UK Insurance for the Mustang

[simonp83]

insurance is just a joke in general i swear the insurance companies just randomly make numbers up.

Me and missus same age 2 weeks apart in age difference.
£580 a year for her 16 plate focus ST 10 years no claims no points no accidents.
£340 a year for my 66 plate mustang, 20 years no claims (makes no difference insurers only go to max 9 anyway) no points no accidents.

We both work 3 miles from home do similar driving distances a year and types of driving etc both have cars on the drive and at the same property... someone care to explain the price difference there.

Young lad working for me bought an old 3 series BM 325 if he had the insurance start on a Thursday they wanted £2.5k if he started it on the Friday 24h later they only wanted £1.7k

Anyone saying insurance companies don't just pluck random figures out is telling porkies. They pick a random figure and hope that law of averages people don't dispute it and just pay it. Then if someone disputes the figure quoted they bring the pricing down.

It'll be to do with the car, your missus drives a car that the insurance company's statistics state is more likely to crash, generally because they're driven by younger individuals. The Mustang, they have deemed, to be less likely to crash as drivers of Mustangs are better :lol:

Edit: My insurance for my new Mustang GT is £554 with More Than.
That's 5 years no claims bonus with a single at fault accident just under 5 years ago with onstreet parking in the middle of town for a 33 year old male. Talking to some of the more specialist insurers like A Plan, etc, they came back with silly prices as no experience of rear wheel drive cars but said next year, with no claims, it'll be a hell of a lot cheaper.

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[Manders Mustang]

Sky are also another really good insurer. I know loads of people with them with modified cars

Any under 25's lolol :lol:

 

[NornIron91]

Young lad working for me bought an old 3 series BM 325 if he had the insurance start on a Thursday they wanted £2.5k if he started it on the Friday 24h later they only wanted £1.7k

Insurance companies think you are desperate so think they can get more money from you, or else they charge more as they have to do the admin quicker.

 

[hinch]

Insurance companies think you are desperate so think they can get more money from you, or else they charge more as they have to do the admin quicker.

this was quoting 3 weeks before it was due to start so thats not really an excuse that would fly tbh

 

[Manders Mustang]

this was quoting 3 weeks before it was due to start so thats not really an excuse that would fly tbh

I feel his pain, my corsa right before i sold it because my Mustang came, they wanted +300 depending on the day, but i had a 14 day rebate period where i could get all my money back, which was fine, so just waited it out and did it sold the car, free 14 days insurance :lol:

 

[NornIron91]

this was quoting 3 weeks before it was due to start so thats not really an excuse that would fly tbh

Sorry I thought that he was looking insurance to start within a few days. I had priced insurance before to start next day and in a weeks time and there was a good difference in price.

 

[Kristian87]

It's that time for me :( feeling stressed right now because depending on what deal I can strike, will determine what mods I buy in the near future...

Anyone got any good shouts for multi car deals? I'm going to phone Admiral/Direct Line but wondered if anyone knew of any others?

Also, any good specialists out there for young(ish) drivers? For reference, last year I got away with £750 all in (550 for Ecoboost, 200 for Fiesta). Hoping to land somewhere between that & £1k if I can!

Any help much appreciated

 

[Centurion07]

I'm with Adrian Flux who are one of the few that will cover any and all mods.

APlan seem to get mentioned quite a lot.

 

[blueboy]

Just gone with Aplan as Direct line wouldn't insure with spacers, only an extra £50.00 or so with the mods declared.

 

[Shanraf]

Direct line were the cheapest for me with £1200 at 24

 

[Jimboy2]

Just renewed with aplan. All mods declared no questions asked about any of them. More expensive than last year but I now know everything is declared including black badges, so no wiggle room for them (hopefully lol)

 

[Cati]

Just renewed with aplan. All mods declared no questions asked about any of them. More expensive than last year but I now know everything is declared including black badges, so no wiggle room for them (hopefully lol)

you get extra off if you say Nic sent you and ask for Charly. Make sure you say Nic sent you, you know the guy with the mustang and m3 who said he would and you promised to give a good deal next year

 

[Kristian87]

Had an extraordinary day with Admiral. It's a longggggggg story that involves much confusion because of my private plate moving from Ecoboost to GT and a balls up on their end with a "to good to be true" quote. Big respect to them for admitting they made a mistake, holding their hands up an honoring the price they originally gave me - which as it turns out was marginally higher than what I was paying for the Ecoboost & Fiesta. I'm only paid up to the end of my original premium which ends in December but at a very little additional cost.

Don't ask for the full story - it's been a stressful few days of insurance hunting & I want to forget about it until next time! But the point is, Admiral have pulled it out the bag again for me, smashing any other quotes I got by a huge margin.

Anyways, theoretical money saved = mods

 

[Pedestrian]

Had an extraordinary day with Admiral. It's a longggggggg story that involves much confusion because of my private plate moving from Ecoboost to GT and a balls up on their end with a "to good to be true" quote. Big respect to them for admitting they made a mistake, holding their hands up an honoring the price they originally gave me - which as it turns out was marginally higher than what I was paying for the Ecoboost & Fiesta. I'm only paid up to the end of my original premium which ends in December but at a very little additional cost.

Don't ask for the full story - it's been a stressful few days of insurance hunting & I want to forget about it until next time! But the point is, Admiral have pulled it out the bag again for me, smashing any other quotes I got by a huge margin.

Anyways, theoretical money saved = mods

Admiral were 100% against even touching my car with any sort of "mod" :shrug:

 

[Kristian87]

Admiral were 100% against even touching my car with any sort of "mod" :shrug:

Interesting. They were fine with my springs & spacers - only charged the admin fee to have them added.

What mods are you referring to?

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