Classic Insurance (split from 'Mint 17TGD For sale')

Post by **Tim Leech** » Tue Sep 13, 2011 7:49 pm

ken newbold wrote:I have a few details which have been given me over the phone on this, so please don't take as gospel but won't be far off.

Mileage is about 100k
Tax till December
MOT June 2012
2 owners from new.
Loads of service history (may be complete)
CD player, rear headrests.
Price £600 ono.

Location Leeds

I should have a phone number later tonight or tomorrow.

The young guy who owns it has been paying a staggering amount of money for insurance but now is getting a flat very close to his work, so won't need the car, or the expense.

Still amazes me that people dont think to try classic insurance for BX's! I imagine hes got a shiny new pad with her indoors so the motor has to go!

mds141 · Post by **mds141** » Tue Sep 13, 2011 11:04 pm

Tim, would it be eligible for classic insurance being a K plate. IIRC needs to be 21yrs old to qualify, but i could be mistaken.

Post by **Tim Leech** » Tue Sep 13, 2011 11:14 pm

mds141 wrote:Tim, would it be eligible for classic insurance being a K plate. IIRC needs to be 21yrs old to qualify, but i could be mistaken.

worth a try Mark, my 1991 19TZD is on with footman james.....

ragger · Post by **ragger** » Tue Sep 13, 2011 11:43 pm

With regard to "classic" insurance, it seems to me the key element is the possession/use of another car as a daily driver. Additionally, the insurer will want a mileage cap and a number of exclusions such as no driver under the age of 21.
As with all insurance policies, phoning around and comparing prices and policies pays dividends, but the comparison sites are of no use for this more specialist niche.
At the moment I have my V6 XM on a multi-car policy with Admiral and so it is earning me some no claims in addition to the no claims I have on my modern car - classic policies do not usually award a no claims bonus in my experience.

Getting back to the BX, I am very tempted, since it is almost local! There seem to be so few older Cits north of the M62.

Rob

mds141 · Post by **mds141** » Wed Sep 14, 2011 12:08 am

Just tried "compare the market.com".
Fully comp cheapest price=£155.
TPFT cheapest price=£324.

ragger · Post by **ragger** » Wed Sep 14, 2011 12:13 am

That seems to be a current trend, but one with no consistency.

Rob

mds141 · Post by **mds141** » Wed Sep 14, 2011 12:41 am

Only pay £99 fully comp for the valver.

Mothman · Post by **Mothman** » Wed Sep 14, 2011 5:54 am

I believe the best Company for multi car policies is the NFU.

Andy

CGATCX25GTITURBO · Post by **CGATCX25GTITURBO** » Wed Sep 14, 2011 8:04 am

I'll raise you

I completed the what modifications have been done section

Below is how it is today including a rebuild of the tired engine through the course of 2007/8
2500 cc
M25 662 Citroen OE engine (brand new old stock stripped and rebuilt 2007/8)
Lightened and Balanced bottom end
Forged JE pistons and Total seal piston rings
Re profiled standard cam and non Citroen valve springs replacing the Mai konics version (I have both Mai konics profiled cams on a shelf)
Gas flowed 'using a flow bench' and ported refitted cylinder head, replacing the Mai konics version compression is around 6.5:1
Remote thermostatic oil filter and 19 row oil cooler
Mai konics T2 flywheel with new Helix clutch
8 injector twin airflow meter fuelling (using 2* T1 OE injector sets) reworked throttle body
Twin green cone air filters
Bosch 044 fuel pumps
FSE Bullet fuel filters
Aeromotive fuel pressure regulator
Atec Stainless fuel hose and alloy fittings
RS500 intercooler
T3/4 hybrid water-cooled Garret turbo 'old tech'
HKS SSQV bov
up rated waste gate spring
Samco and other silicone hoses air and water
Powerflow stainless steel exhaust.
MSD ignition, coil and leads
NGK B9HV plugs
Citroen CX Diesel T2 crown and pinion in a GTI Turbo gearbox, this was brand new in 2000
Rose jointed gear selectors
Wizards of NOS direct port Nitrous
Dotz Hanzo Wheels

I went with Adrian Flux.... which appears to be a little cheaper

Post by **Defender110** » Wed Sep 14, 2011 8:56 am

ragger wrote:With regard to "classic" insurance, it seems to me the key element is the possession/use of another car as a daily driver. Additionally - classic policies do not usually award a no claims bonus

Rob

Yes these are the points a lot of people appear to be oblivious to with classic car policies; They won't issue No Claims bonuses on classic policies because most are additional to a main everyday car policy which your No Clains are linked to.
My TGD Auto is on a very cheap classic car policy but I have my Mitsi L300 on a main policy (with a different company) if I try to insure my TGD Auto as my only car it is 4 times the price of the classic policy

Additionally the wife can't insure the TZD on a classic car policy as it is her only car.

Dollywobbler · Post by **Dollywobbler** » Wed Sep 14, 2011 2:00 pm

I disagree. I seem to have all of my cars on one classic policy. I don't own any other cars. I am a named driver on my wife's car, but I've never told the insurance company that.

Yes, the lack of NCD is a pain, but then premiums are a lot, lot cheaper - and it stops me from buying something modern, like that Alfa Romeo 156 JTD I spotted a while back...

Post by **Defender110** » Wed Sep 14, 2011 3:40 pm

Dollywobbler wrote:I disagree. I seem to have all of my cars on one classic policy. I don't own any other cars. I am a named driver on my wife's car, but I've never told the insurance company that.

Yes, the lack of NCD is a pain, but then premiums are a lot, lot cheaper - and it stops me from buying something modern, like that Alfa Romeo 156 JTD I spotted a while back...

I would suggest checking the wording of your policy or ring your insurance company to make sure it is a stand alone policy.

Dollywobbler · Post by **Dollywobbler** » Wed Sep 14, 2011 6:19 pm

Defender110 wrote:
Dollywobbler wrote:I disagree. I seem to have all of my cars on one classic policy. I don't own any other cars. I am a named driver on my wife's car, but I've never told the insurance company that.

Yes, the lack of NCD is a pain, but then premiums are a lot, lot cheaper - and it stops me from buying something modern, like that Alfa Romeo 156 JTD I spotted a while back...
I would suggest checking the wording of your policy or ring your insurance company to make sure it is a stand alone policy.

I have done. No problems. I've owned only classics for years now, and had them insured with different companies, and have never required a 'modern' policy as well.

Matt H · Post by **Matt H** » Thu Sep 15, 2011 9:47 am

I have to say, I've not found anybody who will issue me on a classic policy of any kind. Even as a second car, because I don't store my car in a garage. I have been told the driver has to be 21 years old minimum by some companies, and 25 by others. The age of the car seems unimportant in most cases. A Citroen BX is a classic. No quibbles. If anyone says it isn't, then I wouldn't trust my insurance with them.

And back on topic... The car looks bonny. Might be interested actually. Will need something comfortable and frugal for a few months

Will involve selling one of my cars, so I won't make any serious enquiries until I actually can do something... But if it's still around in a couple of weeks then will.

Post by **Tim Leech** » Thu Sep 15, 2011 10:14 am

Matt have you tried Footman James?