Omega Owners Forum

Chat Area => General Car Chat => Topic started by: omega3000 on 15 December 2012, 21:18:11

Title: Soft Top
Post by: omega3000 on 15 December 2012, 21:18:11
Does anyone know if we get charged more for a soft top car for insurance purposes ? ie : an escort tin top versus an escort soft top ? I would of thought it would be more for the soft top as its easier to break into plus the cost of replacement hoods when they get torn  ???
Title: Re: Soft Top
Post by: symes on 15 December 2012, 21:36:45
Bet they would mate but convertibles very popular here-why I dont know as the 2 days of summer are usually when you dont have time to drive ::) ::) :y
Title: Re: Soft Top
Post by: omega3000 on 15 December 2012, 21:55:50
Bet they would mate but convertibles very popular here-why I dont know as the 2 days of summer are usually when you dont have time to drive ::) ::) :y

I suppose if the soft top was garaged it would make a difference to the insurance rather than just parked out on the street over night ..
Title: Re: Soft Top
Post by: symes on 15 December 2012, 22:03:46
oh yeh they like -off road parking,kept in garage , love it if you got alarmed garage too. areyou thhinkinking of getting ragtop??? some of these modern ones look gay sorry but they do and agree with Clarkson when he said only person who looked good in back of convertible was A.H( german guy had failed European tour) Luckily :y
Title: Re: Soft Top
Post by: omega3000 on 15 December 2012, 22:09:30
oh yeh they like -off road parking,kept in garage , love it if you got alarmed garage too. areyou thhinkinking of getting ragtop??? some of these modern ones look gay sorry but they do and agree with Clarkson when he said only person who looked good in back of convertible was A.H( german guy had failed European tour) Luckily :y
;D yeah agreed there , but some of the older ones dont look too bad .
Just always wondered if the insurance was higher .
Next car if any that i get will be tax exempt , thats for sure  :)
Title: Re: Soft Top
Post by: symes on 15 December 2012, 22:15:56
oh yeh they like -off road parking,kept in garage , love it if you got alarmed garage too. areyou thhinkinking of getting ragtop??? some of these modern ones look gay sorry but they do and agree with Clarkson when he said only person who looked good in back of convertible was A.H( german guy had failed European tour) Luckily :y
;D yeah agreed there , but some of the older ones dont look too bad .
Just always wondered if the insurance was higher .
Next car if any that i get will be tax exempt , thats for sure  :)
any vehicle registered before march 1973 counts mate.If you look on logbook where it says Tax class- it should state Historic-hope that helps.
Title: Re: Soft Top
Post by: martin42 on 15 December 2012, 23:07:50
some are cheaper to insure than a hardtop,mines about the same as the omega with a thatcham 1 alarm fitted
Title: Re: Soft Top
Post by: BazaJT on 16 December 2012, 07:42:31
I  believe  that to qualify for the historic class and therefore tax exemption the criteria is that the vehicle in question must have been built[but not necessarilly registered]on or before December 31st 1972.
Title: Re: Soft Top
Post by: omega3000 on 16 December 2012, 10:29:43
some are cheaper to insure than a hardtop,mines about the same as the omega with a thatcham 1 alarm fitted

Is that fully comp martin ?
I thought it would have been cheaper than for the omega  ???
Title: Re: Soft Top
Post by: the alarming man on 16 December 2012, 12:19:04
well there is a story my v8 discovery is cheaper to insure than my 2.2 omega....and thats on a ordinary policy and there is not much difference to the age of the car :y
Title: Re: Soft Top
Post by: martin42 on 16 December 2012, 12:45:14
yes its fully comp,i never bother with anything less,and 8000 miles usage and a named driver
Title: Re: Soft Top
Post by: omega3000 on 16 December 2012, 13:19:17
well there is a story my v8 discovery is cheaper to insure than my 2.2 omega....and thats on a ordinary policy and there is not much difference to the age of the car :y

 :o

That's a shock .

Title: Re: Soft Top
Post by: martin42 on 16 December 2012, 13:31:28
for some reason 4x4's are cheaper to insure. >:(
Title: Re: Soft Top
Post by: omega3000 on 16 December 2012, 14:03:09
for some reason 4x4's are cheaper to insure. >:(

But the road tax is a lot more isn't it ? Friend of mine pays over £400 a year  :(
Title: Re: Soft Top
Post by: martin42 on 16 December 2012, 14:59:05
depends what year you buy
Title: Re: Soft Top
Post by: acope on 16 December 2012, 15:13:06
I had a Lancia Gamma soft top, yobs just cut through the material, opened the bonnet, stole everything they wanted,lovely alloy wheels, the twin carbs, the air-horns, starter motor,seats dash board and gauges and a few other bits and pieces, then the b**tards trashed / slashed what ever was left, plod reckoned it was stripped to order, fair enough but to trash the rest of was sickening,
One of the best / fastest motors I ever had.. :-X :-X
Title: Re: Soft Top
Post by: the alarming man on 16 December 2012, 16:15:22
for some reason 4x4's are cheaper to insure. >:(

But the road tax is a lot more isn't it ? Friend of mine pays over £400 a year  :(



not mine it is £ 20 cheaper than the omega :y


makes no sense
Title: Re: Soft Top
Post by: symes on 16 December 2012, 17:31:02
I  believe  that to qualify for the historic class and therefore tax exemption the criteria is that the vehicle in question must have been built[but not necessarilly registered]on or before December 31st 1972.
March 1973 :y :y
Title: Re: Soft Top
Post by: henryd on 17 December 2012, 09:30:01
for some reason 4x4's are cheaper to insure. >:(

But the road tax is a lot more isn't it ? Friend of mine pays over £400 a year  :(



not mine it is £ 20 cheaper than the omega :y


makes no sense

My Discovery v8 is £220 a year to tax :y
Title: Re: Soft Top
Post by: Boggy on 17 December 2012, 11:22:44
I've read the first few posts here and reference historic and soft top crossed with the British summer, get a classic car with a vinyl roof, looks like a soft top, cheaper to insure and with the weather, it wouldn't need to go down anyway :-p
Title: Re: Soft Top
Post by: aaronjb on 17 December 2012, 11:24:51
Psht, it's roof-down weather year round in the UK! In fact, today is a beautiful roof down day.. (if I had any brakes on the soft top, anyway, boo!) ;)
Title: Re: Soft Top
Post by: omega3000 on 17 December 2012, 19:30:23
for some reason 4x4's are cheaper to insure. >:(

But the road tax is a lot more isn't it ? Friend of mine pays over £400 a year  :(



not mine it is £ 20 cheaper than the omega :y


makes no sense

My Discovery v8 is £220 a year to tax :y

And i was led to believe that all 4x4s were £400 plus for road tax , that has seriously opened up the buying market for me  :o

I've read the first few posts here and reference historic and soft top crossed with the British summer, get a classic car with a vinyl roof, looks like a soft top, cheaper to insure and with the weather, it wouldn't need to go down anyway :-p

There is an omega picture some where which has had a black vinyl roof applied ..looks quite nice  ;)
Title: Re: Soft Top
Post by: symes on 17 December 2012, 20:24:52
for some reason 4x4's are cheaper to insure. >:(

But the road tax is a lot more isn't it ? Friend of mine pays over £400 a year  :(



not mine it is £ 20 cheaper than the omega :y


makes no sense

My Discovery v8 is £220 a year to tax :y
for some reason 4x4's are cheaper to insure. >:(

But the road tax is a lot more isn't it ? Friend of mine pays over £400 a year  :(



not mine it is £ 20 cheaper than the omega :y


makes no sense

My Discovery v8 is £220 a year to tax :y
£220 dearer than my 2 rovers :y