Insurance for a Beetle

Hi,

I have a Beetle and am trying to find someone to get it insured with, i have had stupid quotes of £900 and more, i am only 22, but classic car insurance is supposed to be cheap.

Anyone have any recomendations?

Thanks. Andrew.

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Reply to
A.S.
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Hello, Try HIC or Adrian Flux - both gave me fantatic quotes. Or get yourself a copy og Volksworld, and have a look in there.

Hope it helps, ant

Reply to
Ant

You need to speak to specialist classic insurers as opposed to Norwich Union and the like. Not all will deal with your age group but buy a copy of Practical Classics and start phoning round.

Reply to
Doug

In article , "A.S." writes: :Hi, : :I have a Beetle and am trying to find someone to get it insured with, i have :had stupid :quotes of £900 and more, i am only 22, but classic car insurance is supposed :to be :cheap. : :Anyone have any recomendations? : :Thanks. :Andrew.

I'm with Footman James myself. I've got their number down as 01215614196. At around 220 quid with unlimited mileage and "agreed value" for my Karmann Ghia convertible. When I used to have a Beetle I got "classic" insurance via a local insurance broker, but it was poor - agreed value, but limited to 5000 miles pa which I found _very_ limiting. And they were wanting c. 200 quid for the privilege. Then I got the KG and found Footman James via the KG Owners Club. When the Beetles insurance came up for renewal, I contacted Footman James on the off-chance & they simply added it to my KG cover for an additional 20 quid - can't knock that :) But then again I'm a bit older than 22 - double it :(

However, I haven't got a clue what they're like in the event of a claim......

HTH, Marlon

Reply to
Marlon Cole

Classic car insurance is only cheap because a classic is expected to be a cherished second car that does low mileage - not just an old banger. So most companies expect it to be not your only car, garaged, and subject to a fixed annual mileage rather lower than the average.

Reply to
Dave Plowman (News)

Many classic policies only cover over-25 year-olds. No insurance for youngsters is cheap, and you're really only covering damage to others and their property, as mostly it's only TPFT cover, even at £900. Among insurers there is undoubtedly an inflated premium to dissuade higher risk drivers from taking out insurance with them. The Co-op (CIS, Co-operative Insurance Society) seems amenable to younger drivers at the moment, but it probably wouldn't be a classic policy.

Are you a club member, with no previous 'form' such as points, prosecutions or accidents, and have held a driving licence for a few years? If so you should find someone to come up with a better quote than that.

Older drivers get insurance much cheaper, but there's got to be some compensation for getting old. ;-)

Reply to
Dave Hall

: So : most companies expect it to be not your only car, garaged, and subject to : a fixed annual mileage rather lower than the average.

I agree with the first and third points, but I have never had any trouble getting classic insurance for cars living on my driveway.

Ian

Reply to
Ian Johnston

Yup - should have made that 'off road'.

I was just making the point that it's not actually the car that makes classic insurance cheaper, but the use it's put to. A classic is equally as competent at running down a bus queue of millionaires...

Reply to
Dave Plowman (News)

Mine is a second car, but still through Footman James, my insurance for a Spitfire 1500, unlimited mileage, garaged, several performance tweaks including breakdown assistance is £135 which is superb.

A friend with an MGB roadster as his only car has a premium of £250 for unlimited mileage, parked in drive. Still not bad.

Reply to
Doug

: Mine is a second car, but still through Footman James, my insurance for a : Spitfire 1500, unlimited mileage, garaged, several performance tweaks : including breakdown assistance is £135 which is superb. : : A friend with an MGB roadster as his only car has a premium of £250 for : unlimited mileage, parked in drive. Still not bad.

I pay roughly a hundred quid a year for the 2CV and the Rebel, both on unlimited mileage classic policies, and about 340 for the DS which is covered for full business use.

Ian

Reply to
Ian Johnston

Footman james have been good to me My two cars (austin Cambridge A60 and Morrris Oxford VI) are my only cars liveing in the street in london (i am Nocking towards 30) I paid £180.00 back in jan for the A60 fully comp (5000mile) agreed value lets me driv other cars third party as well, I had the morris with someone else when that came in in june i phoned footman james they let me add the Morris for £47.00 in may to the A60`s poilcy this is now agreed value 5000mile i also added my father as named driver on both at the same time the only thing the poilcy has a £150.00 excess should the worse happen..

Insurance is always high under 25 as a 17 year (over 10years ago i paid £990.00 T.P.F.T) on my Cambridge when i was learning to drive on itit seams to go down after rapidly after 25 mine nearly halfed.

I must point that while Footman James have done me what i think is a great deal i have not had any claims with them (and dont want to!!) Nor have i had made a fault claim in the last 8 years on my insurance(and again I really dotn want to!) I have heard good reports when the worse happens with footman james.

I think the best thing to do is what i used to when i was your age i used to shop around ever year and know alot can be done on line so it dont cost so much, however dont always go for the cheapest one look at the poilcy and make sure it covers things how u want i rember getting a really good deal once come in in a quote but when i read carefuly it had a £400.00 excess so read the smal print on the quotes carefuly.

Good luck George

Reply to
George Weatherley

Don't understand this.

I voluntarily up the excess on my policies, as I know I'm _very_ unlikely to make a claim on them.

I'm not saying I'm not likely to have an accident, just that I know it's not worth making a claim on a car that's worth less than a couple of grand.

Reply to
SteveH

If you live with your parents it should work out considerably cheaper if your father (or mother) insures the car with you as a named driver. To be legally valid you would have to transfer ownership to him, then perhaps transfer it back when you're over

  1. Food for thought.

riccip

Reply to
riccip

Why would millionnaires be queueing for a bus? ;-)

Reply to
Chris Bolus

Amen, brother.

A few years ago, I considerably reduced my insurance premium on an NSX by upping the deductible from $250 to $1,000. When I totalled it (lift-off oversteer, oh bugger), they paid me $49,000 instead of $50,000. Big, fat, hairy deal.

I don't think that insurance companies work all that differently in the UK and US. When all is said and done, they are really just bookies.

Reply to
Dan Drake

Because they became millionaires by avoiding paying the congestion charge.

Reply to
Dave Plowman (News)

Yeah, The point i was trying to make is watch the small print and make sure it covers things how you want them to be, E.G able to drive other cars, agreed value E.T.C the reason why i turned down the £400.00 excess was because the car was worth about £300.000 at the time and elsewere gave me a better deal with lower excess, I understand what you say about not makeing a claim on a cheap car but if god forbid you hit some one up the ass or (and this is the worse!) you injur some one with the car you would have no choice but to claim, but by and large i see you point about loading up yhe excess for a cheaper Quote.

George

Reply to
George Weatherley

I don't think the CIS do a classic policy. At least, they didn't when I asked them 3 years ago.

But they are one of the enlightened companies who realise that the performance of a 1500cc that is 15-20 years old is not comparable with a modern 1500cc, so they have a reduced risk assessment for older cars.

I was with the CIS when I was younger and they were one of the best quotes, but when I reached one of the "magic age" points, other companies offered me better deals.

It would be worth giving them a ring - they don't seem to punish under 25s as much as many other companies.

Jim

Reply to
Jim Warren

No you don't

Reply to
Howard Rose

Howard Rose ( snipped-for-privacy@lycos.co.uk) gurgled happily, sounding much like they were saying :

Even if you did, in the event of a claim, the insurers could still sniff about, realise that you lied, and void your cover. At best you'd end up with IN10 on your licence and a big fine.

It's probably less likely on something like an old Beetle than a modern hot-hatch, but it's been done plenty of times.

Reply to
Adrian

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