The Triumph Dolomite Club - Discussion Forum

I'm 21

Hello there

That's pretty good then, especially as FJ have said in the Courier (I think anyway) that they won't quote to under 25s

I was an existing customer, so maybe that's why...

Does anyone know if it makes a difference if the car will be used as a second (4th?!) car when getting insurance for under-21's?

I got a quote from Adrian Flux based on 1500 miles a year, always garaged and as a second car only. I also had my dad on the policy and it came to £1060.

Adrian Flux have always quoted me well above what FJ have so that quote doesn't suprise me. What does suprise me is people getting quotes from Lancaster who wouldn't quote for me even two years back!

One of the few times where an internet quote is > than a phone quote.
Or, in monetary terms < than.

_________________
1978 Sandglow Dolomite 1850HL The Lolomite - MOT pass! (broken again in 55 miles though...)
It's 106 miles to Chicago, we've got a full tank of gas, half a pack of cigarettes, it's dark, and we're wearing sunglasses.
Hit it.

It's been over 3 years since I was under 25 but from 19-24 I'd been insured on some pretty non-toyota-yaris type cars for next to nothing.

Fiero, Capri Turbo, Trans Am, Capri 2.8i, Starion, Mustang, Ford explorer etc. etc. All with Adrian Flux.
A lot of people seem to have no luck with them but if you push them, they just keep bringing the price down and frankly they've insured me for everything I've asked for.

I've never paid more than £1300 for car insurance.


Otherwise, wait until you're over 25 and you can insure your Sprint for £90 a year with SureTerm.
It's great.


My point is, find one that will insure you and keep pushing them until the price is reasonable. They nearly always WILL budge.

Just had my insurance renewal through and footman James will no longer insure me full stop. It is a tad annoying as ive never had an accident or made a claim so have now got to start again as we all know that classic car policys dont earn you a no claims discount.

The type of policy that you'd have if you insured a classic as a second (or third, fourth, etc) car don't, no, but if the car is your only car, then Adrian Flux among others offer agreed valuations on old cars on policies that do accrue and take into account NCD.
Last policy I had on the Dolomite as an only car was with Peter James, no mileage limit, NCD taken into account & ongoing and agreed valuation all set in stone. It's probably not advisable to run an only car on a policy that assumes it works part time. My last policy where the old car was the only car cost £80ish for the unlimited mileage and, strangely enough, wouldn't have cost any less for 3000 miles. I realise that younger folk will pay more, but to give an idea of proportion, the daily modern now costs a shade under £117 p/a so old cars are still cheaper to insure even if you shop for mainstream insurance and that needn't mean that you'd lose the option to agree the value.

I appreciate that this may not solve the issue of classic policies' availability for younger drivers, but as long as you provide an agreed valuation and get that accepted in writing, then why restrict yourself to using a car only as an occasional plaything?

Ive just been quoted £1000 for insurance on my dolomite 1300 (RWD) which isnt too bad seeing as im 18, i wish they'd take into account my NCB though, all that careful driving for nothing

My FJ renewal's gone up £500 from last year, so sod driving!

If they don't, then chances are you have one of those "cherished car" policies which means that they're assuming that the car is a second or otherwise not your only means of transport, best check that in case you ever need to claim.

Is that a renewal they've sent you? I'd be amazed if it was the same on a new quote...
Hooray for old(er) age!

_________________
1978 Sandglow Dolomite 1850HL The Lolomite - MOT pass! (broken again in 55 miles though...)
It's 106 miles to Chicago, we've got a full tank of gas, half a pack of cigarettes, it's dark, and we're wearing sunglasses.
Hit it.

I'm with sureterm, and my 1300fwd is £85 fully comp. I am 26 to be fair, but even when I was 24/25 I still had VERY cheap insurance with Lancaster and Sureterm. I have always had points for speeding and zero no claims bonus.