This is a specific enquiry please only reply if you have experience!!!!
I want to add my son to my classic policy.
He is 18 coming on 19.
I am with RH Specialist division - they wont touch under 25s
I phoned Footman James they want £1250
Has anyone tried elsewhere?
I'm not looking for cheap insurance - just something reasonable with an 18/19 year old on the policy.
Roger
Insurance yet again
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RogerRust
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- Location: North Bedfordshire,
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Insurance yet again
This message board is like a family - you can't choose the other members!! But remember engine oil is thicker than water.
Roger - I tried and failed with my daughter some years ago on the 'classic' insurance route - and I too am with RH, although i did try some others. Only way to get her reasonably insured for her Mini was with CIS (Co-Op Insurance Service) - with me as the main driver. But Picky's deal sounds good - although wait till they hear about that super-charger!
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dalebrignall
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Im 19,passed my test in Feb and pay £343 for TPFT with Footman James,they do a scheme for young classic car drivers,but you are supposed to be a member of the appropriate club,which i am.
Ive insured three wheelers,a 2cv and now my Minor with them,and always less than £400,you might be better off just trying to insure your son.FJ were the only company to give anywhere near sensible quotes.
Ive insured three wheelers,a 2cv and now my Minor with them,and always less than £400,you might be better off just trying to insure your son.FJ were the only company to give anywhere near sensible quotes.
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UOGMoggie
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- Location: Anstey, Leicestershire
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Just as a word of caution, I would advise against any parents insuring a car as the main driver when in fact it is their son/daughter that will be the main driver. Obtaining a pecuniary advantage by deception is fraud and will invalidate any policy in the event of an investigation. Imagine how you would feel if you were an innocent party involved in an accident.
I know of someone (not me) who had an accident in their car (insured by the parent as the main driver), attempted to make a claim and following a thorough investigation by the insurance company the truth was uncovered. You may find that insurance will be refused in future following such an incident.
Standard terms and conditions state "It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy, throughout the life of your policy, and when you renew your insurance. Failure to disclose information pertaining to your insurance, or any inaccuracies in information given, could result in your insurance policy being invalid or cover not operating fully."
When I was younger I endured 2 years of paying £1200 per year on an 8 year old Rover GTi. Luckily I am now a company car driver and my insurance is paid for by my employer.
I would urge any young person reading this to play it by the book and drive sensibly to earn your "no-claims" bonus. Pass Plus and taking the Institute of Advanced Motorists test will provide a saving on insurance.
Sorry to sound boring, but my sister and her two young children were involved in an accident with an uninsured drunken driver running a red light, her new car was a write-off, she was injured and the case took years to resolve.
*steps down from soap box*
Happy motoring!
I know of someone (not me) who had an accident in their car (insured by the parent as the main driver), attempted to make a claim and following a thorough investigation by the insurance company the truth was uncovered. You may find that insurance will be refused in future following such an incident.
Standard terms and conditions state "It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy, throughout the life of your policy, and when you renew your insurance. Failure to disclose information pertaining to your insurance, or any inaccuracies in information given, could result in your insurance policy being invalid or cover not operating fully."
When I was younger I endured 2 years of paying £1200 per year on an 8 year old Rover GTi. Luckily I am now a company car driver and my insurance is paid for by my employer.
I would urge any young person reading this to play it by the book and drive sensibly to earn your "no-claims" bonus. Pass Plus and taking the Institute of Advanced Motorists test will provide a saving on insurance.
Sorry to sound boring, but my sister and her two young children were involved in an accident with an uninsured drunken driver running a red light, her new car was a write-off, she was injured and the case took years to resolve.
*steps down from soap box*
Happy motoring!
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paulhumphries
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Been there myself 
There is no such thing a "cheap" insurance for a young and inexperienced driver no matter whether they drive a Minor or a modern small car.
The fact that it's a classic car is virtually irrelevant as statistics show there is more change of younger / inexperienced driver having an accident no matter what they drive.
The risks to the insurer is the same and premiums should reflect that.
If you get a good quote ask yourself why when everybody else wants far more.
It's probably because the person who types the information into the computer didn't dot the I or cross the T properly and not because the company can genuinely offer far cheaper cover.
Personally I found -
Allow approx £1 per cc for policy and then there are deductions for occupation, area living, if garaged, Pass Plus etc.
On a 1984 Mini 1000 the best I could get for my son was approx £750.
Classic policies don't normally accue no claims bonus so any young driver is going to be back to square one in the future if they ever have a modern car.
Classic policies SOMETIMES require another INSURED main vehicle.
Classic policies SOMETIMES restrict useage in the small print i.e. pleasure only so to and from work not covered.
Adding a parent as named driver to childs policy actually reduces premium for some reason !
Paul Humphries
There is no such thing a "cheap" insurance for a young and inexperienced driver no matter whether they drive a Minor or a modern small car.
The fact that it's a classic car is virtually irrelevant as statistics show there is more change of younger / inexperienced driver having an accident no matter what they drive.
The risks to the insurer is the same and premiums should reflect that.
If you get a good quote ask yourself why when everybody else wants far more.
It's probably because the person who types the information into the computer didn't dot the I or cross the T properly and not because the company can genuinely offer far cheaper cover.
Personally I found -
Allow approx £1 per cc for policy and then there are deductions for occupation, area living, if garaged, Pass Plus etc.
On a 1984 Mini 1000 the best I could get for my son was approx £750.
Classic policies don't normally accue no claims bonus so any young driver is going to be back to square one in the future if they ever have a modern car.
Classic policies SOMETIMES require another INSURED main vehicle.
Classic policies SOMETIMES restrict useage in the small print i.e. pleasure only so to and from work not covered.
Adding a parent as named driver to childs policy actually reduces premium for some reason !
Paul Humphries
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RogerRust
- Minor Legend
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- Joined: Mon Oct 24, 2005 7:10 pm
- Location: North Bedfordshire,
- MMOC Member: No
We came to a bit of a stop
Aon will only insure young drivers in Morris 1000s not minis.
FJ never mentioned a Young drivers classic scheme - I'll give them another call.
I have found Brit on the web now so will give them a call
I'll let you know how we get on.
Aon will only insure young drivers in Morris 1000s not minis.
FJ never mentioned a Young drivers classic scheme - I'll give them another call.
I have found Brit on the web now so will give them a call
I'll let you know how we get on.
This message board is like a family - you can't choose the other members!! But remember engine oil is thicker than water.
Rog - daft as it may seem... what about insuring the motor 'any driver' could that be cheaper than named driver?
I've known people in the past who have bought traders policies as a cheaper option to a single car & driver package for age/ car ins group reasons. Wrong i know but it has happened.
One more daft thought - have you tried the NFU?
They are well used to insuring vintage, classics and oddities - not only that they insure a lot of youngsters for aggy vehicles. Might just be worth a try ?
I've known people in the past who have bought traders policies as a cheaper option to a single car & driver package for age/ car ins group reasons. Wrong i know but it has happened.
One more daft thought - have you tried the NFU?
They are well used to insuring vintage, classics and oddities - not only that they insure a lot of youngsters for aggy vehicles. Might just be worth a try ?
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