Omega Owners Forum

Chat Area => General Discussion Area => Topic started by: SJKOO01 on 24 September 2010, 20:59:59

Title: You want how much - Specialist car Insurance !!
Post by: SJKOO01 on 24 September 2010, 20:59:59
Bought an ex cop 3.2 special saloon bout could of weeks ago.  Needs a bit of work to bring it up nicely.
But have plans to mildly customise it late on.

Phoned a specialst insurance company up today, told them how I plan to customise it, but for now just want cover on the car in standard form as TPFT, but with 5000mile limited milage as it's not my main vehicle.  And for now just want to drive it around and get to check all is okay.


Well to cut a long story short.

Standard car (listed as special on the log), but they gave me a choise of through as an elite or mv6, I figured it would be mv6.

I'm 43, no criminal convictions, clean licence, etc.

It's got factory security

It'll be garaged when not in use.

Was told as it's a 2nd vehicle, then I'll have to start off with Zero NCB, etc.  And a few other things explained.

Okay I say.... Can you wait while I check they say.....

And the quote I got back was........
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£1,200  :o

break !.  Was looking around to see if I was on some Candid Camera or something !. Jeezz.... it's more than I paid for the car !!  :-/ .

Fair play the chap did say, that the quote that came back on the system was absolutely rediculous before he told me... and said he was sure that he could get a much better quote by contacting the company personally to see what they say ?  :-? .

Certainly hope so, otherwise the project may have to be sold, even before I get it off the ground if it's going to be that silly  :'( .

Only other option is to get rid of my 2.2, and take on the 3.2 as my everyday car.
I knew the 3.2 would be somewhat more expensive on the insurance, but not quite that much !!.

I guess we'll see what happens next week when they get back to me ?!  :( .
Title: Re: You want how much - Specialist car Insurance !!
Post by: scimmy_man on 24 September 2010, 21:02:28
"Cough" classic car insurance? ::)
Title: Re: You want how much - Specialist car Insurance !!
Post by: Broomies Mate on 24 September 2010, 21:04:48
Quote
"Cough" classic car insurance? ::)

On a ~10 year old car?
Title: Re: You want how much - Specialist car Insurance !!
Post by: Mysteryman on 24 September 2010, 21:04:58
Just about everyone gets 75% No Claims Discount. That would take it down to £300. You need to drive just one car, take your choice.
Title: Re: You want how much - Specialist car Insurance !!
Post by: Kevin Wood on 24 September 2010, 21:05:47
£280 for 7.5K miles Fully Comp on a 200BHP Westfield. :y

If you're going to drive a "Specialist" car it's worth going the whole hog. ;D

Kevin
Title: Re: You want how much - Specialist car Insurance !!
Post by: Vamps on 24 September 2010, 21:48:04
2nd car you say, I have just taken out a Multi Car insurance with Admiral, they wanted an extra £70 over my current renewall but it took  £500 off Master Vamps Quote so a no brainer really.... :y
Title: Re: You want how much - Specialist car Insurance !!
Post by: scimmy_man on 24 September 2010, 22:01:14
Quote
Quote
"Cough" classic car insurance? ::)

On a ~10 year old car?


a mate insured a new TVR on a classic policy
Title: Re: You want how much - Specialist car Insurance !!
Post by: Tony H on 24 September 2010, 22:06:45
Quote
Bought an ex cop 3.2 special saloon bout could of weeks ago.  Needs a bit of work to bring it up nicely.
But have plans to mildly customise it late on.

Phoned a specialst insurance company up today, told them how I plan to customise it, but for now just want cover on the car in standard form as TPFT, but with 5000mile limited milage as it's not my main vehicle.  And for now just want to drive it around and get to check all is okay.


Well to cut a long story short.

Standard car (listed as special on the log), but they gave me a choise of through as an elite or mv6, I figured it would be mv6.

I'm 43, no criminal convictions, clean licence, etc.

It's got factory security

It'll be garaged when not in use.

Was told as it's a 2nd vehicle, then I'll have to start off with Zero NCB, etc.  And a few other things explained.

Okay I say.... Can you wait while I check they say.....

And the quote I got back was........
v
v
v
v
v
v
v
v
v
v
v
v
v
v
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v
v
v
v
v
v
v
v
£1,200  :o break !.  Was looking around to see if I was on some Candid Camera or something !. Jeezz.... it's more than I paid for the car !!  :-/ .

Fair play the chap did say, that the quote that came back on the system was absolutely rediculous before he told me... and said he was sure that he could get a much better quote by contacting the company personally to see what they say ?  :-? .

Certainly hope so, otherwise the project may have to be sold, even before I get it off the ground if it's going to be that silly  :'( .

Only other option is to get rid of my 2.2, and take on the 3.2 as my everyday car.
I knew the 3.2 would be somewhat more expensive on the insurance, but not quite that much !!.

I guess we'll see what happens next week when they get back to me ?!  :( .
:o :o :o
Title: Re: You want how much - Specialist car Insurance !!
Post by: feeutfo on 24 September 2010, 22:11:07
Wonder how much to insure a v8 omega?  :'(
Title: Re: You want how much - Specialist car Insurance !!
Post by: damon80 on 24 September 2010, 22:24:47
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Wonder how much to insure a v8 omega?  :'(

I take it you've seen that one on PH too Chris??  ;)
Title: Re: You want how much - Specialist car Insurance !!
Post by: joshwyatt on 24 September 2010, 22:27:41
That's crazy money Mike  :o
I'd try elephant.co.uk and tell them you're an antique dealer...as apparently that's a low risk occupation  ;D
Title: Re: You want how much - Specialist car Insurance !!
Post by: SJKOO01 on 25 September 2010, 19:39:52
Quote
2nd car you say, I have just taken out a Multi Car insurance with Admiral, they wanted an extra £70 over my current renewall but it took  £500 off Master Vamps Quote so a no brainer really.... :y


I tried Vamps advice on giving Admiral multi-car policy a try?.  So went online to see what kind of result I'd get from it ?.

Very surprised, by it  :o
For the 3.2 ex-police special, it came out at around £532 TPFT even with me stating Zero NCB's, and with it being fitted with lowered suspension, modified interior, and exterior changes (spoiler & non-standard grill).

Not only that, on my everyday car (2.2), fully comp, with occational business use, it came out with a saving over £220  :o .

Going to wait and see what the specialst insurance company comes back with on Monday, and if they can't do a good deal on the 3.2, guess I know where I maybe going ?!.

Josh,
Will try elephant insurance tomorow, & see what they say as well ?.  :y
Title: Re: You want how much - Specialist car Insurance !!
Post by: david036 on 25 September 2010, 19:51:21
That seems a bit steep tpft!!
Have you tried Steevange Insurance Services?  Had a few cars insured through them and have allways been really good value even with young drivers on the poicy o even worse no no claims!!
Title: Re: You want how much - Specialist car Insurance !!
Post by: Mr Skrunts on 25 September 2010, 22:13:54
I am with Admiral MC Elite 3.0 amd 2.5 GLS (Full NCD Elite and 3years on GLS) cost me £430/470 ish the last 3 years, even though the NCD is getting better on car 2 the premium does seem to budge.  :-/
Title: Re: You want how much - Specialist car Insurance !!
Post by: Danny on 26 September 2010, 13:04:50
all insurance companies are trying their luck with everyone, my mate's policy doubled on his polo (second car) from £500 on its first year to £1000 with a years no claims

his main car's a skyline

my insurance was £376 last year with 3 yrs ncd, renewal quote with an extra year was £831!!

managed to shop around and get it for £341
Title: Re: You want how much - Specialist car Insurance !!
Post by: Field Marshal Dr. Opti on 26 September 2010, 16:21:44
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£280 for 7.5K miles Fully Comp on a 200BHP Westfield. :y

If you're going to drive a "Specialist" car it's worth going the whole hog. ;D

Kevin


Jesus.....What is the power to weight ratio on that thing Kevin?....some big bike like figure no doubt... :y :y
Title: Re: You want how much - Specialist car Insurance !!
Post by: TheBoy on 26 September 2010, 16:33:00
Push Admiral, I bet they will allow you to start the 2nd policy with at least 3yrs NCB - I managed to start my 2nd policy with 5 ::)
Title: Re: You want how much - Specialist car Insurance !!
Post by: the alarming man on 26 September 2010, 17:20:02
omegas are expensive to insure £ 800 fully comp for a  2.2 sport i have 4 years ncb on a company car been driving about 20 years but i do have 1 x sp 30 (no ban though)  :y
Title: Re: You want how much - Specialist car Insurance !!
Post by: Entwood on 26 September 2010, 17:27:32
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omegas are expensive to insure £ 800 fully comp for a  2.2 sport i have 4 years ncb on a company car been driving about 20 years but i do have 1 x sp 30 (no ban though)  :y

Must dissagree ...  3.2 Elite costs me just £245 a year, fully comp, me (59) & SWTSMBO (55). I have 11 years no claim .. she has just 4 as she wrote her car off a while back.... she has a "clean" licence  .. I have 1 x SP30 (3 points £60).

The car has full Irmscher kit, LPG and a towbar .. all declared.

Insurer is Adrian Flux ... through Fluxdirect .. 

http://www.fluxdirect.co.uk/

Might be worth a try ?
Title: Re: You want how much - Specialist car Insurance !!
Post by: PhilRich on 26 September 2010, 17:38:35
Agree with Entwood, although the age/experience of the driver will play a large part. Mine is with Saga (don't laugh! ::)) & I paid less than £180 F/C with Courtesy Car, & no extra for LPG conversion although it is covered. I also have an SP30.  :y   
Title: Re: You want how much - Specialist car Insurance !!
Post by: aaronjb on 26 September 2010, 18:08:44
Yeah, if you're older than the universe it's quite cheap  :P  ;) ;D ;D (I'm kidding.. kidding!)

Mine's some £750 with Adrian Flux (on the 3.2 V6 - it was £650 on the older diesel!), but that is with whatever NCB mirroring they offered me (the other car is with 'Flux too - all mods declared costs me less than the Omega!) - really rather hoping it comes down a bit next year.. but probably not..

Not forgetting that location can play as large a part, if not larger, than the driver himself.. heck, a number of specialist insurers won't even quote on Manchester, for example..
Title: Re: You want how much - Specialist car Insurance !!
Post by: scimmy_man on 26 September 2010, 19:08:15
are you surprised? ;D
Title: Re: You want how much - Specialist car Insurance !!
Post by: the alarming man on 26 September 2010, 21:29:14
Quote
Quote
omegas are expensive to insure £ 800 fully comp for a  2.2 sport i have 4 years ncb on a company car been driving about 20 years but i do have 1 x sp 30 (no ban though)  :y

Must dissagree ...  3.2 Elite costs me just £245 a year, fully comp, me (59) & SWTSMBO (55). I have 11 years no claim .. she has just 4 as she wrote her car off a while back.... she has a "clean" licence  .. I have 1 x SP30 (3 points £60).

The car has full Irmscher kit, LPG and a towbar .. all declared.

Insurer is Adrian Flux ... through Fluxdirect .. 

http://www.fluxdirect.co.uk/

Might be worth a try ?


L.O.L that is with Adrain flux....they were the cheapest..thanks though :y
Title: Re: You want how much - Specialist car Insurance !!
Post by: Smiddy on 26 September 2010, 21:42:15
£1200!  :o :o

I'm 26, have 0 no claims, 3 points on my license for speeding in 2008.

My insurance for the 3.0 V6 Elite with about 10k miles a year, kept on drive way over night, the car is standard, fully comp with business travel cover (not just commuting) - £600 with admiral
Title: Re: You want how much - Specialist car Insurance !!
Post by: geoffr70 on 26 September 2010, 22:16:16
I'm 28, 4 yrs ncb, no points, no convictions, no claims, 3.0 elite (2000 f/l), 7k miles, on drive, £475, still bloody expensive though! (Elephant BTW)

I once paid £40 TPFT for 6 months for a 24v Senator! Beat that!