boy racer
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 posted on 6/10/02 at 03:37 PM |
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INSURANCE!!!
hi, i'm 18 and currently building a locost with a 1300gt engine (i know the insurance will be painfull)
in couple of years i would like to fit a 1300 bike engine.
has anyone else swapped a 1.3 for another 1.3, if so did it affect your insurance 
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Jon Ison
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| posted on 6/10/02 at 04:58 PM |
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you may get a shock, it won't be that dear....i pay £130 no no claims.....41 years old, Blade engine.......i would expect you to pay not much more
for your current build.. 
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johnston
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| posted on 6/10/02 at 05:35 PM |
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jon u seem to forget that under 25's get penalised
i'm dreadin mine couldnt get insurance for a 1.4 fiat terra van
and im gonna be payin 800 for a 1.3 golf mk2 with 3 yrs no claims at 23
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Jon Ison
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| posted on 6/10/02 at 05:39 PM |
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yeah, but its a locost........
there cheap, go out n try it........
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johnston
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| posted on 6/10/02 at 06:38 PM |
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k i'll trust u on this 1
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Findlay234
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| posted on 7/10/02 at 09:00 AM |
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its ok guys, i did my research and got a quote for a 1600cc toyota powered locost before i decided to build.many companies dont do under 24 years old,
but a few do. one of my quotes was £750. and im only 19!! you cant get insurance like that on a corsa, 1.1 litre, for that. i was amazed at how cheap
it is, and for you oldies who pay next to nothing, £750 is damn cheap.
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redeye
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 posted on 7/10/02 at 01:41 PM |
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same here im only 19
450 squid for a 1.8 pinto powered locost
not bad considering my 1.6 orion would be about a grand at only half the fun
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kingr
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| posted on 7/10/02 at 03:15 PM |
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I'm 19 and have been given a quote for £4-500 for basically anything below 1600 at any state of tune and including motorbike engines, 3rd party, a
value for the car of £3000, 3000 miles p/a and as a second car, with no ncb.
This compares to a best quote after a solid day of phoning up companies of £1800 for VW polo 16 valve (1.4, 100 BHP), fully comp, and 10000 miles.
Obviously perhaps not the fairest of comparisons, but given the number of insurance companies that either point blank turned me down or gave me daft
quotes (phone robot: "that's £4483 for a 10 month term, is that ok?" me: "hahahahaha"-click-) I strongly suspect that I simply wouldn't get a
quote for cars with more than 100bhp perhaps 125hp unless I was willing to blow £2500 or more.
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Findlay234
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| posted on 7/10/02 at 03:56 PM |
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my quote of £750 was with 5k limited mileage, 3rd party, nil ncb and having a claim already to my name.
my quote was with graham sykes, who were your quotes with redeye and kingr???
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Jon Ison
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| posted on 7/10/02 at 06:55 PM |
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there........
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johnston
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| posted on 7/10/02 at 07:29 PM |
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bloody heck how many people here under 25???
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steve faunch
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 posted on 7/10/02 at 07:40 PM |
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24 years old, 6 points,blade engine,£145 its a steal. Fastest thing ive ever driven too
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bob
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| posted on 7/10/02 at 09:30 PM |
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I'm nowhere near 25 either
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Macca
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| posted on 7/10/02 at 10:14 PM |
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I was once!
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locodude
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| posted on 7/10/02 at 10:35 PM |
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I notice Mr Faunch that you daren't put your picture up or the illusion of your so called age will be revealed. For all of you who don't know Steve,
he's the one in my and ChrisG's photo archive in the Le Mans pics usually with a baseball hat on back to front. Do you all think he's 24? thought
not!
Only joking Steve!
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Findlay234
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| posted on 8/10/02 at 07:47 AM |
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hey those guys who have given figures of their insurance can you give the insurers name so we can compare.cheers.
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bob
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| posted on 8/10/02 at 08:13 AM |
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Hey chrisW,how about a list of insurance companies in the links?
Or do we all have to go put and buy those shite kit-car mags.
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Findlay234
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| posted on 8/10/02 at 08:31 AM |
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yeah too right. those mags are s**t only 1 maybe two articles worth reading and the rest is classified ads.
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rallyslag
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| posted on 8/10/02 at 06:07 PM |
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so u mean being 19 and wanting to drop a 5.7L supercharged V8 into my locost might be a bad idea?
me thinks it will have to be a track only car till im able to pay the insurance with my pension
Old chinese proverb: "If a man speaks in a forest, and no woman hears him, is he still wrong?"
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stephen_gusterson
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| posted on 14/10/02 at 06:15 PM |
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i got an online quote for my 17 year old son, assuming hes passed his test, for a 1990 ford escort 1.4.
does 3,200 strike you as a bargain?
TPTF
best I got was 1400 tptf 500 xs for a 1990 1.1L fiesta.
Oh to be young again - like bollox!
atb
steve
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Highcost builder
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| posted on 21/10/02 at 05:19 PM |
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x flow 1600 £119 with footman james nncb
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Willie
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 posted on 21/10/02 at 10:44 PM |
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Guys, sorry to be barer of bad news...but I must remind you to look at your location. You people in the mainland don't tend to do as much wrecking
as we do, and no one really cares about us N.Ireland people...so they can use stuff our insurance away up and we'll have to pay. That's why so many
young bucks are tearing about in £199 a month 3yrs free insurance Corsas.
I've been trying for ages to even get a quote for me on my nearly finished Locost, with a 1300 Xflow as I knew insurance was going to be tough. So
far the nearest I've come to a quote is "HA HA...no chance son". I'm ever hopeful though...dunno what to do next, maybe just fly about without
insurance.
On the NI Se7ens (http://www.nise7ens.net) club site, under technical/insurance there are listed the insureres that cover NI. At the minute the
complete list isn't up, but it should be soon. Direct link is:
http://www.nise7ens.net/insurance.htm
The names of the insurers that cover NI are:
Aon McMillen
EA Davies (25+)
Laing & Co
Adrian Flux (19+)
Sureterm Direct
Graham Sykes (25+)
There you have it, you can get the search on google for the addresses yourselves as I'm nackered after a night of hard locost building.
By the way, I'm 17. And before anyone slabbers about young whippersnappers, my locost is bronze welded...no aul mig muck for me
Hope this helps.
Willie
p.s.Try getting a quote in parents names, I'm on a 1.1Renault 5 for £500 under ma's name
Willie
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Findlay234
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| posted on 22/10/02 at 08:39 AM |
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bronze welding isnt actually welding unless youre using bronze to make the chassis. its called brazing, its half way btween welding and soldering.
its not welding cause it doesnt fuse the pieces together just bonds them.
its nice to know theres other young scamps like me building a locost, but i dont have an probs with insurance.... yet.
cheers
fin
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Willie
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| posted on 22/10/02 at 05:17 PM |
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Brazing is when you heat the whole joint up and the bronze flows in by capilary attraction or whatever you call it. Must say, I tend to call bronze
welding brazing, but it should be called bronze welding. Caterham call it Bronze Welding too.
You don't need fusion to weld. The bronze welding is very strong. After someone reckoned my harness tube wasn't strong enough, and that the
"brazed" joint's weren't good enough I cut one end of the tube and put in a crow bar. I yanked as hard as I could 5ft from the weld...and I
couldn't get teh tube to bend never mind the joint to let go. I've also taken a sledge to wishbones, chassis tube (Not on the chassis at the time)
etc, and never once has the brazing given up.
Quite often with MIG welding and espically arc the first wee bit isn't too well penentrated...with bronze welding you can get it to flow right
through. I've welded bits then split them on the bandsaw to check.
So there you go...
heh heh...sorry about that, I'm used to people not liking brazing/bronze welding so I thought I'd just explain abit.
Willie
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Findlay234
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| posted on 23/10/02 at 09:12 AM |
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i know bronze is good, ive used a lot of it. i know its works well and is very strong but its still not the same as welding, as you say... by
capillary action. welding is the fusion of the two materials. thats why ali welding is so hard, the temperatures are high and its got to be done
quickly or it will oxidise not letting you join the two parts. you can bronze (braze) two different steels or steel to iron but youll find it
difficult to weld them.
ive also done silver soldering which is also strong and is done in the same way as bronze.
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