Four Wheel Drive Estate Cars - Page 2

codprawn · 21 June 2006, 02:12

Quote:

Originally Posted by Jimbo

No, but when I am 21 I can insure the car with Direct Line in mums name, and earn NCB on her policy. They won't add me to the car as it stands.

I will try Sainsbury's - NFU said I had to be 25 or have family business with them to get insurance.

Just because you dont have any NCB doesnt really mean much - some companies will give you a 50% intro anyway!!!

Searider · 21 June 2006, 09:58

Quote:

Originally Posted by codprawn

Just because you dont have any NCB doesnt really mean much - some companies will give you a 50% intro anyway!!!

But possibly not if you've got a claim pending!!!!!!!!

Searider · 21 June 2006, 10:01

Have you tried the specialist landrover insurers in the back of the landie mags? Landrover Owner etc?

If the Landrover is old enough (10 years ish depending on company) they will consider a classic policy. Limited mileage, possibly no business use. The point about these policys is that they don't usually have NCB attached to them as they are intended for second cars. None to build up = none to lose?

However, having said that perhaps your high quotes are because you've had an accident and because of your age.

Ah, just read your profile - I guess insurers don't like students either.

Happy hunting

Rogue Wave · 21 June 2006, 10:07

I can understand the insurers no liking students but in Jimbo's cae it's the fact that he's a rear ender

that's the issue!

Jimbo have you looked at making the vehicle a company vehicle belonging to Davies coaching and insuring it throught the company!

Jimbo · 21 June 2006, 13:22

Quote:

Originally Posted by Rogue Wave

Jimbo have you looked at making the vehicle a company vehicle belonging to Davies coaching and insuring it throught the company!

good suggestion rogue. Anybody got any horror stories/reccommendations for company car insurers?

Jimbo · 21 June 2006, 14:28

Cheers Rogue, company insurance was the way forward, and I am insured again!

PeterR · 21 June 2006, 16:02

Glad your sorted

Nos4r2 · 21 June 2006, 18:00

Quote:

Originally Posted by Nasher

Jimbo

I'd suggest looking for an old Sierra 4x4 Estate, just because I like them better than the Mondeo, but don't know what insurance group they are now.

Horrendously high- I had a 2.8i 4x4 Sierra estate a few years back and it was 3 times as much for TPFT as on a normal 2 litre 2wd. It was a hell of a beast to drive though-I loved it.

15mpg again though

Rogue Wave · 21 June 2006, 18:49

Quote:

Originally Posted by Jimbo

Cheers Rogue, company insurance was the way forward, and I am insured again!

just put it down to experience buddy

I am pleased cos you would have regretted letting the Disco go. BTW have you seen what happens when you click on my link! you couldn't have a chat with young Ben could you! ta

Andy_Rs600 · 21 June 2006, 18:51

Quote:

Originally Posted by Nasher

I don't think any of them have a low ratio box either.

All the non-turbo vehicle have a low ratio box. That is, 2.0 impreze, 2.0 legacy and 2.0 forester. Anything which is not the standard 2.0 4 cylinder has a turbo, and no low ratio box, thus you would need an auto....

Quote:

Originally Posted by Nasher

I had an imported Legacy GT (Twin turbo) for 5 years, it towed my old Flatacraft Force4 very well, but did about 15 mpg and got through tyres, brake pads, clutches etc at an alarming rate. Oh, and was a group 19 insurance

The newer ones are much better, as long as you stay away from the STi/Rn/XT vehicles, which still eats parts a bit.

Quote:

Originally Posted by Tim

I've towed and launched a Humber Ocean pro 6.3 with it

Surely not legal? A 6.3 must be going for at least 1200kg on the trailer. Even if that was what the trailer plate said, i can't beleive a 1.6 Focus is allowed to tow that.

ADS · 21 June 2006, 19:22

Quote:

Originally Posted by Jimbo

No, but when I am 21 I can insure the car with Direct Line in mums name, and earn NCB on her policy. They won't add me to the car as it stands.

I will try Sainsbury's - NFU said I had to be 25 or have family business with them to get insurance.

I was under the impression that your insurance is invalid if you insure your own car in your parents name with yourself as a named driver, if it is actually you personal car, the insurance lot call it 'fronting'.

Jimbo · 21 June 2006, 19:37

I would have had to register it as Dads car, i.e. put the V5 in his name. I was insured on my Mini as a named driver on mums second car policy, and when somebody drove into me the insurance was not a problem (especially as it was Mum in her "other" car that hit me!).

ADS · 21 June 2006, 19:40

Quote:

Originally Posted by Jimbo

I would have had to register it as Dads car, i.e. put the V5 in his name. I was insured on my Mini as a named driver on mums second car policy, and when somebody drove into me the insurance was not a problem (especially as it was Mum in her "other" car that hit me!).

Thats how I understood it, until I read this:

http://www.maxpower.co.uk/forum/topi...TOPIC_ID=62142

Jimbo · 21 June 2006, 20:26

Quote:

Originally Posted by ADS

Thats how I understood it, until I read this:

http://www.maxpower.co.uk/forum/topi...TOPIC_ID=62142

Alex, that was quite informative - many thanks. It doesn't affect me now that I have insured the car through my business, but I will be passing it onto dad for my younger sisters benefit.

ADS · 21 June 2006, 20:49

Quote:

Originally Posted by Jimbo

Alex, that was quite informative - many thanks. It doesn't affect me now that I have insured the car through my business, but I will be passing it onto dad for my younger sisters benefit.

No problem Jimbo, it was enlightening for me too! Usually I take something I have read off a forum with a pinch of salt, but this guy appears to be in the insurance industry and a contributor to Maxpower magazine on insurance matters. Good news you don't have to give up the Landy

slimtim · 21 June 2006, 23:36

Couldn't be arsed to read all this thread, so something similar may have been mentioned...

Jimbo, that quote sounds insane! Try Churchill. My first insurance (i've always been on my mums up until feb this year) was £540 fully comp for an n reg golf 1.9TDI. One of the big bonuses of churchill is that their trailer cover is much better than most. They will insurance the trailer AND the boat third party (most seem to only do the trailer) and they will insure it if it come off your car.

I had no no claims but have also never had an accident and am a bit older than you at 23. Don't fool for the "no claims accelerators" offered by norwich union etc. These let you build up a "years" no claims in only 10 months but if you decide to leave them after a year, they will give you a letter saying you have 10 months no claims...I don't reckon any other insurance company will accept this as a year so they are only any good if you know you'll stay with the same people.

hope that helps!

EDIT: just seen you have sorted it? Never mind, perhaps that is useful to someone else! I should really read a whole thread first...

thorper · 22 June 2006, 10:34

Jimbo

Andy and I used to launch greyhound at the camber using his old front wheel drive 1.6 cavalier - sometimes you had to sit someone over the front wheels for traction when the tide was right out, but it always got up without any problems. Your best bet is to buy an old vectra or mondeo diesel and tow with that.

Andy now drives an A4 tdi quattro, which pulls it out no problem, but its a pricey set of wheels.

Ricky

mdt · 22 June 2006, 10:52

Quote:

Originally Posted by thorper

A4 tdi quattro, which pulls it out no problem,

Snap and is fantastic at launching and recovering even up a grassy and sandy slope.
However the old Audi 80 & 90 had a locking centre Diff. something missing from the newer ones. An old 90 Quattro is pocket money now a days and will out last any similar age cavalier?

Jimbo · 22 June 2006, 11:22

Quote:

Originally Posted by thorper

Jimbo

Andy and I used to launch greyhound at the camber using his old front wheel drive 1.6 cavalier - sometimes you had to sit someone over the front wheels for traction when the tide was right out, but it always got up without any problems. Your best bet is to buy an old vectra or mondeo diesel and tow with that.

Andy now drives an A4 tdi quattro, which pulls it out no problem, but its a pricey set of wheels.

Ricky

Cheers Ricky - when I initially had my insurance problem, I thought it was mainly due to the nature of my car! However, having run up several quotes, the major problem is my accident, so anything would have cost a bomb. Hence, keeping the landie!

I'd love an A4 quattro, need to teach a fair few more PB courses before that's on the cards!