Talking B____X

Tell us about life with your BX, or indeed life in general!
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Philip Chidlow
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Post by Philip Chidlow » Mon Apr 04, 2011 12:42 pm

Just got the insurance renewal on both cars in. £907 for both BXs. Ha ha.

As expected it was higher than what I can find by shopping around, so I phone them (Admiral) to see if they'd 'price match', effectively.

Well, no. And what's more prices generally are MUCH higher than they were last year. GTi Auto valued at £600, 5,000 miles p.a. the best I could get with half reasonable credit rates (I pay per month - and less than £650 excess!) ... £326 (500 excess - NCB protection, windscreen, fully comp). Which is nearly £90 higher than last time.

The TXD on the other hand is coming in at £280 - and that's with higher annual mileage and a 250 excess.

Methinks now's the time to switch to TPF&T for the GTi maybe? Or phone Footman James/Adrian Flux?
• 1992 Citroen BX TZD Turbo Hurricane
• Xsara Picasso 1.6 16v
• COMING SOON... 1998 Citroen Xantia 2.0 16v auto Exclusive

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docchevron
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Post by docchevron » Mon Apr 04, 2011 12:48 pm

I find TPFT is oftentimes higer than fully comp now, no idea why.
But yeah, insurance has gone up rather a lot in the last year, and will be again I fear..
Smokes lots, because enough's enough already!

Far too many BX's, a bus, an ambulance a few trucks, not enough time and never enough cash...

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Philip Chidlow
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Post by Philip Chidlow » Mon Apr 04, 2011 1:16 pm

In this instance it looks like the TPFT option for the GTi is the way forward: A saving of over £140 against the Fully Comp. I'll still keep the TXD as a fully comp policy as that's manageable - and what's more it's the car that will get the most use.
• 1992 Citroen BX TZD Turbo Hurricane
• Xsara Picasso 1.6 16v
• COMING SOON... 1998 Citroen Xantia 2.0 16v auto Exclusive

Defender110
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Post by Defender110 » Mon Apr 04, 2011 1:22 pm

docchevron wrote:I find TPFT is oftentimes higer than fully comp now, no idea why.
Yes I've found that too?
Kevan
1987 Citroen BX MK1 diesel estate.(Currently in dry storage)
1997 Mercedes C230 W202 - daily driver.
2010 BMW X1 SE 2.0D Auto - Her indoors daily driver.
2003 Land Rover Discovery Series 2 Facelift TD5 - Daily driver / hobby days and camping.
1993 Land Rover Discovery 200tdi Series 1 3 door - in need of TLC

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MULLEY
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Post by MULLEY » Mon Apr 04, 2011 8:07 pm

Insurance has risen :x Mine went up by £75 & i had another years no claims to make it 8 in total, absolute rubbish, so i told them i wont be renewing. Contacted work & with staff discounts etc worked out miles cheaper, so for a tad over £15p/m fully comp with excess of £250 for a 12k policy its not too bad, the whole price increase really makes me mad. Why arent the fuxxers that have accidents having their premiums rise expedentially to make them either give up driving or to make sure they don't have an accident? We'll see if the latest sorn or insured mllarckey makes one iota's difference to peoples premiums....
2002 C5 2.0 HDI Estate - Remapped - It goes better
2011 Mini Cooper D Clubman - it does over 60mpg
1992 TZD Turbo - SORN - slowly getting there
1991 Gti 16V - Blaze is back on the road since 2008
1990 Gti 8Valve SOLD - looks like it's been scrapped
2002 Mini Cooper S - SOLD - i miss this car
1992 TXD - Scrapped in March 2014

I'm not just a username, i'm also called Matthew.

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mat_fenwick
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Post by mat_fenwick » Mon Apr 04, 2011 9:03 pm

It's the paltry fines for driving without insurance that mean it's often cheaper to drive without and pay the fine IF caught. If the fine was (say) 5 times the annual premium it may make people think twice!
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1993 1.9 TZD Turbo Estate
2006 Renault Kangoo
1996 3.9 V8 Discovery
1993 VW LT35 campervan
1985 Hyundai Stellar V8
2004 MINI Cooper (hers)

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Philip Chidlow
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Post by Philip Chidlow » Mon Apr 04, 2011 9:09 pm

I asked further questions:

I have been penalised for being the victim of no fault accidents even though I never claimed against my insurance - although I did notify them. It's all down to 'driving history'. The first incident where my BX was damaged by a guy who skidded into it, and I wasn't in the car at the time. I got all his details and so on, and in the end his insurers paid me. Second time I was hit by a driver who failed to stop. Again, I obtained the insurance details eventually and they paid me. I notified my insurers 'for the record'.

I honestly will think twice in future about informing my insurers if I don't need to invlove them. The trouble is, if they found out, I'd face probelms should I need to claim...

Insurance. Shorthand for 'fuck you every which way'.
• 1992 Citroen BX TZD Turbo Hurricane
• Xsara Picasso 1.6 16v
• COMING SOON... 1998 Citroen Xantia 2.0 16v auto Exclusive

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Dollywobbler
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Post by Dollywobbler » Mon Apr 04, 2011 9:13 pm

Get the GTi on classic insurance. It's 20 years old now. No reason why it should cost you more than £170 a year I would have thought. Doubt they'd cover the TXD yet though - I did manage to get The Green Tiger on classic cover though. Depends how nicely you ask perhaps...

Downside to classic insurance, as I've discovered recently, is that there's no going back. Over two years since I had a 'modern' policy, so I've no NCD AND an accident claim (wasn't driving, but it was my policy) and quotes seem to range from horrific to scandalous.

Oh well. Old shite it is for me then!

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citsncycles
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Post by citsncycles » Mon Apr 04, 2011 10:42 pm

I honestly will think twice in future about informing my insurers if I don't need to invlove them. The trouble is, if they found out, I'd face probelms should I need to claim...
Years ago, my brother's van got broken into. As it only cost him about £30 to fix with bits from the scrappy, that's what he did. A couple of weeks later, the insurance rep called to ask why he hadn't told them about the break in (they'd found because my brother had reported it to the Police & the isurance company had access to the database used). He said that he'd just warn him this time but that they were in their rights to cancel his insurance & put him on a database of people who have broken their insurance terms :shock: :evil:
Mike Sims
BX 19RD Estate Mk1 - Timex!
BX 4X4 Estate - Oh god, I've done it again!
BX 17RD MK1 - it called to me!
BX14 TGE, - SOLD
XM Turbo SD,GS Club Estate,Visa 17D Leader,HY Pickup,Dyane Nomad,Dyane 6,2CV AZL,Falcon S,Trabant P50,3x Land Rovers (88" series 1,109" series 2a FFR,series 2a Marshall ambulance),DKW F7, Lambretta LD150 x 1.5,Mobylette SP93,Ural Cossack,Ural M63,CZ 250 Sport,Honda Varadero 125,lots of bicycles & tricycles including (but not only) Sunbeams,Higgins & Bates!

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Philip Chidlow
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Post by Philip Chidlow » Mon Apr 04, 2011 10:59 pm

Tried Footman James for starters, but because the car's not garaged overnight, no dice. Tim suggested Lancaster. I'll try them...
• 1992 Citroen BX TZD Turbo Hurricane
• Xsara Picasso 1.6 16v
• COMING SOON... 1998 Citroen Xantia 2.0 16v auto Exclusive

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Philip Chidlow
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Post by Philip Chidlow » Mon Apr 04, 2011 11:04 pm

JUST REALISED:

I'm left-handed and had Kid no 1 in '93 so I've got a personalised number plate! :lol:

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• 1992 Citroen BX TZD Turbo Hurricane
• Xsara Picasso 1.6 16v
• COMING SOON... 1998 Citroen Xantia 2.0 16v auto Exclusive

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Philip Chidlow
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Post by Philip Chidlow » Mon Apr 04, 2011 11:10 pm

On another topic: Music. I often wish I had learned guitar...

One of my absolute favourites.

http://www.youtube.com/watch?v=hhccIfev ... re=related
• 1992 Citroen BX TZD Turbo Hurricane
• Xsara Picasso 1.6 16v
• COMING SOON... 1998 Citroen Xantia 2.0 16v auto Exclusive

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Dollywobbler
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Post by Dollywobbler » Tue Apr 05, 2011 9:50 am

Philip Chidlow wrote:Tried Footman James for starters, but because the car's not garaged overnight, no dice. Tim suggested Lancaster. I'll try them...
Eh? That's odd. None of my cars have ever been insured as garaged, only private driveway. Maybe it's a postcode thing. Where I am at the moment is the lowest category apparently!

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Philip Chidlow
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Post by Philip Chidlow » Tue Apr 05, 2011 9:58 am

"The vehicle:
• Is over 15yrs of age (Quotes available for younger vehicles please ring the number below for a quotation).
• Has not been modified from the manufacturer's standard specification.
• Is not a grey or parallel import including US imports.
• Is not valued at more than £50,000.
• Is not a Van, pickup, motor home or other commercial vehicle.
• Must be garaged at night.
• Your maximum annual mileage will not exceed 6000 mpa (please ring us for higher options that may be available)

No more than four named drivers to be included on policy

No-one who will drive the vehicle on this insurance:
• Is under 25 years of age.
• Has a notifiable condition that has not been notified to DVLA.
• Has a conviction for non-motoring offences that has not been rehabilitated under the Rehabilitation of Offenders Act.
• Has been refused insurance or had special terms imposed.
• Holds a provisional or non UK driving licence.
• Holds a full UK licence less than 5 years.

Please note cover is not available for residents in Northern Ireland."
• 1992 Citroen BX TZD Turbo Hurricane
• Xsara Picasso 1.6 16v
• COMING SOON... 1998 Citroen Xantia 2.0 16v auto Exclusive

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Philip Chidlow
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Post by Philip Chidlow » Tue Apr 05, 2011 11:29 am

Now we have a chance of some good weather I must make my way down to Kermit - and the GS...

Image

8)

Inspiration:

Image
• 1992 Citroen BX TZD Turbo Hurricane
• Xsara Picasso 1.6 16v
• COMING SOON... 1998 Citroen Xantia 2.0 16v auto Exclusive