Insurance killed off dreams of getting back into a 75

[75c]

Originally Posted by 75driver

Insurance for my daily 75 was cheaper parked on the drive than it was garaged.🤔
Hard to get your head around!


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Not really.

They think a garaged car is more likely to be damaged going in and out of the garage than it is to be damaged sitting on the drive.

[Mike Trident]

It's the Bradford post code for sure!
I recently moved from a WF to a BD, insurance doubled.

Classic insurance wouldn't be any good for me, I enjoy driving it too much and end up doing 8 or 9k a year in it.

I did look into classic insurance for it last year and was told you need to have full NCB to be eligible anyway. Unfortunately I don't, never claimed in my life but I was a named driver on my wife's insurance for a while and ended up loosing my NCB, even though I was insured on my motorbikes. Basically, any excuse to screw you over.

[RoverP480]

I used Classicline when I bought an additional Rover 45 & had no NCB to use . I already have my P6 with them on a classic policy. Gave me an introductory NCB and is on 8K miles per annum www.classiclineinsurance

[steve-45]

Originally Posted by 75c

Not really.

They think a garaged car is more likely to be damaged going in and out of the garage than it is to be damaged sitting on the drive.

Strange, my Saab 93 classic policy states that it must be kept overnight, if at home address, in a brick built garage.

I get the impression that they make the rules up as they go along !

[selwol]

Originally Posted by 75driver

Insurance for my daily 75 was cheaper parked on the drive than it was garaged.��
Hard to get your head around!


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when insuring it seems to drop the price if you say £zero to voluntary excess...

[Richard3275]

Hello Rob, I have fully comp insurance with Sainsbury's , I am 76, ncb of 12 years , annual millage 8,000 , £341. the car 75 connoisseur cdti 96, 55 plate . This is my only car .

I hope this helps you think again .
Martyn , Richard3275

[RobSun]

Originally Posted by swifty62

hi rob, don't give up until you have contacted Pete best classic insurance, talk to Stephen best,and quote the HISCOX scheme,i insured my 2003 C.D.T.I 2.0 ZT on the first of feb, for £185,fully comp, but their is a few restrictions, including,giving up your N.C.B.restricted milage of 1500 miles a year and being a member of a MG Rover club, giving your membership details, it works for me,as it is my second car, but that obviously wouldn't suit everyone, hope that helps, regards Ian.

It was Peter Best I was talking to. They told me that if it was a ZT there would be know problems getting classic cover. The MG brand is accepted but for some daft reason that they cannot explain Rovers aren't. Consensus is that the MG badge is more of an enthusiast brand where Rover at this age is an old banger with someone trying to cut down costs.

Should have kept my ZTT when I got the Volvo, then this probably wouldn't be happening.

[Dallas]

I've just had to insure our 3 cars only last week, it was cheaper for me to insure each car individually rather than using a multicar policy, also cheaper to set voluntary to zero.

I used Hastings for the ZT190 using my NCB and limited 3,000 miles which came in at £185. I then used Adrian Flux on a classic limited mileage policy which again was set to 3,000 miles at just £150. I could have easily have set the mileage lower, I doubt we will do no more than 1,500 in a year on the two cars anyway.

Flux were the cheapest by far for the TF, other quotations were coming in at £230, but Flux were the most expensive on the ZT which was coming in at £450 Hastings was by far the cheapest at £185.

The TF's policy I had to use zero NCB, but Flux simply mirrored my NCB from the ZT, you just need to upload proof on the Flux portal along with agreeing to the limited mileage declaration.

Not many providers will mirror your NCB for a second car, plus having a separate policy rather than a multicar allows you to earn NCB on each of those policies.

I found using the Confused.com comparison site brought in the lowest quotations, plus if you go through the Quidco cashback site you can earn £30 cash back for each policy, making my ZT policy just £155 and the TF £120.

[RobSun]

Originally Posted by Richard3275

Hello Rob, I have fully comp insurance with Sainsbury's , I am 76, ncb of 12 years , annual millage 8,000 , £341. the car 75 connoisseur cdti 96, 55 plate . This is my only car .

I hope this helps you think again .
Martyn , Richard3275

In this case its not my only car, I have a Volvo and a Triumph Dolomite which is on a classic policy. The problem is getting a 75 insured at a realistic price. So far it ranges from mirrored NCB at the lowest price of £638.00 or not able to get NCB discount at £1800 cheapest. If I wanted to insure it as my main driver I'm sure it would be in the mid £300s. Son suggested sell the Volvo but having a large dog too carry about I do not want to put her in the back on unmarked leather. This 75 has a very low mileage and is mint.

Feel quite flat about it now and really gone off the boil, I was going to look further into it today, maybe a fleet policy, more companies etc, but got up this morning and all the motivations gone.

I was holding out for a launch car and as these are now 20yrs old should be no probs. with a classic policy. I had been given first dibs on one but now the owner wants to hang on to it so started widening the field.

[RobSun]

Originally Posted by Dallas

I've just had to insure our 3 cars only last week, it was cheaper for me to insure each car individually rather than using a multicar policy, also cheaper to set voluntary to zero.

I used Hastings for the ZT190 using my NCB and limited 3,000 miles which came in at £185. I then used Adrian Flux on a classic limited mileage policy which again was 3,000 miles at just £150. I could have easily have set the mileage lower, I doubt we will do no more than 1,500 in a year on the two cars anyway.

Flux were the cheapest by far for the TF, other quotations were coming in at £230, but Flux were the most expensive on the ZT which was coming in at £450 Hastings was by far the cheapest at £185.

The TF's policy I had to use zero NCB, but Flux simply mirrored my NCB from the ZT, you just need to upload proof on the Flux portal along with agreeing to the limited mileage declaration.

Not many providers will mirror your NCB for a second car, plus having a separate policy rather than a multicar allows you to earn NCB on each of those policies.

I found using the Confused.com comparison site brought in the lowest quotations, plus if you go through the Quidco cashback site you can earn £30 cash back for each policy, making my ZT policy just £150 and the TF £115.

I'm assuming from your details that Flux are covering a 75 and TF. Your example is what I expected from Flux. My Volvo is with Tesco, the best quote and cover I could find, and the Dolomite is on a classic policy with Flux. They have said they cannot give a classic quote for the 75 as its a 2002 its not old enough but offered the Mirrored quote which is too high. May be worth looking the other way round but their quote for the Volvo with full NCB was a ridicules £750.00 on the Volvo, even after them pushing to want to quote for it.