Jump to content


Welcome to Autoshite

Welcome to Autoshite, like most online communities you must register to view or post in our community, but don't worry this is a simple free process that requires minimal information for you to signup. Be apart of Autoshite by signing in or creating an account.
  • Start new topics and reply to others
  • Subscribe to topics and forums to get automatic updates
  • Get your own profile and make new friends
  • Customize your experience here
Guest Message by DevFuse
 

Photo

Boring insurance question


  • Please log in to reply
10 replies to this topic

#1 OFFLINE   RustbucketP6

RustbucketP6

    Rank Austin Metro

  • Full Members
  • 24 posts
  • LocationSutton

Posted 29 January 2008 - 09:38 PM

Sorry to have to ask such a boring question, but some advice would be greatly appreciated. At the moment I only have two shite cars - a Ford Scorpio and a 1983 Mercedes W123. Both are insured with Elephant and I pay about 350 for the Ford and 300 for the Mercedes (both third party). Anyway, I have been offered a Peugeot 504 and I'm about to buy a van too (a Leyland Daf Pilot of course). My question is how do I insure them. I certainly don't want to pay another two lots of 300 quid. What do people do who have three or four vehicles on the road. Is there some sort of multi vehicle cover available and can anyone recommend a company. Thanks for your help.
Hungry? Unemployed? Eat your foreign car!

#2 OFFLINE   ashmicro

ashmicro

    Rank: Renault 16

  • Full Members
  • 3,836 posts
  • LocationIn the shed, with your sister.

Posted 29 January 2008 - 09:41 PM

Enquire about trader's insurance would be my advice. Some campanies are more accomodating than others.

#3 OFFLINE   r.welfare

r.welfare

    Lee 'Scratch' Perry

  • Full Members
  • 3,993 posts
  • LocationUP YOURS DELORS
  • Country : Country Flag

Posted 29 January 2008 - 10:45 PM

Or go for classic insurance on as many as possible if you can, as you don't need NCB for those policies. Problem is you don't earn any NCB either. I would think the W123 and 504 will easily qualify, the Scorp' might do too if it's not a 'frogface' version.Wuvvum, Torsten or Nigel Bickle will be the experts on trade cover but I would have thought you're looking at a yearly premium of (just over) four figures? Might be wrong though.

2003 Renault Espace IV 2.0 petrol - living up to its reputation...


#4 OFFLINE   Torsten2001

Torsten2001

    Rank: Renault 16

  • Full Members
  • 2,399 posts

Posted 30 January 2008 - 08:37 AM

£750 fully comp from Roadrunner, £5k limit, suits me sir!

#5 OFFLINE   Alpineandy

Alpineandy

    Rank: Austin Maxi

  • Full Members
  • 283 posts
  • LocationThe posher side of cockney town.

Posted 30 January 2008 - 09:38 AM

As Mr Welfare said!plus if anything left over then investigate a multicar policy (Admiral amongst others).
Fibreglass fetishist

#6 OFFLINE   Spottedlaurel

Spottedlaurel

    Rank: Renault 16

  • Full Members
  • 3,090 posts
  • LocationNorfolk

Posted 30 January 2008 - 10:46 AM

I get my classic policies for about £100 a go, they just want to know that you have something to use as a daily. 5000 miles p.a. fully comp and it includes business use. Think Mr_Bo11ox has something as new as his E-reg 323 insured with them.

1973 Datsun 1200 B110 2dr; 1980 Laurel 2.4 C230; 1988 Sunny 1.6 LX N13
1992 Camry 2.2GL project car (still on hold); 1993 Camry Estate 2.2GL (was daily driver, written-off and awaiting repair)
1996 Lexus LS400

And a couple of modern Toyotas.


#7 OFFLINE   r.welfare

r.welfare

    Lee 'Scratch' Perry

  • Full Members
  • 3,993 posts
  • LocationUP YOURS DELORS
  • Country : Country Flag

Posted 30 January 2008 - 11:38 AM

It's not necessarily age, but that will help - the type of car can often cause them to refuse cover. 1987 Vauxhall Senator - no problemo. 1987 Vauxhall Belmont - very, very difficult. So don't believe the classic eBay seller-type flannel about anything over 10yrs old being eligible.As SL says, £100 per classic policy is the benchmark, I paid £80 for a year's cover, 1500 mile limit, on a garaged Mk2 Granada 2.3 with Lancaster. Watch out though if you sell the car before the policy ends, those buggers charged me an "admin fee" which exceeded the remaining premium credit (which was 6 months!!!).Membership of owners' clubs can also bring discounts with the classic insurance boys.Torsten - that seems like a good price to me given how many cars you have! Did you have to 'prove' you were a trader?

2003 Renault Espace IV 2.0 petrol - living up to its reputation...


#8 OFFLINE   chester drawers

chester drawers

    Rank: BL Wedge

  • Full Members
  • 569 posts

Posted 30 January 2008 - 01:33 PM

It's not necessarily age, but that will help - the type of car can often cause them to refuse cover. 1987 Vauxhall Senator - no problemo. 1987 Vauxhall Belmont - very, very difficult. So don't believe the classic eBay seller-type flannel about anything over 10yrs old being eligible.

My 1986 Nova's been insured on a Firebond classic policy for quite a while now. Fully comp with agreed value and legal comes in at around £120. Footman James have recently muscled in however and it remains to be seen how flexible their definition of classic will be. Perhaps a shite category is called for :D

#9 OFFLINE   RustbucketP6

RustbucketP6

    Rank Austin Metro

  • Full Members
  • 24 posts
  • LocationSutton

Posted 30 January 2008 - 01:53 PM

Fantsastic. Thank you all very much.
Hungry? Unemployed? Eat your foreign car!

#10 OFFLINE   r.welfare

r.welfare

    Lee 'Scratch' Perry

  • Full Members
  • 3,993 posts
  • LocationUP YOURS DELORS
  • Country : Country Flag

Posted 30 January 2008 - 02:54 PM

My 1986 Nova's been insured on a Firebond classic policy for quite a while now. Fully comp with agreed value and legal comes in at around £120. Footman James have recently muscled in however and it remains to be seen how flexible their definition of classic will be. Perhaps a shite category is called for :D

Good work. I recall it being a right arseache to get the Belamonte covered in late 2005. My existing classic insurance provider, Norton, said they would cover it, then rang me to tell me they wouldn't - after I'd happily driven the car back from Brighton (wonder what would have happened if I'd pranged it?). In the end, my local A-Plan got cover with NU.

They did have a chuckle when I had to provide colour pictures for the agreed value - it was a fetching shade of metallic brown...

Posted Image

2003 Renault Espace IV 2.0 petrol - living up to its reputation...


#11 OFFLINE   Torsten2001

Torsten2001

    Rank: Renault 16

  • Full Members
  • 2,399 posts

Posted 30 January 2008 - 05:59 PM

Torsten - that seems like a good price to me given how many cars you have! Did you have to 'prove' you were a trader?

No, I don't have to prove a thing and I'm up to about 26 cars now




0 user(s) are reading this topic

0 members, 0 guests, 0 anonymous users