weekend banger - insurance question.
Discussion
Right PH, abuse time.
Recently, I've been looking at MX5's thinking I could get one cheap now, rag it about a bit, and if it ends up going to the scrappy, so be it. I've found a suitable shed (less than 800 quids worth), so it would be disposable (less than a set of tyres on a proper car). Armed with ditchfinders, it could be a good laugh.
Now, here's the spastic part. Insurance fully comp? 780 quid. On an 800 quid car (fully comp). So, I thinks - i only want TPFT / 3rd party only, if it was nicked, I'd not lose much sleep. Unfortunately, whilst tpft is 680, 3rd is 900 (???). I realise in advance that 3rd party only people must prang things more.
So, just as a laugh, I checked the comp prices if it was parked at my old man's gaff daily. 300 quid. Much more like it!
As you might guess - can I insure a car at the "wrong" address, then just not claim if it was pinched / killed at my place? Would that still be fraud? I'm currently at a loss otherwise how to justify a second weekend car, just to abuse it - I'd rather spend the difference insurance wise on upgrading the proper (still hairdressers) weekend job.
Recently, I've been looking at MX5's thinking I could get one cheap now, rag it about a bit, and if it ends up going to the scrappy, so be it. I've found a suitable shed (less than 800 quids worth), so it would be disposable (less than a set of tyres on a proper car). Armed with ditchfinders, it could be a good laugh.
Now, here's the spastic part. Insurance fully comp? 780 quid. On an 800 quid car (fully comp). So, I thinks - i only want TPFT / 3rd party only, if it was nicked, I'd not lose much sleep. Unfortunately, whilst tpft is 680, 3rd is 900 (???). I realise in advance that 3rd party only people must prang things more.
So, just as a laugh, I checked the comp prices if it was parked at my old man's gaff daily. 300 quid. Much more like it!
As you might guess - can I insure a car at the "wrong" address, then just not claim if it was pinched / killed at my place? Would that still be fraud? I'm currently at a loss otherwise how to justify a second weekend car, just to abuse it - I'd rather spend the difference insurance wise on upgrading the proper (still hairdressers) weekend job.
Some Gump said:
Right PH, abuse time.
Recently, I've been looking at MX5's thinking I could get one cheap now, rag it about a bit, and if it ends up going to the scrappy, so be it. I've found a suitable shed (less than 800 quids worth), so it would be disposable (less than a set of tyres on a proper car). Armed with ditchfinders, it could be a good laugh.
Now, here's the spastic part. Insurance fully comp? 780 quid. On an 800 quid car (fully comp). So, I thinks - i only want TPFT / 3rd party only, if it was nicked, I'd not lose much sleep. Unfortunately, whilst tpft is 680, 3rd is 900 (???). I realise in advance that 3rd party only people must prang things more.
So, just as a laugh, I checked the comp prices if it was parked at my old man's gaff daily. 300 quid. Much more like it!
As you might guess - can I insure a car at the "wrong" address, then just not claim if it was pinched / killed at my place? Would that still be fraud? I'm currently at a loss otherwise how to justify a second weekend car, just to abuse it - I'd rather spend the difference insurance wise on upgrading the proper (still hairdressers) weekend job.
Knowingly providing false information is certain an offense of some kind - I guess it is fraud. Certainly any claim wil be invalidated if they find out; not just theftRecently, I've been looking at MX5's thinking I could get one cheap now, rag it about a bit, and if it ends up going to the scrappy, so be it. I've found a suitable shed (less than 800 quids worth), so it would be disposable (less than a set of tyres on a proper car). Armed with ditchfinders, it could be a good laugh.
Now, here's the spastic part. Insurance fully comp? 780 quid. On an 800 quid car (fully comp). So, I thinks - i only want TPFT / 3rd party only, if it was nicked, I'd not lose much sleep. Unfortunately, whilst tpft is 680, 3rd is 900 (???). I realise in advance that 3rd party only people must prang things more.
So, just as a laugh, I checked the comp prices if it was parked at my old man's gaff daily. 300 quid. Much more like it!
As you might guess - can I insure a car at the "wrong" address, then just not claim if it was pinched / killed at my place? Would that still be fraud? I'm currently at a loss otherwise how to justify a second weekend car, just to abuse it - I'd rather spend the difference insurance wise on upgrading the proper (still hairdressers) weekend job.
try Adrian Flux for a classic policy
This lot do pay as you go car insurance on a month by month basis. It's a bit more expensive than normal but if it blows up after a month you're not out of pocket. You can have up to 3 cars on it at any time and I use it if I buy something for a laugh or to sell on.
http://quote.ecarinsurance.co.uk/PayAsYouGoMonthly...
http://quote.ecarinsurance.co.uk/PayAsYouGoMonthly...
Cheers Cort.
I'll have a word with flux tomorrow. They already insure the Boxster, so i can't see how it's any great risk to add an MX5 on third party oly - it's not like I can drive both at once. I do admit though - although I don't "drift" the box at 5mph on ungritted roads (for fear of chunking an alloy), I would in a Scrappy - spec MX5. Either way, a winter / spring of slghtly sideways fun isn't worth risking a fraud probelm ,so I guess insuring it elsewhere is out of the options box for now...
I'll have a word with flux tomorrow. They already insure the Boxster, so i can't see how it's any great risk to add an MX5 on third party oly - it's not like I can drive both at once. I do admit though - although I don't "drift" the box at 5mph on ungritted roads (for fear of chunking an alloy), I would in a Scrappy - spec MX5. Either way, a winter / spring of slghtly sideways fun isn't worth risking a fraud probelm ,so I guess insuring it elsewhere is out of the options box for now...
RudeDog said:
As for the morals about providing slightly inaccurate address information to your insurance company I will not comment but if you made a claim, I do not think you will have any problems with providing inaccurate information as they will never find out.
Unless you fit their demographic/profiling based on previous risk exposure for fronting / false details etc, in which case they will investigate...carreauchompeur said:
I have recently bought a £600 MX5, and wasn't prepared to pay £700-£800 to insure it.
Hence, mine is insured with Peter Best Insurance (Ecclesiastical policy) as a second car: Classic policy, limited miles: £170/year fully comp, including comprehensive breakdown cover. Job jobbed!
Ecclesiastical? Are you a man of the cloth?Hence, mine is insured with Peter Best Insurance (Ecclesiastical policy) as a second car: Classic policy, limited miles: £170/year fully comp, including comprehensive breakdown cover. Job jobbed!
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