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PostPosted: Wed Feb 27, 2013 10:52 am 
Karma Queen / Cake Meisterin
Karma Queen / Cake Meisterin
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Joined: Thu Jul 27, 2006 10:02 pm
Posts: 6736
Location: North Yorkshire
Not mine, I'm happy with that but my son's.

My son is 20 and he is thinking of buying a small engine Fiesta. After finding one he was interested in he put it into one of those insurance search sites. Third party was, give or take, £1800 while fully comp was, give or take, £900. Why is this so? I would have thought that fully comp was way more expensive.

Alison


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PostPosted: Wed Feb 27, 2013 11:49 am 
retrobike rider
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Joined: Wed Jul 09, 2008 5:53 pm
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Location: Super Sussex by the Sea
Probably because people think 'I'll never be able to afford fully comp!' so don't bother looking...


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PostPosted: Wed Feb 27, 2013 12:09 pm 
Retro Guru

Joined: Mon Feb 11, 2008 9:42 am
Posts: 2363
People who get fully comp *tend* to have newer cars, which *tend* not to be ragged and abused. So fully comp can be cheaper than the TPFT insurance. Because as far as the insurance company is concerned, the Fully Comp driver is a lower risk.

(lots of other factors at play though)

The other trick is to get a grandad car, Volvo 440 or something. No one under 50 has ever bought (or crashed) one. So the insurance is a pittance.


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PostPosted: Wed Feb 27, 2013 2:08 pm 
Old School Grand Master
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Joined: Fri Oct 14, 2011 8:41 pm
Posts: 8226
Location: Cumbria
Insurance is high for cars the insurance company think are going to get thrashed............v reg Clio we have is more expensive to insure than a brand new one.

Assumption is that the 17 year old will crash the cheap Clio but look after a new one.

Shaun


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PostPosted: Wed Feb 27, 2013 2:17 pm 
King of the Skip Monkeys
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Joined: Wed Nov 07, 2007 4:34 pm
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Location: Moomin Valley
I was looking at insuring a 65hp diesel Clio and it was something like £400+. Looked up a Honda Civic 1.8 VTI estate which is something like 167bhp and it was £370 fully comp...


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PostPosted: Wed Feb 27, 2013 2:47 pm 
retrobike rider
retrobike rider

Joined: Tue Jul 10, 2012 11:58 pm
Posts: 2362
Location: Bournemouth
mattr wrote:

The other trick is to get a grandad car, Volvo 440 or something. No one under 50 has ever bought (or crashed) one. So the insurance is a pittance.


I crashed my mums 440 10 days after I passed my test when I was 17. A wall jumped out on me :oops:

Bought one a few years ago too, but didn't crash that. Nice car when it worked


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PostPosted: Wed Feb 27, 2013 9:03 pm 
P.o.T.M. Winner / MacRetro Rider
P.o.T.M. Winner / MacRetro Rider
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Joined: Fri Jan 23, 2009 1:03 am
Posts: 5502
Location: In the foothills of the foothills of The Cairngorm Massif :D
Pyro Tim wrote:
mattr wrote:

The other trick is to get a grandad car, Volvo 440 or something. No one under 50 has ever bought (or crashed) one. So the insurance is a pittance.



Nice car when it worked



You been drinkin'?


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PostPosted: Wed Feb 27, 2013 9:37 pm 
Retro Guru

Joined: Sun Dec 28, 2008 12:12 am
Posts: 680
Location: Anglesey
Mr Panda wrote:
Pyro Tim wrote:
Nice car when it worked

You been drinkin'?



:lol: :lol:

140, 240, 340, 740, 940 - hell yeah!!

440 - nooooooonononononono


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PostPosted: Wed Feb 27, 2013 9:45 pm 
Karma Queen / Cake Meisterin
Karma Queen / Cake Meisterin
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Joined: Thu Jul 27, 2006 10:02 pm
Posts: 6736
Location: North Yorkshire
What about the 850 I had that in the T5 version although not cheap on the old insurance for a 20 year old


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PostPosted: Wed Feb 27, 2013 9:59 pm 
Retro Guru

Joined: Sun Dec 28, 2008 12:12 am
Posts: 680
Location: Anglesey
The 850 T5 was nice, and surprisingly quick..... but it wasn't RWD 8) :lol: :lol:


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