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[SJKOO01]

Looking for a bit of support from fellow OOF’ers to be honest...

Up and till a last few days ago I had loads of interest in driving my ex police mig, love the v6 and power, though have to say that I’m starting to lose interest in the Mig all thanks to how my car insurance renewal premium has come out yet again  .

I know it happens to all of us, every year we get our wonderful renewal quote and it normally starts all over again, trying to find a cheaper quote as they’ve gone and increased it yet again.

All I wanted to do is insure my ex 3.2 police car with a few simple mod’s (mv6 wheels, Irmscher boot spoiler, spotlights and with a limited up to 5k a year mileage.
I’m 45, double figure NCDs, live in a relative low risk area and my quote was originally around £600 TPFT with the company I'm with!  Quick call to the insurance company and amendments and get it down around £400, which is better I admit.

I've tried that ‘bemused.com’ site, no chance, comes out around £700 mark and pretty much so does everywhere else I've tried!
Had one so-called reputable firm whom specialises in modified cars and the insurance firm wouldn’t insure me for anything less than fully comp, which came out around £1200... Jezz.
I’ve tried almost everywhere and for the moment, still can’t get it better than the £400 mark for TPFT.
I don’t know, perhaps I am losing touch with the car market these days.  But does this quote actually seem expensive to you lot?

I really do like driving the Omega, but it’s becoming a bit of a joke now and I’m starting to lose all interest in cars altogether, thanks to the way that insurance being what I think is now become a total and blatant rip-off in the last two years  :-/.
What’s the point of building / modifying something if you can’t drive it on the road without paying over the odds for limited mileage policy?

Did have big plans for the car, but if that’s how much they’re after with minor mods, it’s going to be a non-starter for what I have planned for it.  The intention was collecting all the bits I want, take it off the road, do the modifications, then back on the road once it’s all done with fully comp to cover all that’s been done... fat chance it’s going to happen at this rate.

Now feel I’m in a bit of a quandary?
Do I just shut up and just pay the damn £400 and keep it for another 12mths, sell it and down grade back to a 4cyl Omega and forget the whole project altogether or call it a day with regards to owning an Omega full stop?
And I know if I go and sell it I won't get much for it as large Capacity Omegas with low spec are worth Sweet nothing these days  :-/

To be honest, how I’m feeling now the last one seems the better option.  As owning and modifying a car these days isn’t as much fun and rewarding as it once was for me.  I don’t know, maybe it’s how I’m feeling at the moment, guess I’ll have to have long think about which direction to go in now?

[Andy B]

You're getting quotes for TPF&T, I see that you got just one rediculous quote for fully comp, but by & large at your/our/my age  it doesn't usually make it any cheaper going for 'just' TPF&T.
Is it the fact it's a 'modified' car or due to being a large capacity car that's loading your premiums. I'd had quote of £500 & £600 and more for just the Omega too, although I think my postcode doesn't help.

[Stallion]

I don’t know, perhaps I am losing touch with the car market these days.  But does this quote actually seem expensive to you lot?

Personal view that quote does seem pretty reasonable and not because i pay £700, but taking your stats into consideration...

Do I just shut up and just pay the damn £400 and keep it for another 12mths, sell it and down grade back to a 4cyl Omega and forget the whole project

your only saying that hoping to run and maintain the 4pot will be cheaper, yes it might be a little! But not that you still wont see the dent on your wallet anyway.
And as you had soo much hope to get the 3.2 on road, if you get back into the 4pot you will definitely fell something is MISSING.

?

Im sure you know omegas have high running/maintaining costs. And every individual OOFer on here must have stacks full of receipts that they spent on their Miggy but they appreciate driving their Miggy.
whats going to make you FEEL GOOD!! 

[aaronjb]

I can't remember the last time I paid less than £600 to insure a car.. and that only lasted a year until I modified it 

[Radar]

Hang in there, keep hunting around and i am sure you will get a satisfactory outcome. (Maybe multicar options if other vehicles are in the household?)

[Stallion]

Hang in there, keep hunting around and i am sure you will get a satisfactory outcome. (Maybe multicar options if other vehicles are in the household?)

Overall insurance has gone up, and the quote given here does sound reasonable! 

[cleggy]

Mine was just over £400 this year with Saga, full and protected NC, with 6 points and a claim( in the last 4 years) for Fully Comp. Which is reasonable when I compared other companies they all came out around the same.

[blackviper90210]

Hi Mike, like you I'm 40 odd full NCD, clean licence etc etc. I'm with Swintons at the moment and have been for 3 years now. I'm paying just under £500 fully comp iirc. Thats with No voluntary excess and £100 compulsary and 5k mileage limit.

It was £350 last year, so peeved this year, but after reading other peoples quotes, maybe it's not so bad 

Give them a call if you haven't already?

I can give you my insurance reps office number if you want it and give them my details, they may give a discount 

[tunnie]

I'm doing insurance quotes for 3.2 Elite  - Average cost appears to be around £500, i'm 27 with 10 years NCB

[Marks DTM Calib]

A quick question.....what does your log book state the car is?

As mv6 wheels and Irmscher boot spoiler may ve considered standard fit for the vehicle quoted on the log book.

[aaronjb]

I'm doing insurance quotes for 3.2 Elite  - Average cost appears to be around £500, i'm 27 with 10 years NCB

Which post code do you give them? Then again, 10yrs NCB will bring it down I guess (I only have 2 on the Elite's policy, 10+ on the MR2)

[edit] That sounded a bit accusatory I just know that you keep the bike somewhere other than in London (right?) and I guessed it has a much lower insurance loading than W7.. because otherwise that sounds like a great quote for where you live

[YZ250]

For my 3.2 elite I'm fully comprehensive with full protected NCD and I pay a tad under £300 with Admiral (age 49). That's with the jetex stainless exhaust declared and on the certificate and with third party entitlement to drive other vehicles and bikes not belonging to me. Car is kept on driveway (thought I was pushing my luck to say that four cars and a motorbike were kept in our single garage  ).

Must be our posh postcode that keeps it down 


Regards
Alan

[Webby the Bear]

mine's with RAC. fully comp and includes full RAC cover in the UK. £60 a month as tesco wanted to charge me £870 for the renewal year  thieving so and so's!

don't take this the wrong way but £400 equates to just over £30 a month. if that disheartens you what are you going to do when the bill comes in for the mods/parts etc?  :-/

if i were you i'd sell the mig and get a kia picanto or something really small. cheap to run and cheap insurance! 

[TheBoy]

£246 FC, protected NCD, declared LPG on 03 3.2 Elite LT Auto.

[Entwood]

Have you tried Adrian Flux ??

http://www.fluxdirect.co.uk

I insure a 3.2 Elite with FULL Irmscher body kit and LPG for £239 a year fully comp

(mind you I'm a KOS ..     )