87 replies to this topic

[puggered]

I have been with them for years and haven't had a single problem with them and always insured 4 classics with 3 named drivers and unlimited miles on a block policy with them.

[Ruckus]

Did they explain why not??... could it be anything to do with it being a late MPi and therefore not falling under their definition of a classic (i.e over 15 years old)??

Yes i think that was the reason, but Flux class all real minis as Classics... so they get my money.

I did have a joke of a conversation with HIC. So this is the parneter insuacne with Mini World and i quote.

"MiniWorld have teamed up with HIC the Mini insurance specialist,
to offer a route to discounted specialist insurance for your classic,
modified or just well loved Mini.
When you get a quote it will be created by people who know
all about Mini's because they are Mini enthusiasts themselves."

So opening details, i told them it was a Classic 2000 Cooper, not an 500 or an S.
They ask "2 door, petrol?" !

what the hell! no its one of those 4 door diesel coopers! enthusiasts my arse! LOL

Edited by Ruckus, 29 July 2011 - 10:42 AM.

[MiniSprite93]

I personally can't knock Footman James! I have a 1993 Rover Mini Sprite, and I am 17 years old. With standard insurance companies I was looking at quotes for £2000+, but I got my insurance for £800 with them. As insurance goes, its extorsionate! But for my age, it's possibly the cheapest around! And baring in mind the engine is a 1.3, that makes it even more of a bargain!

[RossKnight]

The other day I rang up footman james, they said they can't insure me on my 1992 city e because it's not 20 years old..

I said it says 15 years old on the website, they said you need to be insured on another car?

I'm pretty annoyed as I'm now paying expensive insurance...

[talkalot]

The other day I rang up footman james, they said they can't insure me on my 1992 city e because it's not 20 years old..

I said it says 15 years old on the website, they said you need to be insured on another car?

I'm pretty annoyed as I'm now paying expensive insurance...

Ring them again and get a different operator

[RossKnight]

The other day I rang up footman james, they said they can't insure me on my 1992 city e because it's not 20 years old..

I said it says 15 years old on the website, they said you need to be insured on another car?

I'm pretty annoyed as I'm now paying expensive insurance...

Ring them again and get a different operator

I sent an email regarding this and this was the reply...

Thank you for your email.

Some cars do qualify for a classic policy at 15 years old. It depends on what make and model your vehicle is to what age it would qualify. If we've advised you over the phone if would be 20 years then this would be correct as we would have checked the criteria for our young driver scheme at the time of the call.

I'm hoping someone can help? Lots of 17/18 year olds had quotes all under £1000?

[zeemax mini1]

where does it say you must be employed?

read the OP's post properly, these are the requirements for an ONLINE quote, any deviations from said requirements just ring them for a quote. the reason for these requirements is that a machine cannot deal with anything from the norm.

i have been happily insured whilst unemployed by them no problem, My son at 18 with a modified 998 with tuned 1275 engine fitted and many other mods, was covered within 5 minutes of dialling their number, so come on guys, read the words, dont gloss over them and make assumptions.

Footman james are a very reputable company and get my vote any-time.

how much was it to insure your son , did he have a years ncb ?

[Yoda]

At 18 with one years NCD from Aviva, we paid £1100 with FJ for a modified 998 with declared 1275 engine

[MiniSprite93]

I have an insurance policy with footman james with a restricted mileage of 6000 miles per year. However I was discussing with some friends about the consequences of exceeding the mileage limit. We weren't really sure what the consequence would be, but we did think of a possible flaw in the system. If I was to exceed the mileage (say i did 6500), what's to stop me saying that my Dad (who is insured to drive the car 3rd party only due to the fact he has fully comprehensive insurance with direct line) had done 500 of those miles? Because technically its me who's restricted to doing only the specified number of miles, not the car. Is that how it works? I'm a bit naive about these sorts of things! I'm highly unlikely to exceed the mileage, but its nice to have the excuses and get out clauses ready for if i do

[RossKnight]

Imagine how unfortunate it'd be if your speedo cable accidentally comes dislodged magically when you hit your limited mileage...



Edit - don't do this, it's naughty....

Edited by RossKnight, 27 September 2011 - 09:12 PM.

[MiniSprite93]

Haha! how convenient!

[AVV IT]

I have an insurance policy with footman james with a restricted mileage of 6000 miles per year. However I was discussing with some friends about the consequences of exceeding the mileage limit. We weren't really sure what the consequence would be, but we did think of a possible flaw in the system. If I was to exceed the mileage (say i did 6500), what's to stop me saying that my Dad (who is insured to drive the car 3rd party only due to the fact he has fully comprehensive insurance with direct line) had done 500 of those miles? Because technically its me who's restricted to doing only the specified number of miles, not the car. Is that how it works? I'm a bit naive about these sorts of things! I'm highly unlikely to exceed the mileage, but its nice to have the excuses and get out clauses ready for if i do

The consequence is that potentially you would not be insured in the event of a claim because your policy would have essentially expired once you reached the mileage limit. In reality though insurers often just hit you with a big fine instead, usually equivalent to the entire premium for an unrestricted mileage policy, on top of the premium you have already paid!! Basically it really isn't worth the risk. If you believe that you are going to exceed the limit, then it is best to give your insurer a call and ask for the limit to be raised by a couple of thousand miles, in my experience it usually only costs little more than an admin fee to do this, which is preferable to a massive fine or having your policy declared void in the event of a claim.

As for the issue about claiming that another driver has exceeded your mileage limit using another policy. It is generally written in the policy wording somewhere that for the purposes of the policy the odometer (mileometer) reading will be taken as the reference point for the mileage restriction. By taking out the policy you will have agreed to these terms and therefore accepted that if someone else racks up the miles on your car, those are then miles that you will not be able to cover on your policy!

In short insurance companies aren't stupid. The chances are that they know every conceivable "trick in the book" and will have taken action to make sure that the loop hole is closed. Mainly because many others will have already tried all these excuses and get out clauses many times over, before you had even thought of them.

[MiniSprite93]

I have an insurance policy with footman james with a restricted mileage of 6000 miles per year. However I was discussing with some friends about the consequences of exceeding the mileage limit. We weren't really sure what the consequence would be, but we did think of a possible flaw in the system. If I was to exceed the mileage (say i did 6500), what's to stop me saying that my Dad (who is insured to drive the car 3rd party only due to the fact he has fully comprehensive insurance with direct line) had done 500 of those miles? Because technically its me who's restricted to doing only the specified number of miles, not the car. Is that how it works? I'm a bit naive about these sorts of things! I'm highly unlikely to exceed the mileage, but its nice to have the excuses and get out clauses ready for if i do

The consequence is that potentially you would not be insured in the event of a claim because your policy would have essentially expired once you reached the mileage limit. In reality though insurers often just hit you with a big fine instead, usually equivalent to the entire premium for an unrestricted mileage policy, on top of the premium you have already paid!! Basically it really isn't worth the risk. If you believe that you are going to exceed the limit, then it is best to give your insurer a call and ask for the limit to be raised by a couple of thousand miles, in my experience it usually only costs little more than an admin fee to do this, which is preferable to a massive fine or having your policy declared void in the event of a claim.

As for the issue about claiming that another driver has exceeded your mileage limit using another policy. It is generally written in the policy wording somewhere that for the purposes of the policy the odometer (mileometer) reading will be taken as the reference point for the mileage restriction. By taking out the policy you will have agreed to these terms and therefore accepted that if someone else racks up the miles on your car, those are then miles that you will not be able to cover on your policy!

In short insurance companies aren't stupid. The chances are that they know every conceivable "trick in the book" and will have taken action to make sure that the loop hole is closed. Mainly because many others will have already tried all these excuses and get out clauses many times over, before you had even thought of them.

Yeah you're right, it's not really worth the fine, I'm not going to exceed the mileage limit, it was a more of a query out of interest really. But you're rightm insurers will have thought of all of this stuff long before their customers!

[sam138]

Yer they don't state nothing about under 25 on their website saying they need to be named on another car and they say that the car has to be 15 years old which is crap beacause at 17 years old i have been told it needs to be 20 years old .

[kingbenvolio]

Can i ask, with Footman, do you work up a no claims bonus..?
(Possible stupid question! )