im 17 years old, and im insured for £790 a year on a 1987 1.3 escort with a company called Footman James. i got 0 ncb and this was my first insurance policy. i was amazed my mates are all paying £3000 ish on saxo's and 106's which are a bit boring. not like old school fords! to qualify for footman james the car has to be 20 years old and insurance group 1-3. give them a ring on 0843 357 1908, just thought i'd share that bit of good news

 

Not bad im hoprfully going to get one in the near future will give these a try.

 

lol nice one mate. just been getting insurance for my rs and am getting some good qoutes 650 cheapest so far and am 22 with 2 yncb.

joe

 

Thought you had to be 25+ years old to get insurance with these?

 

for an online quote yeah, but ring them up and they insure you (:

 

Not true with FJ you have to be 25+ IF you want to insure a performance car etc, however if it's a reasonable classic which the OP'S car is then it's 17. At the other end of the scale you can't be to old I.E 75+.

Good on you, glad to see someone who doesn't follow the usual route!

Martin

 

Very good advice there and (assuming it is all correct) well done on obtaining insurance at a realistic price.

 

Cheers for that. Just got a 1988 fiesta myself so I'll give them a ring.

 

Speak for yourself, my insurance was over £2000 when I got my 1.3 Escy at 17. And after an accident in a Capri (got to be done), a year later, it still is!

 

Only thing about classic car policies is that you don't earn ncb, and you can't drive other peoples cars.

Having said that, I'm 19, and have been driving my 1990 Mini Studio 2 since i passed my test at 17. I paid £550 last year, and i'm expecting it to go down in april, when i renew.

Even better, my car's a 1.3 and will kick a modern hatchback's arse!

 

nice one
classic insurance seems the way to go if you're after a bargain. it shocks me how much some new drivers are quoted, where do they get the money from? having said that, the cost soom plummets once you get some NCB built up.

 

You don't get the "Third Party Extension" anyway in the majority of cases anyway, especially as a young driver as in nearly all cases you have to be 25 or older and be fully comp to do so.

People also misunderstand this massively, it's basically designed for emergencys or one offs, there are many restrictions imposed, I.E the car cannot be owned by yourself nor can it be a hire car etc. Most companies are stopping this full stop as alot of people were abusing it, I.E insurance fraud! Also it only covers you for the bare minimum for you to be legal on the road, so if the car gets stolen for example you would not be covered!

Martin

 

/\ if the car was stolen in that case the true owners insurance would cover it.
some classic policies acrue NCB's although may not be taken into account for renewal on a classic policy.
third part extension is a dying breed due to abuse, been there done that but have proper cover now even on a borrowed car.

 

Thats the theory and thats what should happen but I bet in practice that isn't gurenteed, as they would ask what business the car had being at the location it did at the time it was stolen, bearing in mind insurance companies will do everything they can to not pay out in the majority of cases if they believe they can, it's difficult enough to make a claim under normal circumstances when your fully insured.

Martin

 

Just rang them up for a quote for when i pass 1.3 1984 Escort Third party fire and theft was £1388 for the year, or £2700 fully comp. Thats with doing about 4-5k a year but they said i will have to join an escort owners club to obtain the insurance?

 

im 19 i pay 1700 for my 1993 fiesta and its the sapphire lx 1.3 ouch lol

 

im 17 and i pay 879.67 for a y red 1.8 escort van

 

i insure with these but when my policy runs out in april they wont renew as they wont insure cars that are too modified on a classic policy anymore, i was only payin 122 a yr tho