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Got an insurance quote... (BEC, 20 yo)
james h - 9/3/09 at 07:23 PM

Hi all,

Got an online insurance quote from Adrian Flux:

MK Indy R1,
I'm 20 years old, been driving for 3 years next month. No claims.
Added my dad on to it as well as a named driver (not claimed since 1823)

Anybody want to guess if they quoted me? And if so, how much?

James

kev R1 - 9/3/09 at 07:24 PM

425?

tomgregory2000 - 9/3/09 at 07:25 PM

£1670?

kev R1 - 9/3/09 at 07:25 PM

mine was £175 at 25, got me thinking now!

daniel mason - 9/3/09 at 07:28 PM

mine was £240 at 26 yo

A1 - 9/3/09 at 07:28 PM

on the bad side of a grand?

AndyGT - 9/3/09 at 07:28 PM

Don't know how much your insurance would be but am impressed at your dads age!!! No accidents since 1823, did they even have roads back then?

slimtater - 9/3/09 at 07:29 PM

quote:
Originally posted by james h

Added my dad on to it as well as a named driver (not claimed since 1823)

Anybody want to guess if they quoted me? And if so, how much?

James


Perhaps wanted to run some searches on your dad who is at least 186 years old before quoting?

james h - 9/3/09 at 07:29 PM

I will post a hint:

3/4 months ago I was quoted at £1300 from MSM

James

(answer in 15 mins.... )

kev R1 - 9/3/09 at 07:29 PM

nice to see a 20yr old wanting an indy instead of a subaru!!!lol

james h - 9/3/09 at 07:30 PM

quote:
Originally posted by kev R1
nice to see a 20yr old wanting an indy instead of a subaru!!!lol


Haha, well I wouldn't mind either, but I'd like the faster, more impractical one more (when its finished!)

grazzledazzle - 9/3/09 at 07:32 PM

At the age of 19 i bought a westfield, my insurance with footman james was £350 a year based on 6000 miles.
It's more than that now for the ginetta or the tintop!

james h - 9/3/09 at 07:32 PM

quote:
Originally posted by slimtater
quote:
Originally posted by james h

Added my dad on to it as well as a named driver (not claimed since 1823)

Anybody want to guess if they quoted me? And if so, how much?

James


Perhaps wanted to run some searches on your dad who is at least 186 years old before quoting?



Good job he doesn't watch this forum

[Edited on 9/3/09 by james h]

omega0684 - 9/3/09 at 07:34 PM

insure it in your dads name and put you on as a named driver, will be much cheaper

james h - 9/3/09 at 07:36 PM

quote:
Originally posted by omega0684
insure it in your dads name and put you on as a named driver, will be much cheaper


Thats what I would like to do, but unfortunately it seems I can't do this until I am at least 25 with most insurance companies

AndyGT - 9/3/09 at 07:41 PM

I used to have a fleet policy insurance with footman james. I said I was a private collector and managed to get VERY cheap quote of 250 a year without having to declare modifications to the tin-tops. Might be an alternative route to take?

But I had to buy and sell/scrap 3 cars a year which was extremely easy and sometimes this paid for the insurance!! True locost fashion!!!

deezee - 9/3/09 at 07:41 PM

quote:
Originally posted by omega0684
insure it in your dads name and put you on as a named driver, will be much cheaper


I think its worth mentioning that if you insure your vehicle in a parents name and go down as a named driver, but your the primary user, its against most T&Cs.

Sure you might not get caught. But they'll cancel the policy if they find out. And if they find out cos your in an accident, you'll get nothing. Even if it wasn't your fault.

james h - 9/3/09 at 07:49 PM

The answer:

£750

Not bad at all I think! (3000 miles)
That was just with an online form, sure I can haggle a little more. Plus with the 15% Pistonheads discount, its easily less that the insurance for me on my dads car (BMW E36 316i)

What do you all think?

omega0684 - 9/3/09 at 07:53 PM

quote:

I think its worth mentioning that if you insure your vehicle in a parents name and go down as a named driver, but your the primary user, its against most T&Cs


true, but if you are only driving it once a week how can you say who is the primary driver if there ever was an accident

kev R1 - 9/3/09 at 08:00 PM

it quite a lot for sayin how often you will get to use the car! imoa

A1 - 9/3/09 at 08:13 PM

bloody hell! they wont touch me till im 21 or something
im on 1600 from msm for 6000miles a year

Danozeman - 9/3/09 at 08:22 PM

quote:

That was just with an online form, sure I can haggle a little more


Im sure if you ring up itl be less.

paul the 6th - 9/3/09 at 08:23 PM

god I remember my first years insurance on a 1.4 ford escort, £1800 quid!

now I'm 23 with 6 years no claims on a 2.0 mondeo tdci it's down to £300 quid a year fully comp with protected NCB's. The missus has just bought a 57 plate Fiesta Zetec-s turbo diesel and it's £235 quid a year for her (24 years old with 3 years ncb, parked on driveway in york)....

And the best thing about her insurance... it's only 30 quid more to add me as a second driver for the year it's a right rocket!

cloudy - 9/3/09 at 08:25 PM

Can someone explain how to get the 15% Pistonheads discount?

wicket - 9/3/09 at 08:36 PM

My 1st insurance was £9 6s 0d in old money TPFT at 19 !!!!!

Paul TigerB6 - 9/3/09 at 09:46 PM

quote:
Originally posted by wicket
My 1st insurance was £9 6s 0d in old money TPFT at 19 !!!!!


Model T Ford??

AndyW - 9/3/09 at 10:21 PM

£750 for 3000 miles... thats 25p per mile for insurance, just imagine what that would be for a normal policy and mileage say 20 thou a year.......

5k

james h - 9/3/09 at 10:22 PM

quote:
Originally posted by cloudy
Can someone explain how to get the 15% Pistonheads discount?


Linky

Might not be able to get it on these types of cars though....

greggors84 - 10/3/09 at 12:08 AM

quote:
Originally posted by AndyW
£750 for 3000 miles... thats 25p per mile for insurance, just imagine what that would be for a normal policy and mileage say 20 thou a year.......

5k


25p a mile seems like a bargain for all the fun you will have in it!

james h - 10/3/09 at 12:12 AM

quote:
Originally posted by greggors84
quote:
Originally posted by AndyW
£750 for 3000 miles... thats 25p per mile for insurance, just imagine what that would be for a normal policy and mileage say 20 thou a year.......

5k


25p a mile seems like a bargain for all the fun you will have in it!


Believe me, I will have some fun in it!