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Advice To Young Drivers Struggling With Insurance


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#16 Jim_Jam

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Posted 25 August 2009 - 07:01 PM

...em, I looked into footman James, along with many other classic specialist when looking to get my insurance (my mini is 20 y.o). When I rang footman James I was told after asking, (and it mentions online when searching for a quote, that for a policy to be valid, no1 driving the car can be under 25... :/ Have you sorted out some other type of policy with them? Or has this been overlooked and the policy purchased? ;/

#17 scsracing

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Posted 25 August 2009 - 07:07 PM

Looked one there website but look at there terms


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:

How can a young driver who has just passed get there insurance

#18 shorty

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Posted 25 August 2009 - 07:09 PM

by not going on the classic insurance.

however that means more of a cost in insurance, so in fact it doesnt help students at all this classic policy aha

#19 Figs122uk

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Posted 25 August 2009 - 07:10 PM

Posted Image

I remeber looking into this before now... :D

#20 Jim_Jam

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Posted 25 August 2009 - 07:10 PM

...even on non-classic insuarance, Footman James's policy's don't cover anyone under 25, thats how they keep their prices down, by cutting out the high risk bracket.

#21 skaterava

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Posted 25 August 2009 - 07:14 PM

bugger.

#22 Fire_monkey

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Posted 25 August 2009 - 07:15 PM

how old are you?

as pauly said before you can't have unlimted miles if your a young driver...so i guess it depends on age


i'm 17


Im 18... And do you get no calims discount Fire monkey?


no as it's a classic policy i only get that 'years clean' thing

#23 Figs122uk

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Posted 25 August 2009 - 07:16 PM

Im still gonna phone them & try my luck :D

#24 Fire_monkey

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Posted 25 August 2009 - 07:17 PM

Looked one there website but look at there terms


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:

How can a young driver who has just passed get there insurance


i belive (little unsure tho) that this is for getting quotes online, i got my policy by ringing them.

Edited by Fire_monkey, 25 August 2009 - 07:17 PM.


#25 shorty

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Posted 25 August 2009 - 07:19 PM

that is true FJ wont issue quotes online to anyone under 25 it would seem...anyone under that has to ring up for a quote.

or wait till a mini show that FJ are at and ask then there

#26 Jim_Jam

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Posted 25 August 2009 - 07:20 PM

make sure you make your age explicitly clear and check that your policy will be valid. I was told over the phone after asking, that I couldnt get any policy with them as Im not 25.

#27 Robbie

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Posted 25 August 2009 - 07:47 PM

Well, when I called them, I clearly stated my age and no problems appeared to arise with the quote so I guess it's quite confusing...

#28 mike.

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Posted 25 August 2009 - 07:51 PM

Those terms are for online quotes. If its just a standard car, with an experianced driver, the price isn't going to vary much; therefore they can give online quotes.

I've been insured with them since i was 17 with all my mods declared for just under 700.

The one thing they do require is a full liecence, they do not insure provisionals.

#29 Robbie

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Posted 25 August 2009 - 07:52 PM

Those terms are for online quotes. If its just a standard car, with an experianced driver, the price isn't going to vary much; therefore they can give online quotes.

I've been insured with them since i was 17 with all my mods declared for just under 700.

The one thing they do require is a full liecence, they do not insure provisionals.


That's what they told me :D

#30 jplonie

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Posted 25 August 2009 - 07:52 PM

I've been with FJ for 4 years now (Im 23) and they were the best option - £650 fully comp at 19 - now I only pay £330 fully comp.

The list of criteria above is only for internet quotes, there is a line underneath (or used to be) saying if you do not tick al the boxes give them a call.

With regards to them limiting your mileage, that is your choice, startng at a minmum of 1500 miles and going up in 1500 mile brackets up to 12000 miles but they do offer unlimited mileage also. I'd stay clear of only 1500 miles/year though as this costs more than 3000 miles in some casesas they see you not to be gainig much experince on the road.

Hope that helps.

J

Edit - spelling

Edited by jplonie, 25 August 2009 - 07:53 PM.





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