Classic insurance for 22y/o on Rs Turbo

[chubz]

Hello guys and girls. i am thinking of buying an old escort rs turbo soon, and I'm just curious ,

could i insure it under a classic policy??, I'm 22 years old and ideally don't want to be paying an arm and a leg for insurance

i read somewhere footman james stopped doing classic policies until your 25.... so guess thats them out the question.



Many thanks in advance guys!

Matt.

[hkr91]

Have you got a second car?

Footman James have stopped insuring under 23/25's, unless you already hold an existing policy with them or you have a Morris minor (they do specific policies for that).

Give Lancaster a go - I do have a second car (classic car insurance in their eyes is not to be used everyday) but beware, an RST will deffo be pricey.

[chubz]

Nope, i havnt mate, havnt even bought this one yet

Thanks , i will see what they can offer me, I'm aware it might cost a bit to insure, but iv got about 2.2k for insurance at a push,.

[Ray Singh]

Give RH Specialist insurance a call.
They insured me when i was 19 yrs old on a Porsche 250 bhp 944 turbo se.

www.rhclassicinsurance.co.uk/

[chubz]

Thanks for that mate, il deffo be giving them a call if they insured you on a porsche at 19 ! lol ...

[Copey]

Classic Line insured me with the Capri with a CA18DET when i was 22

[Lewis]

Try Peter James

[piratemaximus]

Hi dude,

I'm 22 myself, and I can't recommend Brentacre enough. Brilliant service with chilled (Wales based) call centres with people who have a keen interest in cars too.

The best bit is that they insure on a BHP limit, rather then the usual make/model assumption that most insurers go by. That means ANY modification goes (engine swaps? no problem) no charge to adding modifications over the term of the policy (unlike many companies that have an 'admin' charge).

Give them a go

[chubz]

Thanks guys, all much appreciated

will it matter much, that i am unemployed at the moment? obviously I'm looking for a job and will continue to look, but as i will probably be unemployed by the time i get a license.. :\

[chubz]

Nah my postcode is quite low risk as far as I'm aware, plus it will be garaged in day and night......

[dodgerover]

I'de get price on ins BEFORE you buy anything a mate had the cheapest quote of 2K to insure a Lada Niva 3rd party only immediately after passing his test - he ended up on his dad's traders policy..

[Lewis]

You will probably find that not garaging it will make the policy cheaper - so bear that in mind.

[optima21]

yeah unemployment can make a difference. when I was unemployed about 5 years ago, I mentioned it when I renewing my policy (they had sent me a quote with me employed) and they put the quote up by over 20% and that was on a limited mileage policy...... I refused to pay that on principle so it sat on my driveway for another 3 months until I was employed again

[chubz]

Why would it be better to say its not garaged though, surely being kept in a garage is a lower risk no matter where you live ?

I guess ill have to have a phone about, il give these companies a try ^ ..along with need2insure

s2 is my dream car, i really want to be able to afford insurance

[mikeymk]

It is often cheaper to insure a car parked on the street than on a driveway. I believe it's to do with access to keys - on a driveway you have a vague idea where the keys are likely to be..

Nobody with a Maglite would find mine, but it took my findings of the above to do something about it - they used to be in the front door or on the kitchen table overnight!

[Lewis]

Nov 12, 2012 0:49:14 GMT chubz said:

Why would it be better to say its not garaged though, surely being kept in a garage is a lower risk no matter where you live ?

A lot of insurers think that A) a car being garaged is more likely to be stolen as the thieves can break in to it and get it running (or just vandalise it) without being noticed and B) the car's more likely to be accidentally damaged by collisions with the garage itself.

Those kind of things