computid
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| posted on 30/11/11 at 04:29 PM |
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Day insurance on a Q plate?
Hi Guys,
Tomorrow im going to look at a rickman ranger with the (hopeful) intention of buying it. Im under 21 so I cant get day insurance but my 58
year old dad can.
So I went onto day insure and all the other standard day insurance guys but they obviously cant find the reg number and 'rickman'
isn't listed in there list of manufacturers.
The car will be registered in my name and I dont want to take out a years policy for him to drive it home and never drive it again (Ill be insuring it
in January when I can afford to do so).
So, short of taking out a years policy and cancelling (REALLY dont want to do that) what can I do?
Does anybody know of insurers that will do temporary policies on kit cars?
Thanks!
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designer
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| posted on 30/11/11 at 04:34 PM |
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For the sake of a month's insurance, insure it from the start. I suspect that a days insurance could be the same as a month on a yearly policy.
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computid
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| posted on 30/11/11 at 04:45 PM |
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quote:
Originally posted by designer
For the sake of a month's insurance, insure it from the start. I suspect that a days insurance could be the same as a month on a yearly policy.
My yearly policy is £1135.
Day insurance is cheaper and I dont have that kind of cash for insurance right now.
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D Beddows
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| posted on 30/11/11 at 04:48 PM |
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Good lord man - a Rickman Ranger!......... are you sure???  One of my Automotive Design lecturers (oh the irony!) had one of those....... possibly
the most awful vehicle I've ever had the misfortune to sit in............ each to their own and all that  .....but a Rickman Ranger!???
[Edited on 30/11/11 by D Beddows]
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flibble
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| posted on 30/11/11 at 04:53 PM |
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Is the Rickmans owner still insured on it? I recall some fully comp insurance (your dads) let you drive any other car so long as it's not owned
by you and it's insured (you only get 3rd party though).
I could be dreaming though..?
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computid
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| posted on 30/11/11 at 04:54 PM |
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quote:
Originally posted by D Beddows
Good lord man - a Rickman Ranger!......... are you sure??? One of my Automotive Design lecturers (oh the irony!) had one of those....... possibly
the most awful vehicle I've ever had the misfortune to sit in............ each to their own and all that .....but a Rickman Ranger!???
[Edited on 30/11/11 by D Beddows]
No to be honest, im not sure. It just seems a sensible choice for me. The insurance is cheap, it has a roof and parts are fairly easy to come by.
Id rather have a dutton phaeton with a soft top but there seem to be none about at the moment at a reasonable price. Its got to be below a 1.6 and a
non turbo as well for the insurance.
Really that bad? Ive never even seen one to be honest!
[Edited on 30/11/11 by computid]
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designer
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| posted on 30/11/11 at 04:58 PM |
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£1135 for a Rickman Ranger!!!!!
Bloody hell! What company is that with?
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tegwin
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| posted on 30/11/11 at 05:04 PM |
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Would it be cheaper to insure a proper 4x4 like an old disco!?
------------------------------------------------------------------------------------------------------------------------
Would the last person who leaves the country please switch off the lights and close the door!
www.verticalhorizonsmedia.tv
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computid
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| posted on 30/11/11 at 05:07 PM |
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quote:
Originally posted by designer
£1135 for a Rickman Ranger!!!!!
Bloody hell! What company is that with?
quote:
Originally posted by tegwin
Would it be cheaper to insure a proper 4x4 like an old disco!?
To kill two birds with one stone, im 17 and the company is footman james. The price is bloody good for kit cars compared to anything else! The average
is £2500 for a 1.0l corsa! They have to be a 1.6 or under and a non turbo and no bike engines.
Oh and to insure a Disco, the best quote I could get was 6.5k TPFT.
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britishtrident
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| posted on 30/11/11 at 05:18 PM |
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If you want transport there is a point at which you have to do the sensible thing and buy a cheap to insure bog standard tintop.
Leaving the Rick man ranger aside I would also think very carefully before buying a Dutton Phaeton --- if you do an image search on Google and
have a look at the chassis I can't even begin to imagine what the consequences of even a very minor rear end shunt in one.
ISTR Tim Dutton Wooley actually was a conviction for selling an unsafe vehicle he designed and built to order for a client.
[I] “ What use our work, Bennet, if we cannot care for those we love? .”
― From BBC TV/Amazon's Ripper Street.
[/I]
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britishtrident
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| posted on 30/11/11 at 05:22 PM |
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quote:
Originally posted by computid
To kill two birds with one stone, im 17 and the company is footman james. The price is bloody good for kit cars compared to anything else! The average
is £2500 for a 1.0l corsa! They have to be a 1.6 or under and a non turbo and no bike engines.
Oh and to insure a Disco, the best quote I could get was 6.5k TPFT.
Corsa are rated relatively high risk for its' class --- mainly because of the owners.
[I] “ What use our work, Bennet, if we cannot care for those we love? .”
― From BBC TV/Amazon's Ripper Street.
[/I]
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computid
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| posted on 30/11/11 at 05:23 PM |
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quote:
Originally posted by britishtrident
If you want transport there is a point at which you have to do the sensible thing and buy a cheap to insure bog standard tintop.
Leaving the Rick man ranger aside I would also think very carefully before buying a Dutton Phaeton --- if you do an image search on Google and
have a look at the chassis I can't even begin to imagine what the consequences of even a very minor rear end shunt in one.
ISTR Tim Dutton Wooley actually was a conviction for selling an unsafe vehicle he designed and built to order for a client.
Thing is, no tin tops are cheap to insure for me. This is the cheapest insurance I can get on anything other then a motorbike.
And lets face it, if we were interested in safety none of us would be driving sevens, id hate to think what would happen in a rear end shunt in a
locost, especially with the fuel thank there. But its a risk we all take.
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computid
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| posted on 30/11/11 at 05:24 PM |
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quote:
Originally posted by britishtrident
quote:
Originally posted by computid
To kill two birds with one stone, im 17 and the company is footman james. The price is bloody good for kit cars compared to anything else! The average
is £2500 for a 1.0l corsa! They have to be a 1.6 or under and a non turbo and no bike engines.
Oh and to insure a Disco, the best quote I could get was 6.5k TPFT.
Corsa are rated relatively high risk for its' class --- mainly because of the owners.
As true as that is, its true of all tin tops. I cant get under 2k for a tin top unless I go for an insurance policy with a tracker and no driving
after 11pm (no good for me).
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tegwin
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| posted on 30/11/11 at 05:32 PM |
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quote:
And lets face it, if we were interested in safety none of us would be driving sevens, id hate to think what would happen in a rear end shunt in a
locost, especially with the fuel thank there. But its a risk we all take.
Worth noting that most people who drive 7evens have a bit of driving experience and only really drive them as "toys"....
Most accidents happen on the way from the shops when some dozy bint pulls into you (I know, I have been there!).....
Have you looked at classics? I had a TVR at 21 and it cost me about £140/year to insurre... Vs £1300 for my GTI.
------------------------------------------------------------------------------------------------------------------------
Would the last person who leaves the country please switch off the lights and close the door!
www.verticalhorizonsmedia.tv
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russbost
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| posted on 30/11/11 at 06:08 PM |
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Right, let's get a few things straight.
Insurance for male sub 21 year olds with little or no driving experience is astronomical, for a Yaris 1.0 my daughter would have paid around £550, my
son around £900 to be named drivers on our policy, both at 17 years of age
Nowadays there is absolutely no possible chance of getting anything classic with more than 1.6 engine insured for a bloke that age without paying half
the national debt - so forget anything like a TVR!!!
A Phaeton is not going to be significantly more dangerous in a shunt than a 7, & the TD conviction was for a BOAT (amphipious thingy) & from
everything I've heard & read about that, it was not actually TD's fault, but the customers for speccing the thing completely
incorrectly & using it for something it was never designed for, but you wouldn't expect a court of law to understand that would you - just
blame the manufacter & sue the pants off him, he's insured, who cares!!!
The Rickman is not a pretty car! Nor was it a performance vehicle, but I imagine you're paying a lot less for the vehicle than the insurance
& it has to be more practical & safe than a 7 for a daily driver. It will be as good or bad as the bloke that built it, prone to wind noise
& water leaks, but no reason why it couldn't be serviceable as a daily runabout. IIRC it's based on Escort bits (tho' might have
been Cortina) - in either case there is the potential it could be worth more in bits when you've finished with it than in one piece - that
should get the Rickman owners club (both of them!) round here to slash my tyres!
Ignore the naysayers, & I hope it works out for you, good to here of a 17 year old actually capable of taking on something that might require some
work rather than sitting at the X box!
Good luck with it!
Getting back to the insurance, get your dad to ring his existing company, mine covered me to collect a vehicle I wasn't going to be insuring for
a couple of months for no charge whatsoever (Liverpool Victoria)
I no longer run Furore Products or Furore Cars Ltd, but would still highly recommend them for Acewell dashes, projector headlights, dominator
headlights, indicators, mirrors etc, best prices in the UK! Take a look at http://www.furoreproducts.co.uk/ or find more parts on Ebay, user names
furoreltd & furoreproducts, discounts available for LCB users.
Don't forget Stainless Steel Braided brake hoses, made to your exact requirements in any of around 16 colours.
http://shop.ebay.co.uk/furoreproducts/m.html?_dmd=1&_ipg=50&_sop=12&_rdc=1
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NOTE:This user is registered as a LocostBuilders trader and may offer commercial services to other users
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bobinspain
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| posted on 30/11/11 at 07:25 PM |
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Great post Russ.
None of us with late teens/early 20s children are spared where mobility/insurance is concerned. It's just he same out here.
My 20 yr old daughter passed her test at 19 (first attempt) and then the 'fun' started. Buying the car was the easy bit, a Citroen C3 1.4,
6 yrs old, cost 3000 euros. The household name insurers like Linea Directa wouldn't even quote for a policy in her name. They said she needed
more driving experience and her age precluded them quoting with her as a named driver too. When I queried how she was supposed to gain experience when
she couldn't get insurance cover, they went into evasive mode and parroted their "company policy" mantra.
In the end, I got cover for her as a named driver on my policy with a smaller outfit. Not strictly kosher, as she drives 'her' car owned
in my name, insured by me (she pays) and keeps the car at her uni address. Nightmare!
Maybe there's something to be said for the countless irresponsible Brits who drive right-hookers, long out of MOT, UK registered, uninsured cars
out here? It'd be too rude to say it though.
[Edited on 30/11/11 by bobinspain]
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britishtrident
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| posted on 30/11/11 at 08:34 PM |
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Dutton Chassis Photo Link
[I] “ What use our work, Bennet, if we cannot care for those we love? .”
― From BBC TV/Amazon's Ripper Street.
[/I]
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computid
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| posted on 30/11/11 at 08:52 PM |
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quote:
Originally posted by britishtrident
Dutton Chassis Photo Link
Ok, ill give it to you, that does look bad but I presume thats an early chassis since the later one
Pictured Here seems to have a strut across the back which would
obviously help in the event of a collision.
I still want one 
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Dusty
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| posted on 30/11/11 at 09:38 PM |
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Lovin the Dutton chassis. I heard the front anti-rollbar works in reverse. The ends of it are 'braced' on the road by the tyres and the
points where it mounts on the frame are supposed to stop the chassis from twisting. Boom Boom.
Sorry, that was an uncalled for titter but it doesn't look as stiff as blancmange.
[Edited on 30/11/11 by Dusty]
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owelly
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| posted on 30/11/11 at 10:10 PM |
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I was just about to launch into a rantlet, but it was just to say the same as Russ!
The OP was asking about short cover insurance, not to discuss the dynamics of his chosen steed. IMHO, there are far worse cars than the Dutton or
Ranger (see the contents of my garage). And are we forgetting the strength added to the Dutton from the f/glass shell?
As suggested, ask dad to contact his insurance company and ask if they can help.
Good luck.
[Edited on 30/11/11 by owelly]
http://www.ppcmag.co.uk
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russbost
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| posted on 30/11/11 at 10:13 PM |
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Yes, the Dutton chassis is obviously pretty cr*p, but you are showing it there without any of the bolt on bits like leaf springs, axle & wheels,
which would all be (just about!) between you & the accident, & that was about the worst version they ever made, but do you honestly think
the result would be much different if you were hit from behind in a Locost? I've seen 2 different arrangements at the rear of the Locost, (&
I'm sure there are several others) one with a couple of thin tubes coming down to the rear of the chassis & the other with a sort of
"C" shape high at the rear in thin round tube - neither of the above would do much to stop a rear end collision impacting into the cockpit
area, having first flattened the fuel tank
Did you see the feature 5th gear did on what happens to rear seat passengers of a 7 seater in a rear impact? What do you think would happen in a side
impact on any 7 without a full cage? Personally I like to have a little more than my elbow between me & an impacting car! Simple fact is that
little cars do not come off well in crashes with larger heavier vehicles, but that's a choice we all decide to make (or not) if we drive these
type of vehicles.
I don't suppose the Rickman would fair well in an accident either, it's not going to make a 5 star safety rating is it - best defence is
not to have an accident, unfortunately not always within your own control
I no longer run Furore Products or Furore Cars Ltd, but would still highly recommend them for Acewell dashes, projector headlights, dominator
headlights, indicators, mirrors etc, best prices in the UK! Take a look at http://www.furoreproducts.co.uk/ or find more parts on Ebay, user names
furoreltd & furoreproducts, discounts available for LCB users.
Don't forget Stainless Steel Braided brake hoses, made to your exact requirements in any of around 16 colours.
http://shop.ebay.co.uk/furoreproducts/m.html?_dmd=1&_ipg=50&_sop=12&_rdc=1
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NOTE:This user is registered as a LocostBuilders trader and may offer commercial services to other users
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McLannahan
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| posted on 30/11/11 at 10:56 PM |
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Just another suggestion as above to check with his present insurer. Many will let you add a temporary car your/his current policy. There may be a
small charge but nothing too crazy.
I insure one of my cars with SwiftCover and it can all be done online - hey it's not cheap (£40 a week ish?) but it may be a cheaper
solution?
Whatever KC you decide on though - good luck!
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samjc
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| posted on 1/12/11 at 01:17 AM |
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Wish id got a kit for my first motor as my fiesta was £1900 last year and £1150 this year no point or accidents im 20 with years noclaims and 2years
experience but due to gender and being a tintop its silly money n I had a week of argueing to get from £1550 to £1150, so I know where hes coming from
reason ive started building a kit as a car that can do sub 6 seconds 0-60 tintop wise id be.paying £8k+ I can safely say after odd quote for
bmw's and evo's., where as kit im hoping for around £500 mark
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