18 replies to this topic

[Remylebleu]

Right, im 23 just past my test (this month) bit late i know but i was rather content with the way my life was until i had a drive in my mates mini and decided i had to have one, 4 months later i passed my test and own a mini. Now i just need insurance.....

I own an austin 998 city

Companys people mention are

Footman james
Peter james
Adrian flux
Aviva
Is there any others worth trying, is so who?

If you would or wouldnt recomend any of the above companies could you explain why? As "i wouldnt touch Flux with a barge pole" doesnt really give me an idea of whats so bad about the company. When others say there good

I got a qoute with fj 820, fully comp 6000 miles, alloy wheels, parked in garage, named driver with no other drivers on insurance but the say they only do policies which you pay in 3 installments ie 160 up front and 220 for the next 3months....is this normal as no one seemed to mention it in any of the MANY posts ive read?

Any help or recomendations would be greatly appreciated

Ps. Would like my own insurance in my name, all mods, no lying....thanks

[mikey72]

I can only speak for FJ,
less than £500 tpf&t for my daughter, age 17, her policy, 6000 miles, but unlimited was about £100 more, (to change later if she gets close) with me as a parent on there as a named driver, but they have suppposed to have gone up a bit recently.
No hassle, paid in one go.
Adrian Flux wouldn't quote, the other two were over £1500.

Edited by mikey72, 10 January 2011 - 09:58 PM.

[maggies_minder]

im with flux direct a sister company of adrian flux, they beat both footman james and adrian flux for me.

just to add, im 22 with all my mods declared even down to my halogen headlights and including my stage 1 kit im 22 and fully comp was just over £600,
thats with an agree'd value and im covered on other cars and i build up real no claims (rare on a classic policy).

Edited by maggies_minder, 10 January 2011 - 09:59 PM.

[Remylebleu]

So i would get two diff qoutes if i phoned a.flux and flux direct?

[maggies_minder]

yea but when i told adrian flux my best quote was from flux direct they wouldnt better it, they'd only better one from footman james.

[mikey72]

im with flux direct a sister company of adrian flux, they beat both footman james and adrian flux for me.

just to add, im 22 with all my mods declared even down to my halogen headlights and including my stage 1 kit im 22 and fully comp was just over £600,
thats with an agree'd value and im covered on other cars and i build up real no claims (rare on a classic policy).

Do you know if the third party driving extension goes down to 17 year olds? That would be very useful, I've never seen any go below 25 before.

Just had a look on their website, can I ask who the insurer is on the policy?

Edited by mikey72, 10 January 2011 - 10:03 PM.

[Bungle]

cheap quotes is one thing it when you put a claim in you really find out what they are like

[maggies_minder]

when i spoke to FJ they said you had to be 25 to be covered on other vehicles, i dont have a works van or another car so its very rare i make use of it.
when i spoke to Flux they said i would be fine, i got them to send me this in writing.

its highly unlikely to the point where i say no chance of a 17 year old getting covered 3rd party,

it would be a case of "yeah my 17YO sons got a 998 mini thats his only car, (ive got a evo VIII on the drive that i wont mention though)"

[maggies_minder]

cheap quotes is one thing it when you put a clame in you really find out what they are like

like i said ive got an agreed value with everything declared, im not using any underhand tactics to get a cheaper quote, i've got the kind of out look of "all the buggers get away with it knowing my luck id get collared".

[mikey72]

when i spoke to FJ they said you had to be 25 to be covered on other vehicles, i dont have a works van or another car so its very rare i make use of it.
when i spoke to Flux they said i would be fine, i got them to send me this in writing.

its highly unlikely to the point where i say no chance of a 17 year old getting covered 3rd party,

it would be a case of "yeah my 17YO sons got a 998 mini thats his only car, (ive got a evo VIII on the drive that i wont mention though)"

After 17 years of running her around, she can drive me back from the pub occasionally. Squeezing the family into the mini isn't quite as good as her driving my car back though.

[Remylebleu]

Aslong as i told the truth to every last detail them surely there shouldnt be a problem? I told fj i had alloys and then started with the rest and they just said they would put me in the " has lots of mods category "

Best bet is to get qoutes and then phone them back and see who will beat the qoutes?

Im not in the position to pay up front as i had "issues" with credit cards haha

Wages under court supeener (however you spell it) so im on a budget

Anything around the 800/900 mark and 12 monthly payments is fine

Can you pay monthly with flux?

[Turbo van]

First time I've used a forum so hope this works ive just set up my insurance had a bit of a ring around tried my usual company A plan they wanted£290 then my mate told me to try fj I could have kissed him came out fully comp third party on other cars agreed valuation all mods free recovery European cover on a mini van £134 car is garaged and I am 30 good look and have some fun

Matt

[Remylebleu]

Flux d want over 2000 hmmm me thinks not

Peter james (dragons den?) want 437....agreed value, all mods declared, full comp....seems way to good to be true....should i be dubious of this?

[maggies_minder]

Flux d want over 2000 hmmm me thinks not

Peter james (dragons den?) want 437....agreed value, all mods declared, full comp....seems way to good to be true....should i be dubious of this?

i think you mean peter jones mate

[mikey72]

Flux d want over 2000 hmmm me thinks not

Peter james (dragons den?) want 437....agreed value, all mods declared, full comp....seems way to good to be true....should i be dubious of this?

Sounds reasonable for a classic policy. Go for it.