Car Advice - Mummy Cars!
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@MajorRage said in Car Advice - Mummy Cars!:
@Crucial No, we've only had one car the entire time we've been in HK, and as you can only accrue for one, then it is what it is. I will try all the tricks in the book though!
Yeah the system over here beggars belief at times. It has less to do with risk assessment/management of the customer and more to do with ticking boxes and risk management of the flunkies employed to take orders. I assume you are using a broker to work around some of the crap?
My son is about to go through the insurance nightmare over here and one thing we discovered is that they won't even acknowledge the fact that he has been driving since the age of 15 with a clean record because their systems throw a wobbly when confronted with a number that doesn't fit with the UK driving age. So basically he loses 2 yrs of clean experience which is worth a lot of £ per annum.The insurance market over here (and in Oz) only confirms my argument against compulsory insurance in NZ. As a consumer you are far better off over all if you remove the type of driver that won't pay for insurance from the claims pool.
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Hmmm, I'm not sure I agree with all of that Crucial.
I take your point of about not being able to fit in people of outside age etc, but I can see why they would be unwilling to bend outside the laws that govern your country.
I like the way that it's basically impossible for younger drivers to get higher powered cars. Despite being a bit of a petrol head myself, I was also a teenage driver, and in my view, there is simply no justification for younger drivers to be able to have access to sports / higher powered cars. When you are a new driver in the UK, you can basically only get insurance for 1-1.2 litre cars. It's impossible for a 17 year old to be behind the wheel of a sports car. Which is the way it should be.
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@Catogrande said in Car Advice - Mummy Cars!:
@MajorRage Worthwhile getting a quote from Admiral or Aviva for muti-car insurance. I've even known Admiral to sharpen their pencil a bit if their quote is higher than elsewhere.
Yes, I'd be a rich man if it wasn't for my degree of petrol-headedness.
What else have you owned apart from the 911?
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@MajorRage said in Car Advice - Mummy Cars!:
Hmmm, I'm not sure I agree with all of that Crucial.
I take your point of about not being able to fit in people of outside age etc, but I can see why they would be unwilling to bend outside the laws that govern your country.
It's nothing to do with bending laws. Retail insurance is all about grouping together a set of customers then on-selling that risk to another insurer as a group. If, for example, their re-insurance is geared around clean, older drivers with garaged cars then obviously they will set obstructive premiums (or refuse outright) someone that doesn't fit that bill.
If you have calculated your risk level at drivers with, say, over 7 years clean experience and are offered a customer that fits that profile it is counter to your model to then refuse to acknowledge 2 years and turn them away.
Basically they have decided that it isn't worth the bother to have exceptions that their call centre staff can't deal with and are willing to turn those customers away. It probably does make sense profit wise given the %s, but nothing to do going outside of laws.
As an example, we have 'special' plates on our car and although this has no bearing whatsoever on our risk profile (are we more likely to have an accident or not lock our vehicle because it has non standard plates?) we had to go to a special broker who had arranged a special policy with an insurer to cover this.
The only thing stopping other companies from providing the insurance was that the non standard plate couldn't be entered into their system. -
@jegga It's my second 911. It's a 991 variant Cabriolet S. I had a straightforward 997 variant Cabriolet before that. Previously I had a Merc 350SLK which was good but not as raw as the Porsches and my first out and out sports car was a Boxster which was great fun if a little under-powered.
The latest one is my favourite, partly because of the way I bought it. Mrs Cato was away for a week in the Med with her family and when she got back there was the new car on the driveway. She was not best pleased but couldn't say Jack because she'd just had a holiday with the out-laws.
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@Crucial Motor insurance in the UK is a bloody basket case. You're right about anything non-standard is nowadays a straightforward "No" from all the mainstream insurers who all have scalability in their underwriting as the main driver of what is acceptable or not. As a for instance, just over a year ago when I was shopping around for cover I couldn't get cover from Aviva (the biggest UK insurer) because they couldn't input the value of my car - basically it was in a tickbox that wasn't on their screens.
Another thing that gives me the shits is insurance for young kids. I don't have a problem with the premiums being higher to reflect the risk but it is getting out of hand with the result that there are growing numbers of young lads who just won't bother with insurance and that leaves the rest of us carrying the can. An example of the craziness was Ms Cato no2. As a learner and a secondary driver for a Mini One the cost for her was about £350. Once she passed her test the premium went UP to over £1,000. It was at this point I discovered multi-car insurance.
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@Catogrande how does the multicar insurance work? We didn't add our son as a driver onto our car as it shot the premiums up too much but it may be worth it to balance out his own car.
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@Crucial said in Car Advice - Mummy Cars!:
@Catogrande how does the multicar insurance work? We didn't add our son as a driver onto our car as it shot the premiums up too much but it may be worth it to balance out his own car.
Basically you insure all your cars on the one policy (we have three). My car has me as named (ie main) driver and this benefits from my NCD. My car also has Mrs Cato as a secondary driver. The family car has Mrs Cato as main driver (to qualifies her for NCD - now she has five years), then me and Ms Cato No1 as secondary drivers. Third car has Ms Cato No2 as main driver (racking up her NCD as we speak) and the rest of us as secondary drivers.
You get the standard price if you insure one car and then get discounts across the board as you add further cars.
It costs me around £1,800 a year to insure as follows:-
Porsche 911S: Me plus Mrs Cato
Audi S3: Mrs Cato plus me and Ms Cato No1 (aged 25)
Mini One: Ms Cato No2 (aged 21 and no NCD as yet) plus the rest of us.All fully comprehensive insurance.
BTW it took a bit of bargaining to get the premium down from just over £2K initially, so always worthwhile trying.
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@Catogrande I thought the original Boxster was pretty gutless. But that was 20 years ago and they've made a lot of great changes since then. In 2011 they brought out the SS, it was a genuine grunt car but with the convertible and sleek look. My favourite of the lot, however I'm hearing great things about the 718.
I've never owned a Porsche, they're not my cup of milo, but friends own a Prestige car dealership that specialise in Porsche, so always get their hands on the latest for me to take for a cruise 😎
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@ACT-Crusader said in Car Advice - Mummy Cars!:
@Catogrande I thought the original Boxster was pretty gutless. But that was 20 years ago and they've made a lot of great changes since then. In 2011 they brought out the SS, it was a genuine grunt car but with the convertible and sleek look. My favourite of the lot, however I'm hearing great things about the 718.
I've never owned a Porsche, they're not my cup of milo, but friends own a Prestige car dealership that specialise in Porsche, so always get their hands on the latest for me to take for a cruise 😎
Yeah the original Boxster was gutless. Clarkson famously said it did not have enough power to pull a greased stick out of a pig's bottom. That was the 2.5l version. Then came the 2.7l which was upgraded a few times. I had the 2.7l second generation (I think). It was certainly quick but the chassis could handle so much more. The S version and then the GTS were much better. There was also the short lived Boxster Spider which was a stripped down version and was actually something special but no creature comforts at all. I went to the launch of the 718 at my local Porsche dealership and it does look to be the nuts. But alas I am now hooked on 911s.
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@ACT-Crusader Re Porsches not being your cup of milo. I totally understand, such things are very much a matter of personal taste.
Some people I do business with have good connections with the local Ferrari dealership and occasionally we get a bit of a jolly. Last year I got to have a blast on some local roads in four different cars. A Maserati Ghibli diesel (I kid you not), a Maserati Quattroporte, a Ferrari California and a 458 Italia. To be honest I was only taken with the Ghibli and the 458.
The Ghibli was a really easy car to drive, fast, comfortable and handled well and the engine sound was just great. When I asked how they got a diesel to sound so good they looked a bit sheepish and said something about a speaker system within the exhaust system
The Quattroporte was just a lump. The California was OK but TBH it offered nothing more than my 911 and did not have the same wow factor.
The 458 was a totally different kettle of fish and was just amazing. I had about 20 minutes driving in it and when I got out I was buzzing but it felt like I'd been driving for two hours. The sensations were just so immediate.
The 911 is a car you can easily pootle around town in, but then set in in sport mode and it becomes a beast. Put it in sport plus mode and it's like being back in the 458 but not quite the same level of performance. On a longish trip up to London (about 200 miles for me), I can AVERAGE over 70mph and still get 32 mpg from the 911. Not planet saving I know but not too shabby for the performance levels.
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@Catogrande I like hatchbacks with a bit of zip. I've had Polo and Golf GTi's, A3 2.0, 147 GTA.
A couple of months ago tested the A45 AMG, M135i and RS3. For overall performance as both a general use car and something to have a bit of fun with, the A45. But for pure grunt I found the RS3 more punchier than the A45. I was pleasantly surprised by the M which has a base price that is heaps cheaper than the other two, but BMW always has those expensive extras which other brands tend to include as standard. The M did seem a less heavier ride than the A45 even though it carries the 3.0 six against the 2.0 four.
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@Crucial some insurers still ask for evidence, but others operate on you being truthful about it, plus it's with your existing insurer it matters.
I had someone back into my parked car earlier in the year and drive off, $4 k damage...
The U.K. Car insurance market has long been a basket case, not sure if the last 3 or 4 years have changed, but prior to that it hadn't made any money for about 10 years! Great business to be in....
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Annddd there goes my thread about Mummy Cars!
Not that I'm complaining, sports cars are far more interesting.
Although I appreciate that the Boxster and Cayman are great cars in their own right, I am 100% in the Richard Hammond school of thought about them:
There’s only one reason you buy a boxster - one - and it’s because you can’t afford a 911. That’s it.
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959 would be my preferred choice, well, in its day anyway...the good thing about having a vehicle like that is there is no room for the kids.
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@MajorRage said in Car Advice - Mummy Cars!:
Although I appreciate that the Boxster and Cayman are great cars in their own right, I am 100% in the Richard Hammond school of thought about them:
There’s only one reason you buy a boxster - one - and it’s because you can’t afford a 911. That’s it.If you like driving the Cayman is pound for pound the best Porsche. Having said that, I still lust for a GT3 RS in ways I don't for a GT4.
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@ACT-Crusader BMW and extras - I know what you mean. I had to pay £90 extra for floor mats in my 911. How the fuckety-fuck are floor mats considered extras?
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@Crucial said in Car Advice - Mummy Cars!:
I don't get sports cars. Unless you have access to a race track they are the equivalent of waking up with a throbbing morning wood and no one to share it with except yourself.
So. Like most days then.