AL32 Posted November 21, 2023 Share Posted November 21, 2023 Hi all was just wondering if anybody could shed some light on insurance prices for a 17 year old looking for a classic triumph. I've always pined over triumphs and would love to try and get one as my first car. However I am not yet 17 and so am unable to get quotes. The reason I'm asking now is that the plan is to try and buy a classic that needs some work doing to it and then get it up and running for when I pass my test. However there is no point me buying a car that turns out to be too expensive for me to insure. I have been looking at Herald 1200 saloons, Dolomite/Toledo 1300s and Spitfire 1300s( Spitfires being extremely unlikely). So was just wondering if anyone knew sort of average cost of insuring these cars for a 17 year old new driver. Thanks Albert Quote Link to comment Share on other sites More sharing options...
Tim Bancroft Posted November 21, 2023 Share Posted November 21, 2023 Hi Albert, To be honest, we are hearing of very high premiums for young drivers who wish to insure old cars. Probably best to all a company like Cherished Vehicle Insurance and see what they quote you. Maybe an idea to do this when sitting down. I was talking to a 19 year old lad at the NEC old car show the other Sunday and his quotes were very high. If this is the case, its all rather dissapointing as obviously it will discourage young people joining in with our lovely hobby. 1 Quote Link to comment Share on other sites More sharing options...
AL32 Posted November 21, 2023 Author Share Posted November 21, 2023 Hi Tim Yeah that was pretty much the kind of answer I was expecting it was never going to be cheap however I'm still holding out hope. I'd obviously heard that insurance premiums were increasing massively in general so wouldn't be too surprised if a quote given was astronomically high. I would love to have a car that I can take pride In and really call my own sort of thing and I've always loved Triumphs. My dad had a Spitfire Mk2 back in the day and I've wanted one ever since. Thanks for the reply it was very useful. Hope to be able to report of a reasonable quote one of these days 🤞 2 Quote Link to comment Share on other sites More sharing options...
Wendy Dawes Posted November 21, 2023 Share Posted November 21, 2023 1 hour ago, AL32 said: Hi all was just wondering if anybody could shed some light on insurance prices for a 17 year old looking for a classic triumph. I've always pined over triumphs and would love to try and get one as my first car. However I am not yet 17 and so am unable to get quotes. The reason I'm asking now is that the plan is to try and buy a classic that needs some work doing to it and then get it up and running for when I pass my test. However there is no point me buying a car that turns out to be too expensive for me to insure. I have been looking at Herald 1200 saloons, Dolomite/Toledo 1300s and Spitfire 1300s( Spitfires being extremely unlikely). So was just wondering if anyone knew sort of average cost of insuring these cars for a 17 year old new driver. Thanks Albert 🙏 Quote Link to comment Share on other sites More sharing options...
Rutty Posted November 21, 2023 Share Posted November 21, 2023 At the risk of committing heresy and promoting a rival club It might be worth you talking to Pete James insurance. He is offering some very good deals to members of TSSC at the moment. I saved £45 by off my premium by using my TSSC membership instead of my CT membership. I also got my wife put back on at no extra cost despite an own fault accident last year. I am sure someone said he is offering preferential rates to younger drivers especially if a parent is the lead driver on the policy. 1 Quote Link to comment Share on other sites More sharing options...
Amy Wade Posted November 21, 2023 Share Posted November 21, 2023 (edited) I was going to say the same but couldn't bring myself to mention the other club on this forum. Edited November 21, 2023 by Amy Wade 3 Quote Link to comment Share on other sites More sharing options...
iani Posted November 22, 2023 Share Posted November 22, 2023 15 hours ago, Rutty said: At the risk of committing heresy and promoting a rival club It might be worth you talking to Pete James insurance. He is offering some very good deals to members of TSSC at the moment. I saved £45 by off my premium by using my TSSC membership instead of my CT membership. I also got my wife put back on at no extra cost despite an own fault accident last year. I am sure someone said he is offering preferential rates to younger drivers especially if a parent is the lead driver on the policy. I'm with PJ and am a TSSC member, they wouldn't let me add my 17yo on my insurance at any price. 1 1 Quote Link to comment Share on other sites More sharing options...
Tim Bancroft Posted November 22, 2023 Share Posted November 22, 2023 This is all rather maddening, you would think an insurance company would take an enlightened view and think of young people driving old cars as a business opportunity...its all very conservative and risk averse...what a sterile and boring world we now live in! 3 Quote Link to comment Share on other sites More sharing options...
Rutty Posted November 22, 2023 Share Posted November 22, 2023 1 hour ago, iani said: I'm with PJ and am a TSSC member, they wouldn't let me add my 17yo on my insurance at any price. Fair enough it was only what I was told by another TSSC member. Quote Link to comment Share on other sites More sharing options...
JumpingFrog Posted November 22, 2023 Share Posted November 22, 2023 (edited) Last time I looked at car club deals, many of them for young drivers were for multi-car - e.g. you insure your daily and your classic together which I'm guessing isn't much use to OP. But maybe things changed. Ten years ago, when I was 19 and bought my Herald 13/60, Adrian Flux were cheapest, it was not much less than £1000, after that it decreased by roughly a third every year. Worth ringing around some specialists and seeing what they say, Lancaster, Peter James, Adrian Flux, Carole Nash, Footman James are good places to start, but unfortunately you might find they don't offer classic policies to under 25s. I don't think anyone is suggesting it, but adding a young driver as a named driver (when they're really the main driver) with an experienced driver as the main driver to bring the cost down isn't allowed (termed "fronting"). It was a really popular practice when I was learning to drive and a Corsa C cost something like £2500 to insure. In such a situation you also won't have a NCB, which is the only way to reduce policy cost until you reach at least 25 and get real classic car policies. Hope there is some way forward, would be a real shame to have something dull as a first car when you could have a Triumph. Edited November 22, 2023 by JumpingFrog Quote Link to comment Share on other sites More sharing options...
Wendy Dawes Posted November 22, 2023 Share Posted November 22, 2023 (edited) I would have thought the idea of encouraging young owners would be paramount to preserve these cars, after all most of us are of a ‘ certain age’ the young enthusiast is a very important part of the future of classic cars in general, not just Triumphs. These young drivers will be the saviour of the insurance companies as well as the cars Edited November 22, 2023 by Wendy Dawes 1 Quote Link to comment Share on other sites More sharing options...
Amy Wade Posted November 23, 2023 Share Posted November 23, 2023 Having had a quick Google search, both Adrian Flux and Footman James say they will insure 17 year old. It certainly wouldn't hurt to contact them. 2 Quote Link to comment Share on other sites More sharing options...
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