17 Year Old Insurance for MG Midget. HELP!!!!!!!!!!!!

[MichaelAndrews]

I need insurance for an MG Midget 1978. I have a quote from quick fit insurance for £3100 but i have to get it down to atleast £2500 to make it possible. My parents are pressuring me to get a new car,"more sensible" but i have learnt in this car, I love driving it, and am desperate to keep it once i pass. Does anyone know how i can get it down this last bit? Any ideas?

[MichaelAndrews]

Pixelpeep said:

limited mileage? tracker? classic car insurance? park it in a garage at night? dont use it for commuting? have 3rd party only? put parents on insurance?

I can't seem to get classic car insurance because of my age, i haven't tried putting tracker/alarm on so i might do that (doubt it will make £600 difference though). I've done everthing else though

[MichaelAndrews]

nicanary said:

Join the MGOC - everyone does it, just for the insurance. The OC are used to it and don't mind.

Lancaster Insurance, who run the MGOC insurance scheme won't insure anyone under 25

[MichaelAndrews]

Shaw Tarse said:

Have you tried, fully comp, not garaging it, using it for commuting? (sounds daft, but so is the way insurance is calculated!)

Yeah i have been playing around with it for ages, but nothing is making much of a difference and it is so time consuming.

[MichaelAndrews]

im trying a couple more insurance companies

[MichaelAndrews]

na said:

don't take what it's says on their websites, insurance brokers, insurance companies or even comparision sites

phone them and talk to them, don't text them, talk to them

the websites have conditions and filters that may not apply to all the policies they have to offer or it might even be that their websites are out of date (yes shocking I know)

if you're looking towards more mainstream companies and brokers then passing other driving test, motorway, advance driving may help now and/or later - once you've passed one test to get your full licence you're still a young male learning to drive that's why you are considered to be a high risk, you haven't yet proved that you're not, and as for still learning they will hold that against you (but I think you'll learn more and better in a classic than a modern

good choice of classic by the way, keep driving it regularly and fully servicing it regularly

Edited; as I misread you'd passed your test before

Edited by na on Thursday 27th September 17:23

I have rang most of these companies but unfortunately they only do over 21's. There are a few more that i'm looking at, at the moment, but i was also looking at getting a triumph spitfire and insuring it with peter james.

[MichaelAndrews]

na said:

MichaelAndrews said:

I have rang most of these companies but unfortunately they only do over 21's. There are a few more that i'm looking at, at the moment, but i was also looking at getting a triumph spitfire and insuring it with peter james.

I could give you a list of companies but it’s 5+ years old now so companies may have gone or merged

Keep trying and ask around as many people as possible as sometimes it’s little brokers or odd choices like NFU that can come up trumps

if you’re going for a Spitfire fine, the later ones have the same Triumph (1500) engine as the Midget 1500

as my last car was a Triumph and my present car is a MG I can tell you parts are slightly easier to get for a MG but not that much in it

if you think getting insurance is difficult wait until you try buying a good car and fully and properly servicing, maintaining and repairing it

or if you buy a bad car just keeping it going - many people don't suit classic car ownership including many past and current owners


see -

//j17 said:

How about this...

The TSSC (Triumph Sports Six Club) have a rule that anyone on their insurance panel must offer insurance to young members at a reasonable price.

ETA: er, also I've just thought you probably need to pass your test first, don't think of that as a done deal, many do fail

Edited by na on Wednesday 3rd October 01:28

I have already got the car and have been learning to drive in iy for the last 2 months

[MichaelAndrews]

Podie said:

I know someone who's daughter has run a Midget. Will point them at this thread...

please do i have to say i'm struggling with this at the moment

[MichaelAndrews]

na said:

I really hope Michael gets insurance as we need youngsters to own and use classics

I also hope Michael has gone into classic car ownership with his eyes open as his parents have a point, get it wrong and it can be a very expensive and unpleasant experience

get it right it can still be a bit expensive but so much more enjoyable than modern cars and he'll learn to drive better and sooner but it does require more effort and servicing than a modern

I think i have a good background to deal with the mechanical side of things. my dad used to buy and sell classics as a business, but it is more my mum that wants me to sell it. at the moment i only really have one more avenue to try, and that is to ask the tssc if they would insure me on a spitfire through there insurers. i know that two of there insurers won't but there is one that may do if i am a member of the club

[MichaelAndrews]

v8250 said:

michael, if you've yet to secure insurance at a sensible price try these guys

https://www.hertsinsurance.com/youngdrivers.php

as previously mentioned, do call them rather than using the online calculator. good luck.

i will try ringing them. i did an online quote which came to £7000!!!!!!!!!! but i am still to find a decent price and i have been trying for weeks now. when i bought the car i was eligible for some classic policies but they seem to have closed the loophole and normal quotes tend to be ridiculas

[MichaelAndrews]

//j17 said:

How about this...

1) The TSSC (Triumph Sports Six Club) have a rule that anyone on their insurance panel must offer insurance to young members at a reasonable price.
2) The TSSC doesn't just cover the Triumph models but also Triumph-based specials.
3) A '78 Midget should have the Triumph 1500cc engine I think.

So could you join the TSSC and insure the Midget through the club as a Triumph-based special?

i can't do the midget through this and two of the companies said no for a 1300 spitfire. im going to try the last on which is peter james

[MichaelAndrews]

Coco H said:

I am staggered. Absolutely at the cost of insurance for young drivers. I thought my impreza was expensive to insure. My Midget is cheap to insure. I may be middle aged but its less than half the cost of the diesel peugeot we have. Sorry I have no suggestions.

i have just had a quote for £1950 for my midget and £1500 for a spitfire fully comp so things are looking good.
peter james gave me the quote.