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A-aron
#1 Posted : 10 August 2018 13:25:13(UTC)
A-aron

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Hi there, 

I'm looking to re-do the insurance for my MX-5 this Christmas, I will be 21 by then, any advice on which insurance company to go with? Unsure whether to completely avoid the mainstream companies and look at Japanease/modified car insurance companies or a classic car company? 

Cheers! Cool

MickAP
#2 Posted : 10 August 2018 13:59:52(UTC)
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You really need to say which model you have, whether modified or standard?

I found whilst looking for insurance for my daughter, she had newly passed her test but over 25 yrs old that it was benificial to add an experienced driver on the policy, a named driver (such as parents) it brought the premium down considerably. We got the best quote from Admiral at the time, she is still with them, infact I swapped over to them last year on the strength the good service, and price we have both had thus far. Must say each insurance company views cars/postcode areas, circumstances etc differently, in other words they wildly differ sometimes unreasonably.

Edited by user 10 August 2018 14:00:57(UTC)  | Reason: Not specified

Current car...07 plate True Red Sport. MeisterR's, Colbalt rear box, Royal Steering Wheel retrim.
saz9961
#3 Posted : 10 August 2018 14:22:38(UTC)
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And sometimes cheapest doesn't mean best service when you need them. Adrian Flux were hopeless when it came to a claim, Footman James (aka Aon) were excellent.
BG
#4 Posted : 10 August 2018 16:37:29(UTC)
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Originally Posted by: A-aron Go to Quoted Post

Hi there, 

I'm looking to re-do the insurance for my MX-5 this Christmas, I will be 21 by then, any advice on which insurance company to go with? Unsure whether to completely avoid the mainstream companies and look at Japanease/modified car insurance companies or a classic car company? 

Cheers! Cool

 

Noticed this is your first post so Welcome to the endless grin 

Mainstream insurance companies will be very nervous of your age so go to the likes of Footman James, Lancaster and Adrian Flux etc. who will be much more understanding by far.

 

5846 off the production line in 1989 Mariner Blue 1.6 "Life support machine" More Smiles-per-miles than any of the hundreds of varied vehicles i`ve ever driven / Ridden and the most FUN of all £ for £
DAN ADRIAN FLUX
#5 Posted : 13 August 2018 20:13:39(UTC)
DAN ADRIAN FLUX

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Hi and welcome.

If you need any help with insurance at all then please feel free to drop me a line.

Regards,

Dan.

DonT
#6 Posted : 13 August 2018 20:32:48(UTC)
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Originally Posted by: A-aron Go to Quoted Post

Hi there, 

I'm looking to re-do the insurance for my MX-5 this Christmas, I will be 21 by then, any advice on which insurance company to go with? Unsure whether to completely avoid the mainstream companies and look at Japanease/modified car insurance companies or a classic car company? 

Cheers! Cool

Welcome to the forum 

1995 Mazda MX-5 1.8 iS in Classic Red
Winner Standard Mk1 Donington Park National Rally 2016
Winner Standard Mk1 Kelmarsh Hall National Rally 2015
Owned since April 2002
Club Member since April 2002
Nurburgring & Stelvio Pass
BMW 330D M Sport
Peugeot 107
Paul W
#7 Posted : 15 August 2018 12:32:30(UTC)
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I found that the company with the big red phone were by far the cheapest for me - I obtained fully comp cover for 45% less than the companies that are supposed to give us a preferential rate through the club.
Mk2 1.8i, built Jan 1998.
Simon NA
#8 Posted : 16 August 2018 06:53:57(UTC)
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I just insured my 1990 eunos 1.6 with Lancaster for £380 which is pretty good considering my BMW was written off (non fault) in October last year and then the eunos was written off 2 weeks ago (my fault, bought back and repaired myself). Current insurer wanted £1000, AF wanted £780, direct line wouldn't insure a 1990. Sky wouldn't even quote me.

I'm 28 with 3 years NCB. 

1990 1.6 Eunos BRG, Meister R Zeta CRD Coilovers, Cobalt Cat-back
Steve398
#9 Posted : 16 August 2018 10:28:39(UTC)
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Not Adrian Flux... a very bad experience which I will never repeat!

Edited by user 16 August 2018 16:11:11(UTC)  | Reason: Not specified

2011 NC Powershift PRHT



Roadie
#10 Posted : 16 August 2018 12:07:49(UTC)
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Not going to offer any advise on what company to go with but there is one important point. Get your quotes 21 days before you want cover to start. There was a very interesting article on the Money Saving Expert website recently showing this was the optimum time for paying the minimum premium. As the policy start date approaches prices rise. Get your quote the day before start date and the price can more more than double. Strangely it also rises if you check earlier than the 21 days.

Put a note on your calendar 21 days before you want the policy to start.

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Ex-Purveyor of ZSport badges to the gentry

Mk4 2.0 Sport Nav, Soul Red, Sand leather, Love it!
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 2 users thanked Roadie for this useful post.
Countryboy on 16/08/2018(UTC), Steve398 on 16/08/2018(UTC)
Roadster Robbie
#11 Posted : 16 August 2018 20:19:37(UTC)
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Originally Posted by: Steve398 Go to Quoted Post

Not Adrian Flux... a very bad experience which I will never repeat!

I tend to disagree (not necessarily with your bad experience but your comment against them), I've had my cars & bikes insured with Adrian Flux for a good few years now and haven't faulted them.

And if you're 21 A-aron, you'd probably appreciate the Fluxbabes calendar (move over Pirrelli), I've asked for a free one in the past to seal the deal.

Edited by user 16 August 2018 20:24:15(UTC)  | Reason: Not specified

Disclaimer

Any work you do to your car is entirely your own responsibility. If in doubt, you should check technical advice with an independent , qualified person who has seen your car.

mx5eastern.co.uk - havemorefun.co.uk - merlotmotorsport.co.uk - roadsterrobbie.com

NA: RS Limited (Special car)
NA: Project Merlot (Track car)
ND: 1.5 Sport Nav Soft Top Soul Red Crystal (Wow! What a colour!)
Davyo
#12 Posted : 18 August 2018 11:17:42(UTC)
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Originally Posted by: Steve398 Go to Quoted Post

Not Adrian Flux... a very bad experience which I will never repeat!

Took my eyes out over my 4x4,  then tried to charge me a exit fee 1 day after i paid in full online.Had to jump through hoops for full refund.NEVER AGAIN! Took over 3 mths to get my monies back.

 

GMC92
#13 Posted : 24 August 2018 12:54:13(UTC)
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im now 26 and been with Admiral since i was 17. at 26 my insurance is only £300 for my 2.0 Sport

When i was 21 i had a Fabia VRS and they pretty reasonable at £6-700 if i remember correctly.

My wife is 24 and she has new Audi Q3 and only costs her £500 with Admiral

it really all depends on your details. your postcode plays a massive part on quotes!! also i noticed that when you are married the price seems to drop. 

 

*** a good tip however is dont tell them you keep it locked away in your garage as it costs more than telling them it stays in your driveway, strange i know but it think its do with the size of claim if stolen/fire is much higher if it is within a building

Daily - MY19 Seat Leon Cupra 290 DSG in Magnetic Grey

Sunny days: 2008 PRHT 2.0 Sport in True Red
MickAP
#14 Posted : 24 August 2018 13:09:34(UTC)
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Originally Posted by: GMC92 Go to Quoted Post

im now 26 and been with Admiral since i was 17. at 26 my insurance is only £300 for my 2.0 Sport

When i was 21 i had a Fabia VRS and they pretty reasonable at £6-700 if i remember correctly.

My wife is 24 and she has new Audi Q3 and only costs her £500 with Admiral

it really all depends on your details. your postcode plays a massive part on quotes!! also i noticed that when you are married the price seems to drop. 

 

*** a good tip however is dont tell them you keep it locked away in your garage as it costs more than telling them it stays in your driveway, strange i know but it think its do with the size of claim if stolen/fire is much higher if it is within a building

 

Not quite the case on your last point about garages.
I insured both my cars last year on a multi policy, when the documents came through I noticed an error. I specifically told them my Mk3 is garaged when not in use and the daily driver is kept on the driveway, they had both cars logged as kept on the driveway. I informed them of their error and they reduced my premium by £20, not a fantastic amount but the price they put on whether garaged or otherwise. I'm also with Admiral.

Current car...07 plate True Red Sport. MeisterR's, Colbalt rear box, Royal Steering Wheel retrim.
BarnsleyRob
#15 Posted : 24 August 2018 13:34:54(UTC)
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I agree with Roadie re renewal dates. I’ve just renewed my BMW X5 for 1st September and some, but not all, quotes went up significantly between this week and last week.

The MX5 is insured through Esure and I’ve found them to be very good. I’ve only got 2 years no claims as it’s my second car but the premium was the same as my Daihatsu Copen and they chucked in a free number plate transfer within 14 days. They are sticklers for any mods though so make sure of full disclosure of aftermarket stereos etc. I forgot about my parking sensors but they logged it when I rang back to correct my mistake.
2010 Mk3.5 in Copper Red
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