Cheap Car Insurance

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Tim Leech
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Cheap Car Insurance

Post by Tim Leech »

Forgot to mention when I insured the DTR and the TZD, I rang round for quotes as per, I spoke to Footman James who said both times that I didnt need to set up a new seperate policy for as I could add them on to my existing agreement for the TZi as they were basically the same car, value and insurance bracket.

Cost: £20 admin fee. :D

Ive checked the paperwork, its correct and the level of cover is fully comp etc.

Makes running more than one BX a bit more affordable.

All we need now is the free road tax for cars over a certain age!.
Lots of Motors, mostly semi broken....

Defender110
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Post by Defender110 »

Wow, that sounds too good to be true, suppose all 3 cars were damaged / written off in one go (garage collapses or similar) would all 3 be insured?
Kevan
1997 Mercedes C230 W202
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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Tim Leech
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Post by Tim Leech »

Defender110 wrote:Wow, that sounds too good to be true, suppose all 3 cars were damaged / written off in one go (garage collapses or similar) would all 3 be insured?
Ever the eternal optimist Kevan! :wink:

Highly unlikely as they are all stored in seperate garages/driveway.

But in anser to your question, yes they would, its the same a fleet/trader policy in that respect.
Lots of Motors, mostly semi broken....

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Way2go
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Post by Way2go »

How much does this policy cost for you Tim?
Also how would you grade your geographical area for insurance cost, high, medium or low?
1991 BX19GTi Auto

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Tim Leech
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Post by Tim Leech »

Way2go wrote:How much does this policy cost for you Tim?
Also how would you grade your geographical area for insurance cost, high, medium or low?
£120 for the TZI, and about £105 for the GT. Excludes breakdown though. Limited mileage classic policy, etc etc.

I live in a quite "good" area when it comes to Insurance, small village, away from a big city, plus ive been driving for 20 years etc etc
Last edited by Tim Leech on Wed Aug 31, 2011 2:29 pm, edited 1 time in total.
Lots of Motors, mostly semi broken....

messerschmitt owner
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Post by messerschmitt owner »

my BX cost £50 extra to insure at renewal time - nine vehicles, one payment.
Citroen XM 2.1TD SX hatchback
Citroen XM 2.1TD VSX estate
Smart Roadster
Fiat Punto Cabriolet
Messerschmitt Kr200
Bond minicar mk C
Fiat 126 Bis
BX-less at the moment!

sdelasal
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Post by sdelasal »

Are these good rates because the car(s) in question are all 20+ years old? I think that is the threshold some insurance companies use before a car can be insured on a 'classic ' policy.

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Tim Leech
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Post by Tim Leech »

They are all on classic policies yes, although the TZD isnt 20 years old yet....albeit 19 years and 10 months!

The do recognise the BXC too so that will count in your favour when they ask if you are a member of a car club.

The best way to do it is to give them a call, but probably only going to be of some use to those lunatics that have more than one BX (or 5 like me :oops: )
Lots of Motors, mostly semi broken....

Dollywobbler
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Post by Dollywobbler »

FJ and others have long had classic fleet policies. All of my cars are currently on a classic policy with Peter D James. That's four cars, unlimited mileage, agreed value and about £150 when I took the policy out in December. There is no NCD build up though, which hits you hard if in a moment of weakness you decide you want a modern again! This is why none of my cars are younger than 21 years old...

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Post by Defender110 »

15 years old is the qualifying age for FJ Classic policy.

from FAQ
''How old does a vehicle have to be to qualify for classic insurance?
Normally 15 years, however this reduces for certain specialist marques.''

•The vehicle is over 15 years of age
•The vehicle must be garaged at night
•The vehicle is being used for social domestic and pleasure (including commuting) only
•The vehicle has not been modified from the manufacturer's standard specification
•The vehicle is not a grey or parallel import including US imports
•The vehicle is not valued at more than £50,000
•The vehicle is not a van, pickup, motorhome or any other commercial vehicle
•All drivers hold a Full UK driving licence and have done so for a minimum of 5 years
•No drivers have made any claims or had any accidents in the past 3 years
•All drivers must be aged between 25 and 74
•No driver has more than one fixed penalty speeding conviction
•UK post codes only (excluding Northern Ireland)
•The vehicle is owned and registered to yourself
•No driver is employed in any of the following occupations:
◦Entertainment, Radio or TV presenter
◦Celebrity
◦General Dealers
◦Courier or Delivery drivers
◦Debt collectors
◦Money lender
◦Professional Sports persons
◦Unemployed persons
Kevan
1997 Mercedes C230 W202
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
2020 Fiat Panda 4x4 Cross Twin Air.

Dollywobbler
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Post by Dollywobbler »

Yeah, one of the problems with FJ is despite that list, they're massively inconsistent. None of my cars are insured as garaged, and have never been. I never know which one will be in there, so they're down as 'driveway.'

They wouldn't insure my 21 year old Saab due to age, but they had no problems with my 20 year old BX TGD! I do have a claim in the last three years and they are also one of the few people who provide business cover!

I moved to Peter D James (the same James) because they have a strict 20 year policy and they're consistent with that. They don't provide business cover, but then it turns out I don't actually cover business mileage any more.

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Post by anaconda »

This is incredible. I pay FJ £200 for the BX (merseyside!!). I'll be ringing tomorrow to check on what they will do for me with a second BX Diesel.
1991 BX TGD Saloon
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Defender110
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Post by Defender110 »

Several cars on one policy with just a £20 admin fee; is this just the case if it is a single name policy, if there was a second driver (i.e. the wife)would it not apply as more than one car could be getting driven at the same time doubling the risk?
Kevan
1997 Mercedes C230 W202
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
2020 Fiat Panda 4x4 Cross Twin Air.

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Tim Leech
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Post by Tim Leech »

Defender110 wrote:Several cars on one policy with just a £20 admin fee; is this just the case if it is a single name policy, if there was a second driver (i.e. the wife)would it not apply as more than one car could be getting driven at the same time doubling the risk?
I have FOUR drivers on my policy, one of which is our Mr Chidlow! :lol:

As long as the drivers are a sensible age with a full UK licence then they normally dont charge anymore.

One of my cars is down as parked on the drive and they didnt charge anymore.
Lots of Motors, mostly semi broken....

Dollywobbler
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Post by Dollywobbler »

Yup. I've got my wife as a named driver, and added my mate Matt when we did the BXagon.

The reason for such cheapness? The vast majority of classics do barely any mileage at all. Very few folk (like me) do more than 1000 miles a year in classics. I however get the most out of my 'unlimited mileage' and in some years, even the 2CV has managed 15,000 miles.