karlgurney Posted August 9, 2003 Share Posted August 9, 2003 I know this has been covered before and that every individual case is different but i'm after your opinions, as a lot of people i know have never dealt with kit car insurance, i have a 2l twin 45 webber pinto'd westy. i"m 23 have 3 years no claims and 3 points sp40, my fiance is 21 and will have 2 years no claims next month (clean lisence), i have rung around all the companies in the mags (kit car and which kit?) and have had various quotes ranging from 996 quid down to 330 quid, for 3000 limited miles valued at around 10 grand, a lot of companies wouldn't insure me as i'm under 25, and some of the lowest prices i got wanted me to fit a thatcham 2 approved immobiliser. Any ideas do i have a bargan? cheers karl Quote Link to comment Share on other sites More sharing options...
perksy Posted August 10, 2003 Share Posted August 10, 2003 Karl If you have tried all the usual specialist insurers theres probably not much more that you can do. Cheapest isn't always the best and it can pay to ask question regarding small print etc. As for the quote you have received, my apprentice at work is paying £1200 a year on an XR3 i You will be having more fun in your westy than he will in his XR3 i Quote Link to comment Share on other sites More sharing options...
MARSDALEBEAR Posted August 10, 2003 Share Posted August 10, 2003 Try Roadsure.And before anyonr else tells you.....do a search Quote Link to comment Share on other sites More sharing options...
peterrosey Posted August 10, 2003 Share Posted August 10, 2003 I'm 31 living in Notts (high crime rate GRR) and paying £400 for a Megabusa agreed value £19K, limited 3,000 miles with Backford Bloor. Hill House Hammond gets recommended on this forum, as does Footman James, while most people agree Adrian Flux should be avoided (and from my own experience I'd avoid 'em). Make sure you compare like-for-like quotes in terms of excess and I'd fit a Thatcham Cat 2 immobiliser irrespective. Quote Link to comment Share on other sites More sharing options...
Blatman Posted August 10, 2003 Share Posted August 10, 2003 and I'd fit a Thatcham Cat 2 immobiliser irrespective. Interesting. Why? Quote Link to comment Share on other sites More sharing options...
Liam Posted August 14, 2003 Share Posted August 14, 2003 I've just done an exercise to see if my renewal with Footman J was in the park. 2ltr Pinto;£8500;one old and grey driver one 26 year old;Peterborough;garaged;4500mls - prices ranged from £850 down to £218 (6000mls-Firebond 08704 440556); there were also some that professed to be kit car and young driver specialists who wouldn't even quote! I stayed with FT @£265 as their cover includes legal x's and breakdown cover and adding these to the cheapest made it more expensive. Quote Link to comment Share on other sites More sharing options...
peterrosey Posted August 14, 2003 Share Posted August 14, 2003 Interesting. Why? For the simple reason that the back of a Westfield steering wheel lock is the easiest thing in the world to bypass. I also use a think link motorbike chain and lock, plus removable steering wheel and battery master switch. Quote Link to comment Share on other sites More sharing options...
peterg Posted August 14, 2003 Share Posted August 14, 2003 I also use a think link motorbike chain and lock, plus removable steering wheel and battery master switch. Big chain and lock is a good idea, master switch is the easiest thing in the world to bypass and a removable steering wheel is only a deterrent if you remember to remove it (take it from someone who knows.... ) but having said that, these cars are not stolen often (they're more likely to be after your trailer ) Quote Link to comment Share on other sites More sharing options...
peterrosey Posted August 14, 2003 Share Posted August 14, 2003 Yep there's only so much you can do on a car that has all its electrics on display with no doors or roof. And Rotweilers leave too much slobber on the seats...! Quote Link to comment Share on other sites More sharing options...
Blatman Posted August 14, 2003 Share Posted August 14, 2003 Fair enough. I thought that for a Thatcham Cat2 immobiliser to be "insurance approved", it had to cut 3 or 4 seperate circuits. I didn't/don't think that is truly possible in a Westfield, especially a BEC with no ECU (making the assumption), hence my curiosity...... Quote Link to comment Share on other sites More sharing options...
karlgurney Posted August 17, 2003 Author Share Posted August 17, 2003 cheers for the replies everyone gonna have to make some more phone calls, it just iritates me so much how they can all be so different in price and you don't really no what your getting for you money till you try making a claim. Quote Link to comment Share on other sites More sharing options...
peterrosey Posted August 18, 2003 Share Posted August 18, 2003 According to some Thatcham blurb I've read a Cat 2 device has to cut at least two separate circuits and be professionally fitted with a VSIB certificate to gain insurance company approval. As my immobiliser worked out at £200 pro fitted or £50 DIY, guess which I chose! Quote Link to comment Share on other sites More sharing options...
Blatman Posted August 18, 2003 Share Posted August 18, 2003 Ah, I see. I obviously mis-understood the Thatcham requirements. Ta........ Quote Link to comment Share on other sites More sharing options...
peterrosey Posted August 18, 2003 Share Posted August 18, 2003 It's all a bit of a con anyway: Thatcham is funded by the insurance companies and VSIB membership costs each dealer around £2,000 + a year. The words 'vested' and 'interest' spring to mind... Quote Link to comment Share on other sites More sharing options...
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