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Classic car

Discussion in 'Leeds Classified Ads' started by steve1404, Jul 22, 2012.

  1. steve1404

    steve1404 New Member

    wanted classic car must be cheap for first time driver as i need to keep the insurance policy as low as poss
    limited funds avail
     
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  3. marcon safety uk

    marcon safety uk New Member

    hi there, the price3 for this vehicle will be £3000 due to the new parts and a full 12 months mot, the vehicle has a transfreable number plate which is worth at least 2,000. so you could sell the plate and still have the car fior 1k. i have had the vehicle for around 12 years, cheers brian
     
  4. johnnykaos

    johnnykaos Member

    Steve1404 I appreciate what you are trying to do, you think that by getting a classic car you can circumvent the outrageous insurance premiums that are been charged by car insurance companies - especially for young / new drivers.

    However while classic car insurance can work out cheaper than ordinary car insurance, its not as simple as you might think. I know this as its something I looked into myself quite recently and after checking out a lot of the options I realised it wasnt suitable.

    Most companies that insure classic cars expect you to have another car insured that is your 'daily driver' and the classic car is supposed to be used on a limited mileage policy and not be a car that would be used everyday. Also things like no-claims bonus arent taken into account on classic car policies - nor are they earned, so having a classic car policy for a new driver wouldnt earn them any NCB's to reduced future premiums on an ordinary car, then you've got to factor in that for insurance companies to regard a car as a classic its usually got to be at least 23 years old, so reliability / safety etc become issues, even things like getting a spare part can become a problem.

    For a lot of people classic cars are something of a labour of love, and they are bought by old guys that have a lifetime of mechanical knowledge behind them and the frequent servicing / repairs / maintenance is performed by them as a hobby, and something they could do happily in their sleep. Is the person you want to get a classic car for prepared to own a classic car and put in this extra time and expense in caring for the car? Because when you look at it like this then the savings you might have made on the insurance premium kind of pale into insignificance.

    Plus most classic cars sell at a premium, blimey, even a MKII Escort from 1980 is now selling at over £2000 - for a semi-decent one! Anyway if you plan to do this good luck to you, let me know if you have any joy, because all my efforts amounted to not a lot, but a great deal of wasted time!
     
  5. steve1404

    steve1404 New Member

    thanks for the post but i am aware off what the classic insurance entails and restriction of miles etc the truth is i do not like modern cars there is nothing to them all plastic bumbers etc i like the chrome etc on old cars and the car will only be in the uk for another year as i will be moving to bulgaria and they dont have any classic cars there and in all my times visiting the country i have never seen a tolls on the roads seen every other car but classic dont exist there and as there driving speed is lower in bg than in the uk that would suit me as i am a snday driver and almost 50 but i have drove on and off for over 20 years but only just taken my test.

    i will let you know how i get on i missed out on a 1960 austin the other day it was sold 10 mins before i phoned up i was gutted
     
  6. marcon safety uk

    marcon safety uk New Member

    hi Steve, just to make a point regarding the insurance. i wasw last insures with a company calledxxxxxxxxxxxxx and the only stipulation for insurance purposes was i was a member of a owners club ie morris minors owners club and that a valuation of the vechile was made by an independant, classic car restorers. the insurance was 107 quid, fully comprehensive, european green flag ins, unlimited mileage, european breakdown insurance, yeah you would not gain any no claims, whopee, you do not have to have a new car or another car for that matter. so just be aware of individuals giving an opinion that may not be entirely correct. brain
     
  7. marcon safety uk

    marcon safety uk New Member

    check out the insurance for this vehicle call Footman James for a quote brian
     
  8. johnnykaos

    johnnykaos Member

    Well Steve, as Brian has pointed out I clearly have no idea of what I'm talking about, and yes I'm sure that driving a 1960s British car to Bulgaria will pose no problems whatsoever, I mean you can guarantee that any european car garage in eastern europe will have an endless supply of obscure morris parts available for when you breakdown. Remember that in the world of classic cars you get what you pay for, so if you manage to find a Morris Minor for £500 then its bound to need thousands of pounds in parts and labour spent on it. Good luck - you'll need it!
     
  9. marcon safety uk

    marcon safety uk New Member

    hi steve, just as i satted in my earlier contact to you, forget all the nonsense regarding Bulgaria, as i said european breakdown means should you not ba able to get the so call rare parts from bulgaria you will get your car home. that said, you are to use any vehcle that you decide upon purchasing for mainly the yk and again will get your car home. as for the morris minor parts you can get any part brand new for any of the minors produced. i have had my minor for 12 years and have spent many more thousands of pounds on her than i would ever be able to recover, which to me is not an issue. so again if the exeptional advice that has been described is that you cant get the parts or cannot get home from bulgaria if you were to breeak down, or that you should not pay more than 500 quid when there is clearly no substance in this argument, then i suggest that you speak to people that does understand what they are talking about and buy a new minor with a 12 month guarantee, g/box and engine for around 7500. anyway its just honest advice and no bull.
     
  10. nevben

    nevben New Member

    You present the picture around classic car insurers somewhat inaccutately.
    You do not get no claims bonus as such as the premiums are so cheap in the first place, however each year you renew the renewal form states the years you have been insured by the company, which any reputable company will take as no claims bonus. Footman James is the best for classic insurance.
    In relation to the idea of getting one for a new driver. I would not recommend this as the way people are taught to driver now places far more reliance on the brakes than was the case when classic cars were in vogue.
    I recall some years ago being followed for 20 miles by a police car on the winding lanes of Wales, they finally stopped me and questioned whether my brake lights were working, I pointed out that I only use the brakes to stop or in unforseen situations, they checked that they were in fact working and were somewhat oblivious to how i managed to slow the car down without the brakes.
    There is a company that specialise in classic cars in Hunslet called Hincliffe & Halley, if you are still minded to get one I suggest you give them a ring, you can tell them you know Nev and they will see you ok.
    I drive a 1965 MK 1 Triumph Spitefire as my only car.
    I lived in Spain for 5 years with the car there, when I required a part I just rang the suppliers and they sent it out to me.
     
    Last edited: Jul 27, 2012
  11. bewerley

    bewerley New Member

    Interesting post.
    Was it difficult to adjust to Beeston after 5 years in Spain?
     
  12. nevben

    nevben New Member

    Not really as I had lived in Beeston for many years before going to Spain. The first time I called in the local club it was the same people in the same seats as when I left, the only absentees were those who had passed away whilst I was away.
     
  13. marcon safety uk

    marcon safety uk New Member

    hi there interested parties, thanks for your replies all good stuff and interesting conversations, however it was not me that stated that you get no claims discount with footman james, if you were toread my previous items it clearly states otherwise, but thanks for posting anyway. cheers and have a good week end
     
  14. nevben

    nevben New Member

    Hi Brian.
    It was Jonny that stated that you get no no claims with classic insurance.
    It would be far better if we adopted the insurance system that exists in Spain. They insure you as oppose to any specific vehicle and you are covered to drive anything you are licensed to drive, the only exception to this being scooters due to the number of accidents they are involved in. It is manditory for the insurance to cover your for the whole of Europe as is European recovery.
     
  15. Derc

    Derc New Member

    I've always used Hagertys Classic Car Insurance, well happy with them, try Google
     
  16. johnnykaos

    johnnykaos Member

    Well people seem desperate to debunk everything I've said about the pitfalls of owning a classic car just to get cheap insurance. Obviously I've no idea of what I'm talking about then. So by the other peoples reckonings a classic car is going to be as reliable as a modern car and you will never have a problem getting a part wherever you are in the world (as long as you dont mind waiting weeks for it to arrive) and classic car insurers in the UK will be perfectly happy about you exporting your car to Bulgaria (on their limited mileage policy)...

    You really do seem to have an answer for everything, in which case, why have you even asked on these forums for advice if anything that anyone tells you that isnt to your liking is wrong? All I can say is good luck to you when you're having to pay as much in postage just to have an exhaust for an obscure model Austin / Morris etc to be shipped out to Eastern Europe as it would have cost to get an exhaust for a Vauxhall Vectra bought and fitted! But hey, if you've saved £200 on the insurance who cares! As you already know everything there is to know about anything then how can you possibly lose? Tsk! What a set of muppets!
     
    Last edited by a moderator: Jul 27, 2012
  17. nevben

    nevben New Member

    You have obviously got limited knowledge of classic cars or world logistics.
    Firstly most owners who have the intention to keep the vehicle will have a stainless steel exhaust fitted, which is guaranteed for life.
    In relation to the mileage situation, when you renew your insurance you are given the option of paying for the number of miles you expect to do, should you find you are running out of miles you can buy extra ones at any time during the policy.
    In relation to getting parts to other parts of the world. TNT has a next day service for the all of europe and the usa. DHL covers Africa, Far East and the Middle East on a 48 hour service.
    In conclusion it begs the question as to whom the name Muppet best fits ?
     
  18. johnnykaos

    johnnykaos Member

    See nevben knows the score, all classic car parts are guaranteed for life so you'll never need a repair, and classic insurance policies - even though they have limited mileage restrictions, will allow you to specify virtually unlimited mileage while still keeping your premiums low.

    And of course whichever garage you break down near when out in the middle of nowhere in the ex-soviet bloc will be perfectly happy to use your choice of courier to deliver a part to them as I'm sure they dont have a clue how to run their own business and the garage owner will be only too happy for you to tell him how it ought to be done...! And yes I'm sure TNT next day global courier delivery will be virtually free of charge once they hear its only a 7 foot long exhaust or gearbox that only weighs 20kg.

    Of course you'll never need a garage as been a new driver you're bound to be a fully qualified mechanic who will be carrying an entire workshops worth of tools / oils etc and any repairs, major or minor you'll be able to do with both hands tied behind your back, according to nevben.

    Yes, its you nevben who is the muppet who seems to think the world dances to your tune and no other.
     
    Last edited by a moderator: Jul 28, 2012
  19. Croggy

    Croggy Cereal Forumer Staff Member

    No need for personal attacks, Johnny.
     
  20. nevben

    nevben New Member

    Whilst your last post is worthy of response to correct the inacuracies I shall decline to seek to educate you further and seek to give my pet goldfish lessons in how to ride a bike, could prove more effective.
    If you would care to refer back to my first post on this subject I advised against getting a classic car for a new driver and how I came to this opinion.
    It would seem that we have come to an impasse on whom should be seen as the muppet. To this end I shall leave other members of the forum to come to their own conclusion and if they wish express their opinion in another post I have set up for this purpose.
     
    Last edited: Jul 28, 2012
  21. johnnykaos

    johnnykaos Member

    Nevben, all it looks like is that you've dug yourself into a massive hole that you're finding it impossible to crawl out of. Anyone reading this doesnt need to make a decision as its blatently obvious that you sir, are the muppet! Ha ha ha!
     

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