Goddamn insurance!

GroovyCarrot · Post by **GroovyCarrot** » Mon Sep 06, 2004 7:41 pm

Even if it's just a promotion to the deli counter and a full time contract it'd be an improvement.. it really isn't easy to run a car on 8 hours / week shelfstacking wages. (I'm planning to do physics anyway which is one of the more sought after degrees atm) Age barriers may not make as much difference as they used to, but it certainly still makes a difference to the insurance. Anyway, I'm quite sure that with a bit of negotiation, any reasonable insurer would consider the amount of driving I will have done by that point, hopefully claim free (touch wood), despite not having been awarded any actual NCB.

Anyway, I'll just see how it turns out for now

Tahrey1043 · Post by **Tahrey1043** » Mon Sep 06, 2004 8:07 pm

8 hours? what do you do for the other 32 you could be working in?

and i thought my previous stint doing 11 a week at the bar over 2 shifts was dodgy..... on 37 now and its looking to be a daytime-shopping killer

wont ever get to GSF except on saturdays any more!

bstardchild · Post by **bstardchild** » Mon Sep 06, 2004 8:39 pm

The Drummer wrote:It is a false economy to be a named driver. You do not earn any NCB this way, only the policyholder does. As for insuring the Lotus and it being cheaper, not sure don't know full details. Seems a little strange though.

I'm insuring it fully comp under a classic policy (so no need for NCB) limited mileage and and agreed value

plus I'm the wrong side of 25 so I'm eligable for classic and cherished insurance

bstardchild · Post by **bstardchild** » Mon Sep 06, 2004 8:56 pm

The Drummer wrote:Any other insurance questions just post them on the board and I will answer them (as best I can).

Well since you ofered I'll ask you my favorite one - better give you some background first

39 and own 6 cars - working as a logistics manager in Pharms - but unashamedly a car nut!!!!

91 Lotus Carlton Value agreed value Â£20K - limited to 2K miles per annum

84 Opel monza GSE agred value Â£2.5K - limited to 2K miles per annum

92 & 93 2 x Vauxhall Senator 24V (auto and manual) Agreed Value Â£3K - limited to 4K miles per annum

91 Carlton CDX 3.0i 12V Estate Agreed value Â£0.50 (long story) - limited to 1K miles per annum

Plus the VW Polo but we'll leave that out for a min (normal insurance to keep me NCB alive (I spent four years riding motorbikes and lost my entlement to car NCB once before - it has a shelf life and not many people realise it!!!)

What rankles me is I insure all but the polo on limited mileage and agreed value and I am the only one who drives them and despite my best efforts I cannot work out how to drive more than 1 at a time -why doesn't anyone do a policy that covers the driver and cars with an agreed max value........

I looked into a traders policy but you have to buy and sell cars to qualify and that rules me out as I tend to buy em and keep em for ever with the exception of my MKII polo

It just doesn't make any sense and to be honest, even with classic policies if I have em all insured at any one time, it's a nightmare and expensive so I tend to Restore/refurbish one for a long period so I can lock em away and save myself the insurance costs but it does then leave the vehicle not covered for theft of damage for a 6 month period

Any solutions to this that you know about?????

Thanks in advance

jimbob · Post by **jimbob** » Mon Sep 06, 2004 9:32 pm

im 18, i drive a polo gt ive been driving since october last year ive got one claim against me for Â£3500 and my insurance is Â£1800 tpft with norwich union

Karl_CLCoupe · Post by **Karl_CLCoupe** » Mon Sep 06, 2004 9:35 pm

An agreed value of 50p? What is the long story, coz it must be good if your keeping a car worth 50p

Karl.

Karl_CLCoupe · Post by **Karl_CLCoupe** » Mon Sep 06, 2004 9:36 pm

jimbob wrote:im 18, i drive a polo gt ive been driving since october last year ive got one claim against me for Â£3500 and my insurance is Â£1800 tpft with norwich union

Â£1800 is good when you have had a claim against you as an 18 year old. I'm looking at paying that on a CL with no claims or experience for that matter as a 17 year old.

Karl.

Tahrey1043 · Post by **Tahrey1043** » Mon Sep 06, 2004 9:51 pm

91 Carlton CDX 3.0i 12V Estate Agreed value Â£0.50 (long story) - limited to 1K miles per annum

never mind the length, you're not leaving here alive without telling us that one!

(hang on - 3 litre 12-valve?? a SOHC straight six or something then..)

The Drummer · Post by **The Drummer** » Tue Sep 07, 2004 10:17 am

That's quite a collection of Cars! I'm afraid there is a rather simple answer to that and it all boils down to money. There is simply not enough demand for a policy to be built that way. The average Joe doesn't have that many cars, maybe 2 - 3 at the very most with normally 2 or more drivers. the costs involved in administering a seperate policy,, time taken to actually write the policy wording, underwrite it, train staff on the policy. Claims handling etc, and the list goes on. So I am afraid that it boils down to demand, and there just isn't one for that type of policy.

On the upside though, you have a very nice collection of cars!

bstardchild · Post by **bstardchild** » Tue Sep 07, 2004 8:08 pm

Tahrey1043 wrote:
91 Carlton CDX 3.0i 12V Estate Agreed value Â£0.50 (long story) - limited to 1K miles per annum
never mind the length, you're not leaving here alive without telling us that one!

(hang on - 3 litre 12-valve?? a SOHC straight six or something then..)

They are all straight sixes....... (cept the polo)
They all have 12 or 24 valves...... (as above)

The Carlton CDX Estate - hmm where do I start

I'm doing some building work at home (5.5m ext to the garage and 4m x 4m two storey extension to the hoise) so needed a skip - needed several actually - I wasn't gonna cart stuff up to the dump in the LC was I? - besides anybody know the costs of skips these days Â£120 min each hire and I needed a few.....

I bought a copy of the local wed free ads and started hunting for a big load carrier, van, estate, or pick up anything would do in the under Â£500 section - criteria was cheap (real cheap - less than a skip or two) big and with a bit of tax and test to cover a couple of months use.......

Well I spied a carlton estate 2.0 - bugger all description, just high miles and MOT'd for 3 mths and tax for 4 days Â£200 ono - must go by the weekend was about the sum of the add

I rang on the fri nite - and the guy said it would be there untill sat 0800 when the scrap dealer would be rung to pick it up - while he was at work - he'd bought it as a tow car for some reason but he'd had a lot of problems with it and now had bought some tonka toy and it was now stored on the road outside his house and the neighbours had been moaning and he new one of them would shop the car as soon as the tax ran out and he couldn't afford to insure it again to tax it.

Well by this point I realised he was desparate to shift it and the ono bit might not be so near........

I turned up at 8am in a mates car and looked round the car was bloody awfull scruffy dented wings rotten tailgate busted ignition key bonnet release cable snapped, interior filthy, not a single tyre that matched and most were near to legal minimum. It obviously had its fair share of mechanical maladies I drove it up and down the road propshaft was knocking like a t**t, the ABS light was permenantly on, the air assist rear shocks were not being assisted by any air at all and the exhaust was blowing - in fact the complete opposite of what ever advice I've given to anyone looking for a car

It was a SHED

I pointed out the faults and gave some rough guesses as to repair/replacement costs - I think he knew I was very clued up and had obviously was aware of some of the faults and had costed some of them himself

I asked him what it was gonna cost him to get a scrap dealer to pick it up (knowing it would be a min of Â£50) he said Â£60 - so I said well what ever I offer will save you Â£60

He agreed and I held out 50p and said the offer lasts untill I get in the car to go - once he picked his jaw off the floor we'd already started walking, he tried the well how about Â£50 by which time I was almost in the car to go home - I just laughed and said 50p no more and I'll drive it away now

So thats how I got it for 50p

I got it home on the fuel that was in the tank - intention was to use and abuse it trailering and carrying rubble to the dump and topsoil to a mates farm.......

It had done most of it's work inside a month - garage was up and I decided to rest it till the house extension started - get a few faults repaired in the lay period get it through another MOT and use it again but thats another story

PS It was a 3.0 not a 2.0 the free ads paper got it wrong and by way of background info only 17 Carlton 3.0 CDX Estates were ever built with manual gearboxes - so suddenly I found I had a car that was rarer than the LC cos they built 287 of them!!!!