That sounds easy enough to sort out, I'd insure that on the 2 weeker and take a long weekend to be sure, then extend it out to a full policy from there depdnding on SVA etc

[Davi]

are there no lock up's near you? If it's only a small amount of work left needed you might be able to find a garage owner that'll let you store and work on it there for a few weeks?

[andy_quantum]

The local councils often do garage rents. Mine were talking about £100/year to rent one, but that depended on availability. Might be worth a chat with them.

Only reason I didnt or havent done that is the garages that were available were a couple of miles away. That might not be an issue in your case, as you obviously wont be driving it for a little while anyway

[Thevet]

andy_quantum said:

MLM
Footman james
Greenlight
Osbornes
Flux

etc etc

Don't touch Adrian Flux, they did me absolutely no favours after a tree flattened my garage and car [maybe should have left it on the drive!]. Try Hagerty's, as they seem to have enthusiasts on the phone, but you may have to insure the car as a finished item wherever you go.

[M400 NBL]

Hope it works out and you get the car of your dreams. As suggested, ask someone of you can borrow their garage for a short while. If I had a garage and you liced locally i'd happily let you use it...which suggests a friend surely would.

And let us know which kit it is

[Jack_and_MLE]

What's need to be finish?
Can it be classified as finish even for you it is not?

Have you thought about asking insurance what they classified as a finish kit or partila built?

Maybe this kit will be classified as finish

Jack

[Nick Brough]

Hi all,

Thanks for all your encouragement and advice it has certainly given me a few more options to think about if a similar situation arrives again. I really do appreciate all your efforts on my behalf, however events have taken an unexpected turn in the wrong direction in that the car I was after which was virtually complete, is no longer for sale, so near and yet so far, it was obviously not meant to be.

I’ll go back to saving for an RCR GT40 replica, which puts me years back but at least I will be able to build it in a shed in the back garden, and then crane it out over the house once built, (but please don’t tell my wife).

Regards

Nick

[Jubal]

Nick Brough said:

I’ll go back to saving for an RCR GT40 replica, which puts me years back but at least I will be able to build it in a shed in the back garden, and then crane it out over the house once built, (but please don’t tell my wife).

Won't she spot it for herself? The shed in the garden would be a bit of a giveaway no?

[Chris71]

Bare in mind if the worst comes to the worst, you don't have to insure a car that's not being driven. Possibly stating the obvious, but if you live in a nice area it might be relevant.....

[Nick Brough]

Jubal said:

Nick Brough said:

I’ll go back to saving for an RCR GT40 replica, which puts me years back but at least I will be able to build it in a shed in the back garden, and then crane it out over the house once built, (but please don’t tell my wife).

Won't she spot it for herself? The shed in the garden would be a bit of a giveaway no?

Not to difficult it went like this “well dear I know the base takes up ½ the garden and looks a bit big but I had to make it larger than an 8*8ft shed as they said I had to allow for roof overhang”.

It’s not my fault that I can’t measure properly and they erected a 16 * 20ft garage by mistake instead of an 8*8ft shed!!!!.

Regards

Nick

[Davi]

Good luck with the RCR, spent a good amount of time gawping over it at Stoneleigh. It's always been one of those cars I'd imagined I'd end up with eventually.... right up until I sat in it.

Love the looks of it. Obviously it was never going to fit like a baggy suit on a midget, but feck me are those things claustrophobic!!