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[Vamps]

Looking for a bit of support from fellow OOF’ers to be honest...

Up and till a last few days ago I had loads of interest in driving my ex police mig, love the v6 and power, though have to say that I’m starting to lose interest in the Mig all thanks to how my car insurance renewal premium has come out yet again  .

I know it happens to all of us, every year we get our wonderful renewal quote and it normally starts all over again, trying to find a cheaper quote as they’ve gone and increased it yet again.

All I wanted to do is insure my ex 3.2 police car with a few simple mod’s (mv6 wheels, Irmscher boot spoiler, spotlights and with a limited up to 5k a year mileage.
I’m 45, double figure NCDs, live in a relative low risk area and my quote was originally around £600 TPFT with the company I'm with!  Quick call to the insurance company and amendments and get it down around £400, which is better I admit.

I've tried that ‘bemused.com’ site, no chance, comes out around £700 mark and pretty much so does everywhere else I've tried!
Had one so-called reputable firm whom specialises in modified cars and the insurance firm wouldn’t insure me for anything less than fully comp, which came out around £1200... Jezz.
I’ve tried almost everywhere and for the moment, still can’t get it better than the £400 mark for TPFT.
I don’t know, perhaps I am losing touch with the car market these days.  But does this quote actually seem expensive to you lot?

I really do like driving the Omega, but it’s becoming a bit of a joke now and I’m starting to lose all interest in cars altogether, thanks to the way that insurance being what I think is now become a total and blatant rip-off in the last two years  :-/.
What’s the point of building / modifying something if you can’t drive it on the road without paying over the odds for limited mileage policy?

Did have big plans for the car, but if that’s how much they’re after with minor mods, it’s going to be a non-starter for what I have planned for it.  The intention was collecting all the bits I want, take it off the road, do the modifications, then back on the road once it’s all done with fully comp to cover all that’s been done... fat chance it’s going to happen at this rate.

Now feel I’m in a bit of a quandary?
Do I just shut up and just pay the damn £400 and keep it for another 12mths, sell it and down grade back to a 4cyl Omega and forget the whole project altogether or call it a day with regards to owning an Omega full stop?
And I know if I go and sell it I won't get much for it as large Capacity Omegas with low spec are worth Sweet nothing these days  :-/

To be honest, how I’m feeling now the last one seems the better option.  As owning and modifying a car these days isn’t as much fun and rewarding as it once was for me.  I don’t know, maybe it’s how I’m feeling at the moment, guess I’ll have to have long think about which direction to go in now?

Nothing wrong with a 4 pot for most day to day driving...............

[tigers_gonads]

I'm paying 360 for mine 
10 years plus protected ncb
45 year old
fully comp with tesco's 

If I was you, i'd shop around 

[Webby the Bear]

I'm paying 360 for mine 
10 years plus protected ncb
45 year old
fully comp with tesco's 

If I was you, i'd shop around 

be sure to read your next renewal! they bank on repeat business and youll prob find it goes up a lot to recoup on the good price you got now! 

[Tony H]

Recently renewed mine with Churchill went up from £320 to £390. Fully comp protected, no claims, I've got ten years plus no claims and am the wrong side of fifty. Did a load of shopping around found a quote £20 cheaper but the cover was not as good and the excesses where higher

[dad1uk]

Just a thought,  I notice you say Third Party.
try going Fully Comp and upping the Excess. You may be pleasantly surprised......

[tigers_gonads]

I'm paying 360 for mine 
10 years plus protected ncb
45 year old
fully comp with tesco's 

If I was you, i'd shop around 

be sure to read your next renewal! they bank on repeat business and youll prob find it goes up a lot to recoup on the good price you got now! 

They have no chance 

I normally start getting quotes about a month before its due.  Its even in the diary on my phone and laptop so I don't forget 
This year, my insurance went up by a grand total of .................. 16 quid 

Thanks anyway 

[Osprey]

Shame they can't seem to tell an adult project builder who values life from a bell-end turning a Paxo into a death trap.  It's a PITA I know but stout heart and don't let them grind you down.  A pound a day is an irritation but there are worse things.

My experience in keeping costs down is fully comp rather than TPF&T, accept a voluntary excess as mentioned above and, above all, find a mature female with NCB, preferably related, to include as an occasional driver.  Mine was over £100 cheaper with my wife as an additional driver. 

Best of luck! 

[Webby the Bear]

I'm paying 360 for mine 
10 years plus protected ncb
45 year old
fully comp with tesco's 

If I was you, i'd shop around 

be sure to read your next renewal! they bank on repeat business and youll prob find it goes up a lot to recoup on the good price you got now! 

They have no chance 

I normally start getting quotes about a month before its due.  Its even in the diary on my phone and laptop so I don't forget 
This year, my insurance went up by a grand total of .................. 16 quid 

Thanks anyway 

good lad tigger 

[SJKOO01]

Thanks all for your support  .

Have a few numbers now and ideas of what to try, so will keep phoning around to see if I can better what I've had so far.

Apologises for it being a bit of a long drawn out moan, but knew that you lot would understand  .

Let you know how it goes in a few days time

Cheers 

[I am a Daisy]

Im with you Gooseman! 20 years of running (and declaring!) modified Capris, the last one being 2.0l with special cam, head,R1 carbs,brakes and suspension all upgraded and at the same time running my R1, fully comp, all mods declared (153@ back wheel) including Ohlins and uprated brakes, full leathers, helmet, breakdown cover etc and I could insure the two, both fully comp, for LESS than the cheapest quote I got for the Omega TPFT! SCUM!