GIVING UP A MODERN CAR
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GIVING UP A MODERN CAR
i'am think of giving up my modern car... and just use my
tax exempt landy and minor(when i get it sorted)
mates have told me i would lose my n.c.d on my
insurance? which is full,
i know that classic insurance dont have ncd....
your thoughts please
tax exempt landy and minor(when i get it sorted)
mates have told me i would lose my n.c.d on my
insurance? which is full,
i know that classic insurance dont have ncd....
your thoughts please
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- Minor Legend
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Re: GIVING UP A MODERN CAR
My wife had a company car that was insured by the company she work for after building up a full no claims bonus. She had this company car for four years, before they took it back and discontinued having company cars.
Re-insuring her newly purchased car did mean she lost her no claims and had to start again. Fortunately as she hadn't claimed inbetween, they gave her a quote based on her "claims history".
I'm thinking if the rules are still the same, provided you don't make a claim, your insurance (even with zero no claims) wouldn't hit the roof if you went back to a modern.
Re-insuring her newly purchased car did mean she lost her no claims and had to start again. Fortunately as she hadn't claimed inbetween, they gave her a quote based on her "claims history".
I'm thinking if the rules are still the same, provided you don't make a claim, your insurance (even with zero no claims) wouldn't hit the roof if you went back to a modern.
My Minor:
A Clarendon Grey 1953 4 Door Series II.
MMOC - 66535
A Clarendon Grey 1953 4 Door Series II.
MMOC - 66535
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- Minor Legend
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Re: GIVING UP A MODERN CAR
Insure your moggie under a non classic policy,is one way to keep your ncd,there may be others
Cheers Alex
all thoughts are given in good faith but..." You pays your money and takes your choice"
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all thoughts are given in good faith but..." You pays your money and takes your choice"
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Re: GIVING UP A MODERN CAR
lambrettalad wrote:Insure your moggie under a non classic policy,is one way to keep your ncd,there may be others
never thought of that...
will see what the quotes come back like
Re: GIVING UP A MODERN CAR
did a couple of online quotes.....
i was shocked at the prices... nearly as much
as my bmw m3
they must be trying it on
i was shocked at the prices... nearly as much
as my bmw m3
they must be trying it on
Re: GIVING UP A MODERN CAR
Why would you want to go back though?
I'm running a 1964 Traveller as my only vehicle now.
(I did also move house to eliminate my commute though!).
Phil.
I'm running a 1964 Traveller as my only vehicle now.
(I did also move house to eliminate my commute though!).
Phil.
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Re: GIVING UP A MODERN CAR
Back in my mid 20's I lost 6 years NCD when I changed ove to run just my Minor via a classic policy.
Apparently, NCD will last 2 years - therefore consider the option of leaving only 1 yr 11 months gap in between.
You probably don't need a full year's 'normal' insurance either... just make sure you get a new NCD statement when the policy expires / is terminated.
Apparently, NCD will last 2 years - therefore consider the option of leaving only 1 yr 11 months gap in between.
You probably don't need a full year's 'normal' insurance either... just make sure you get a new NCD statement when the policy expires / is terminated.
Ray. MMOC#47368. Forum moderator.
Jan 06: The Minor SII Africa adventure: http://www.minor-detour.com
Oct 06: back from Dresden with my Trabant 601 Kombi
Jan 07: back from a month thru North Africa (via Timbuktu) in a S3 Landy
June 07 - back from Zwickau Trabi Treffen
Aug 07 & Aug 08 - back from the Lands End to Orkney in 71 pickup
Sept 2010 - finally gave up breaking down in a SII Landy...
where to break down next?
2013... managed to seize my 1275 just by driving it round the block
Jan 06: The Minor SII Africa adventure: http://www.minor-detour.com
Oct 06: back from Dresden with my Trabant 601 Kombi
Jan 07: back from a month thru North Africa (via Timbuktu) in a S3 Landy
June 07 - back from Zwickau Trabi Treffen
Aug 07 & Aug 08 - back from the Lands End to Orkney in 71 pickup
Sept 2010 - finally gave up breaking down in a SII Landy...
where to break down next?
2013... managed to seize my 1275 just by driving it round the block
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- Minor Legend
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Re: GIVING UP A MODERN CAR
Ask your insurer if they will store your NCB - you can't use it on a classic policy but they keep it 'ticking over'. This is what mine have done.
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- Minor Legend
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Re: GIVING UP A MODERN CAR
Phyllis was my first car and when I bought a modern for daily use, I explained the situation to my new insurers who happily gave me the 4/5 years NC after my insurers (AON, now FJ) wrote a note to them explaining my claims history.
Happy Minoring!
Phyllis ~ 1962 Morris Minor 4 Door Deluxe
Black coachwork with Red Duo-Tone Upholstery
Phyllis ~ 1962 Morris Minor 4 Door Deluxe
Black coachwork with Red Duo-Tone Upholstery
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Re: GIVING UP A MODERN CAR
We've been running classics as our only car for a few years now, not really too worried about the ncd as if we ever need something a bit more modern a lot of classic car insurers count 15 years old as classic on some models
Philip, Lynda and the cars.
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Re: GIVING UP A MODERN CAR
Depends if you ever want to go back to modern motoring.
I have been using a Minor everyday since 2005 and I have lost my no claims, but I thought about it and I don't want a modern car.
If I ever NEED one as a tow car, etc then I use the wife's Mondeo (I'm a named driver on her policy), so for me I have lost my NCD and it's really not a problem.
I have been using a Minor everyday since 2005 and I have lost my no claims, but I thought about it and I don't want a modern car.
If I ever NEED one as a tow car, etc then I use the wife's Mondeo (I'm a named driver on her policy), so for me I have lost my NCD and it's really not a problem.
Re: GIVING UP A MODERN CAR
We're all different but it would be hard to deny the comfort and effortless motoring a 'modern' car can provide, especially on long haul. So maybe it's down to how you use a car.
Re: GIVING UP A MODERN CAR
Recently been reading a trade auto magazine (free monthly at trade counters) - full of horror stories about what can go wrong with a 'modern' - and how expensive it can be to put it right - with multiple 'special tools' and measurement devices needed......and always renew the X, Y and Z while doing this job.... And then there's the Dual Mass Flywheel........ which they somehow claim makes a huge improvement to the fuel economy........ It's all certainly food for thought! Minors are so easy to repair - and parts are extremely low cost compared to anything for a modern. The mag is also full of tips on how to maximise income......which I find slightly worrying. Oh and don't dare refer to a fan belt anymore -since no modern cars have belt driven fans - it's now the FEAD - Front End Auxiliary Drive........ and full of silly adverts about 'FEAD'ing and so on...........
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- Minor Legend
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Re: GIVING UP A MODERN CAR
Indeed they do. I was quite surprised to be able to insure my Renault 5 and Land Rover Defender on my classic car policypskipper wrote:We've been running classics as our only car for a few years now, not really too worried about the ncd as if we ever need something a bit more modern a lot of classic car insurers count 15 years old as classic on some models
cheers
Iain
Fairmile Restorations.
'49 MM, '53 convertible, '55 van, and a '64 van.
Marina p.u., '56 Morris Isis Traveller, a '59 Morris JB van, a'66 J4 van, a '54 Land Rover, Land Rover 130, Renault 5, '36Railton, '35 Hudson, a Mk1 Transit and a Sherpa Camper...
A car can be restored at any time, but is only original once!
Iain
Fairmile Restorations.
'49 MM, '53 convertible, '55 van, and a '64 van.
Marina p.u., '56 Morris Isis Traveller, a '59 Morris JB van, a'66 J4 van, a '54 Land Rover, Land Rover 130, Renault 5, '36Railton, '35 Hudson, a Mk1 Transit and a Sherpa Camper...
A car can be restored at any time, but is only original once!
Re: GIVING UP A MODERN CAR
Hmm I'm about to find out how this will work - I'm just in the process of changing our 270000 mile 20 year old Merc diesel for a 'modern' with dual mass flywheel so have already got a conversion kit to turn the dual mass to normal solid flywheel, eliminated a useless eco device that causes no end of problems (with no measurable eco benefit) and some software and a special lead so I can get into the ECU and see what's going on.
Even where I don't do the work myself, if the garage knows I've already poked about with the OBDII lead they will be less likely to pretend the fault is a £1000 one.
I'm hoping it's just a case of learning the foibles and getting a sense of how it all goes together. Hopefully like dwell angle. Intimidating at first but simple once you get a 360 degree protractor and a spare bulb and bit of wire.
Even where I don't do the work myself, if the garage knows I've already poked about with the OBDII lead they will be less likely to pretend the fault is a £1000 one.
I'm hoping it's just a case of learning the foibles and getting a sense of how it all goes together. Hopefully like dwell angle. Intimidating at first but simple once you get a 360 degree protractor and a spare bulb and bit of wire.