Cheap insurance

[M3Jimbo]

This wont apply to most of you old gits out there!
But if your young not got much no claims bonus and your
cars 15years old Try HIC (Herts Insurance Consaultants)
im not a salesman of theres just a long serving satisfied
customer!

Im 23 ive got an E30 M3 1989 valued Ԛ£8000 (i'd hope )
a speeding ban on my licence!

I choose the 3rd party fire and theft option because the car has been
tucked up in the garage for 7months which cast me a massive Ԛ£326
but if i want to upgrade to the fully comp package it woul have been
Ԛ£515!!

Can any of ya top this?

Only over thing is they asked me if i have another vehicle which i do!

Oh yeah one small thing!!
If you have got any no claims on the car you get it back to
use on another vehicle because the classic policy doesn't need or isn't affected by no claims bonus!
ALTHOUGH it does acru its own no claims bonus which you can have if you ever chage the policy!!

I thihnk its madness!!!!!!!

[jamesroools]

would you want to insure an m3 with less than fully comp, just imagine if something happend to it

[Zayyan]

Less than Ԛ£200 extra for fully comp....compared to the value of the car that's nothing!

[M3Jimbo]

It was in the garage at the back of my girlfriends house!!

The worst that could of happend was it was nicked or set alight!

So thats what i insured it for!! and saved myself Ԛ£200

When its back on the road i'll be changing to Fully Comp.

[nav786]

you got there number? cheers

[M3Jimbo]

HIC 01279 506090

They do loads of other stuff like trackday cover and classic rally cover
that sort of stuff

[Widge]

I drive a 325i I'm 22 have 2 yrs NCB and pay Ԛ£650 TPFT with churchill, do you recon HIC would be cheaper?

[M3Jimbo]

Definatly

[M3Jimbo]

well i cant promise anything but try them!!

[Widge]

Will give them a call in the morning, and if your right about the claims free, I might just switch even thought I dont have to renew till November. would like to have fully comp for the same price. Many classic polocies are only valid if you it is you second car, do you think this is the case with this one? Cheers mate

[billgatese30]

someone will have to clear this up for sure but i'm pretty sure they don't touch anyone under 19 i THINK......someone would have to ring and find out for definate though.

[Jhonno]

yeah no one under 19

[fastcarz464]

What about 19 year olds, im 20 in june so not long, drivin a 318i cab ,
will they insure me in my name?

[Jhonno]

yeah as far as i know 19year olds are fine.. they will insure you

they wont insure an 18yr old on their rents policy tho!

[fastcarz464]

actually, will they do a good deal on my car as it is not 15 yet, its a K reg 1992?

[M3Jimbo]

have you got another vehicle? i have fortunatly but they
only asked if i had one! they didnt ask what it was or what
it was for! Just say compay van?car?

[Turbo-Brown]

Ooh! Last time I tried HIC they weren't all that competetive but my circumstances have changed so I cycle everywhere now meaning I don't do more than about 3 or 4k miles a year.

Wonder if my 20year old brown turbo barge would qualify as a classic. Hmmmm

[fastcarz464]

I have a e36 318i and a fiat punto, ill just metion the punto say its my everyday transport, what other factors will make the insurance cheaper, im from manchester btw, does that just mess everything up, as we have high insurance premiums up here

Is it going to be very expensive insuring myself to my cab, will be awsome if i was on my own policy on my beemer!

[M3Jimbo]

I think it is 19 or over

They insured me on this when i was 19 fully comp
no noclaims bonus or other vehicles or garage
Ԛ£889 which at the time i was well happy about!
I told them everything that was done to it!!

Was saving it for my little Bro! Arghh
But he got a 106 WANKER currently undergiong genetic modifaction!!!

[Zayyan]

It was in the garage at the back of my girlfriends house!!

The worst that could of happend was it was nicked or set alight!

So thats what i insured it for!! and saved myself Ԛ£200

When its back on the road i'll be changing to Fully Comp.

Now it makes sense

Have you got any pics up in photo gallery yet?

Looks a nice clean original M3, apart from the 206 in the way

[Turbo-Brown]

Ooh what's that, a 309 GTi with Mi16 conversion running on 8V dizzy?

You wouldn't happen to be on 205gtidrivers.com would you?

EDIT> arse, was trying to look all clever, then I saw the text on the photo

[M3Jimbo]

i only noticed you link down the bottom after id put my picture up!!

Is the Ti16 Finnished?

[Turbo-Brown]

Not finished yet, but getting there.

Just got to wire up the new ECU, fabricate the exhaust manifold and down pipe and make up the throttle bodies for it.

[rare]

They wouldnt do me on a 325, said i was to young? (was 19 in feb) oh well worth a try

[Widge]

Bad news guys, I tried to get a quote today and the classic car polocies are only for if the car is your second car. The small print states you have to have another car fully insured for it to be valid. I suppose they recon your going to drive it less if it's your second car.
Bo Ho

They then gave me a quote of Ԛ£200 more than I now pay for TPFT on normal insurance.

[M3Jimbo]

Maybe they did mine wrong then

better check!!