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Insurance for younger riders

Joeharris

New Forum Website User
Non-VOC Member
Hi,

I am 19 and looking for insurance for my Comet for the next 2 months. Unfortunately not many classic insurance companies want to insure me and the cheapest premium I have is £90 per month which seems too steep.

Any advice anyone?

Kind Regards,

Joe
 

mr.hutch

Well Known and Active Forum Website User
VOC Member
Hi,

I am 19 and looking for insurance for my Comet for the next 2 months. Unfortunately not many classic insurance companies want to insure me and the cheapest premium I have is £90 per month which seems too steep.

Any advice anyone?

Kind Regards,

Joe

Just out of interest Joe, who are you getting quotes from? as it may be useful to know.

mr.hutch :)
 

champion

Well Known and Active Forum Website User
VOC Member
Hello, hello, this post seems mighty familiar, I am 20, and this time last year I had the same problem, where about are you based?

Fancy a Vincent Rally for the under 25s? :D


I looked at Carrol Nash (£600), Footman James (refused), Bennetts (£750), norwich union and Devitt (Refused).

For Fixed millage under 1000 miles.

I went with Norwich Union in the end at £350 TPFF. It would have been cheaper but i chose to pay monthly rather than for the whole year, I cancled it after 2 months. Meaning I only paid around £150 to ride for the summer(after cancelation fees). I worked it out at approx 4 rides that works out at around £75 a trip plus petrol... So ask your self how much you want to ride a Vin?

Do I regret it? Hell no! would do it again this year if I hadn't spent all my money on bike parts (This time for a V tiwn.)! Riding at our age you will be really well recieved by any classic bikers.

I have since spoken to Footman james face to face, at a classic car show (race Retro) and was told, If I join the V.M.C.C and my bike is older than 15 years, I get comprehensive cover at unlimited millage no matter what my age for 12 months at £350.)

Also I told them my bike was locked with an Oxford lock and chain.

Here is my Link:

http://www.vincentownersclub.co.uk/forum/showthread.php?t=987&highlight=insurance

Please feel free to send me a Personal message if you want a chat.

Alex

NB: It always makes me smile when you phone carrol nash for classic bike cover, as they are "experts" and the first 3 questions they ask me for my 1930s bike are 1)Is it standard? (They dont like modified bikes) 2) does it have an alarm, emobaliser or tracker? 3) Is it Turbo/twin turbo charged?
I mean I know Vincents were ahead of there time and all but its a bit optimistic....
 

Tnecniv Edipar

Well Known and Active Forum Website User
VOC Member
Hello, hello,
NB: It always makes me smile when you phone carrol nash for classic bike cover, as they are "experts" and the first 3 questions they ask me for my 1930s bike are 1)Is it standard? (They dont like modified bikes) 2) does it have an alarm, emobaliser or tracker? 3) Is it Turbo/twin turbo charged?
I mean I know Vincents were ahead of there time and all but its a bit optimistic....

Just for a laugh answer as follows , 1) , yes it is modified 2) yes , all three 3) Does supercharged count ?

Curious the way insurance companies plead poverty and they don't make money out of vehicle insurance but , how many insurance ad's are on TV :mad:
 

Pete Appleton

VOC Hon. Editor
VOC Member
VOC Forum Website Administrator
Classic insurance experts

NB: It always makes me smile when you phone carrol nash for classic bike cover, as they are "experts" and the first 3 questions they ask me for my 1930s bike are 1)Is it standard? (They dont like modified bikes) .

Carol Nash always ask me the same thing when I insure my Triton. I asked them what a standard Triton is. Their reply was "the same as when it left the factory"
 

Tnecniv Edipar

Well Known and Active Forum Website User
VOC Member
Have had the misfortune to suffer all the above ! My advice is join a breakdown service such as the AA or RAC with the legal cover option.
They will then act on your behalf in the event of any insurance 'difficulty'.

Also , if difficulty is experienced with any 3rd party use an accident expenses recovery company. They will relentlessly pursue anybody or any company not responding to their liability. However , they will only act in third party blame accidents.
On one occasion I was taken out by some brain donor making an illegal right turn against me on a dual carriageway. Only my last second swerve to the left to avoid the clown and the Merc I was in saved me from serious injury. Problem was , despite several witnesses to my advantage the idiot tried to claim it was my fault to his insurance company and the case dragged it's feet. I engaged an accident claims recovery specialist and got hire car expenses , damages and loss of earnings within 3 weeks !
 
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