Model Boat Mayhem

Mess Deck: General Section => Chit-Chat => Topic started by: U-33 on August 18, 2014, 03:24:28 pm

Title: Car insurance...
Post by: U-33 on August 18, 2014, 03:24:28 pm
Owing to a slight hiccup, I can't have a Motability car until the end of February next year  <:(  so I've decided to buy something to get me mobile again and then sell it when I'm eligible for my Motability car.


I've found a 2002 Nissan Almera Tino SE estate, 1769cc with 69900 miles on the clock, two previous owners...it'll come fully serviced, with a full new 12 month MOT. The garage wanted £1295 for it...I offered £1150 in folding, looks like we may have a deal at that. Test driving it tomorrow..


Phoned Churchill, because they were my last insurers and they've always been good to me...got a quote of £296.80 fully comprehensive with Green Flag breakdown cover for a year thrown in. Bearing in mind I haven't driven for nearly three years, does that sound a reasonable price?


Your comments welcome...




Rich
Title: Re: Car insurance...
Post by: TugCowboy on August 18, 2014, 03:29:07 pm
Can't moan at that.

Anything under £500 for car insurance is a result these days I reckon.

Title: Re: Car insurance...
Post by: Netleyned on August 18, 2014, 04:08:51 pm
If you take the cost of comparable breakdown cover away
I would say it is pretty reasonable.

Ned
PS waiting to be shot down :}
 
Title: Re: Car insurance...
Post by: IanPal on August 18, 2014, 04:21:10 pm
Rich, I think your find it hard to better that, as Ned said, take  the 70-80 quid breakdown cover away that's a touch over £200 for full comp.
What happened to the Ford then?


I think I'll stay in tomorrow if your out for a test drive then  :P
Title: Re: Car insurance...
Post by: inertia on August 18, 2014, 04:31:24 pm
Did you try one of those comparison websites? If nothing else it will confirm that your deal with Churchill is good VFM (or otherwise).
DM
(Hope your hiccups gets better before February.........)
Title: Re: Car insurance...
Post by: Netleyned on August 18, 2014, 04:33:16 pm

What happened to the Ford then?

Bent it on a test drive :D

Ned
Title: Re: Car insurance...
Post by: Netleyned on August 18, 2014, 04:50:15 pm
Rich.
If you have higher rate DLA mobility there should not be a
problem unless you have fallen foul of the PIP monster >>:-(

Ned
Title: Re: Car insurance...
Post by: U-33 on August 18, 2014, 04:55:17 pm
Good news that...thanks guys, it seemed pretty good to me. Looks like my poor old flexible friend is due for another hammering very soon...


Ian...the Mondaeo Mondeo Modayo  Ford would have even more expensive to insure, and dearer to run as well, and it's a big old lump of a car too. Probably a wise choice to stay indoors...and safer.


Rich
Title: Re: Car insurance...
Post by: Netleyned on August 18, 2014, 05:09:58 pm
Test drive over some bumpy old roads Rich.
Nipponese transport is a bit hard on the old bones.
Their roads are so smooth they seem to forget
to soften the suspension for Blitish Pothors.

Ned
Title: Re: Car insurance...
Post by: U-33 on August 18, 2014, 06:16:30 pm
All our roads are bumpy down here, Ned...a series of pot holes with the odd bit of tarmac joining them together.


Rich
Title: Re: Car insurance...
Post by: Tug-Kenny RIP on August 18, 2014, 08:23:01 pm

That does seem reasonable insurance.  If you can keep the mileage quote down it gets even better.   I'm down to 2000 miles a year these days and my insurance on the Volvo estate is £204. 

It's the road tax that upsets me ??.   The bloke next door pays nowt for his.  Something to do with emissions , I believe.   %)

Cheers

Ken
Title: Re: Car insurance...
Post by: malcolmfrary on August 18, 2014, 08:30:19 pm
Insurance is the right area, when testing, look for lumpy running, typically on gentle acceleration through 30mph.  Its about the right age for a dodgy timing chain and/or one of the two(?!) sensors and/or the MAS and/or the air cleaner.  And probably anything else on a modern engine that can no longer be fixed with either a 1/2"AF spanner or a hammer.
Title: Re: Car insurance...
Post by: Netleyned on August 18, 2014, 08:31:45 pm
You need to keep your emissions to the minimum Ken
Keep off the beans and sprouts %%

Ned
Title: Re: Car insurance...
Post by: U-33 on August 18, 2014, 08:33:32 pm
I don't have to worry about road tax...I still qualify for free road tax.   %)


Rich
Title: Re: Car insurance...
Post by: Tug-Kenny RIP on August 18, 2014, 08:57:25 pm
You need to keep your emissions to the minimum Ken
Keep off the beans and sprouts %%

Ned


I've always wondered why my good lady says  Not to start the car until she gets in.    {-) {-)


ken
Title: Re: Car insurance...
Post by: essex2visuvesi on August 18, 2014, 10:09:03 pm
I have a 2006 Mazda RX8
For a performance car the insurance is quite reasonable.  Considering I have an EU license, Only 1 years NCB (Most UK insurance companies do not recognise NCB earned in other countries, although it works fine the other way!)
My insurance is just over £400 with 6,000 miles
My road tax on the other hand is 500  :o
We wont go into running costs lol (rotary engine) >>:-(
Title: Re: Car insurance...
Post by: grendel on August 19, 2014, 08:08:25 am
my volvo comes out to 3x that, but with 30,000 miles a year plus 10,000 business miles, I expect the premiums to be higher.
Grendel
Title: Re: Car insurance...
Post by: U-33 on August 19, 2014, 09:36:54 am
I'm on 5000 miles a year, I shan't be going very far. Down the village shopping, down to the lake with a boat, take the ladyfriend out now and again, and that'll be about it.


Rich
Title: Re: Car insurance...
Post by: Bob K on August 19, 2014, 10:17:07 am
On retirement I retired my huge 16 year old gas guzzling Hyundai and bought a new 1.0L Vauxhall Agila.
Fully Comp £208.  Road Tax £20 (why can't I pay it monthly?) and over 50 MPG. Running costs well under a third
The tiny boot is adequate for my boat trolley and the back seat width is only a centimetre less than the Lantra for boats.
Title: Re: Car insurance...
Post by: U-33 on August 19, 2014, 10:27:51 am
I looked at a couple of small cars, but my U-47 was bigger than the perishin' car!  <:(


Rich
Title: Re: Car insurance...
Post by: DarrenCarter2 on August 19, 2014, 10:29:20 am
I'm 28 with 10 years no claims with a 1.4 16v vw polo and paying £400 a year I'd say ur getting it cheap considering u haven't been driving for 3 years so any no claims u had has now gone, my 18 year old brother inlaw just had to pay £1400 for a years insurance on a 1.0L baring mind that's cheap as we were getting offers at £2000
Title: Re: Car insurance...
Post by: U-33 on August 19, 2014, 10:36:40 am
Churchill did say that they would honour my last four years no claims discount because I was a returning customer and would be paying a year's worth of insurance up front.


Rich
Title: Re: Car insurance...
Post by: IanPal on August 19, 2014, 11:03:35 am
I'm 28 with 10 years no claims with a 1.4 16v vw polo and paying £400 a year I'd say ur getting it cheap considering u haven't been driving for 3 years so any no claims u had has now gone, my 18 year old brother inlaw just had to pay £1400 for a years insurence on a 1.0L baring mind that's cheap as we were getting offers at £2000


My 18 year old son tried for a quote on my old Vectra SRI 150, I did laugh before he even called them as I knew what was to come.


The quote was £4600. Why don't they just say up front, sod off, it would save going through all the questions  {-)


Sorry Rich gone a bit off topic, How was the test drive, Is it safe to go out yet?  %%
Title: Re: Car insurance...
Post by: U-33 on August 19, 2014, 11:22:51 am
Mornin Ian,


Yep, all is well mate...just got back in. I am now the owner of a Nissan Almera Tino SE, so stand by your beds, Sussex...I am back on the road.


I collect it next week sometime, it's going in for a service, MOT, and a new clutch (at my insistence)


How's that servo arm...all done now?


Rich

Title: Re: Car insurance...
Post by: U-33 on August 19, 2014, 12:00:37 pm
Oh, and the U-47 fits in it ok, so the Akula will be fine. The Deep Dive will fit in the glovebox!


Rich
Title: Re: Car insurance...
Post by: TugCowboy on August 19, 2014, 01:01:23 pm
Oh, and the U-47 fits in it ok,

That's what we like to hear! Who cares about MPG and how comfy the seat is, as long as the models will fit in.  :-))
Title: Re: Car insurance...
Post by: U-33 on August 19, 2014, 01:15:32 pm
The chap that brought the car round for me to test drive seemed a bit miffed when I asked him to lower the rear seats, then go upstairs and fetch the U boat down to see if it would fit inside. That made him earn his commission for today...   ;D


Rich
Title: Re: Car insurance...
Post by: Z750Jay on August 19, 2014, 02:40:49 pm
Insurance is the right area, when testing, look for lumpy running, typically on gentle acceleration through 30mph.  Its about the right age for a dodgy timing chain and/or one of the two(?!) sensors and/or the MAS and/or the air cleaner.  And probably anything else on a modern engine that can no longer be fixed with either a 1/2"AF spanner or a hammer.
I have a 1/2 AF and a hammer if needed. Also a worryingly large collection of knives I found in a draw under my bench
Title: Re: Car insurance...
Post by: U-33 on August 19, 2014, 02:45:47 pm
Meet my new baby...


Rich
Title: Re: Car insurance...
Post by: Z750Jay on August 19, 2014, 02:59:46 pm
Nice sized motor there sir. Plenty of space, I envy you as this is my boat transporter:
Title: Re: Car insurance...
Post by: TugCowboy on August 19, 2014, 03:03:50 pm
Looks nice and tidy, loads of room, perhaps time to build another big sub now you have all that space?
Title: Re: Car insurance...
Post by: U-33 on August 19, 2014, 03:44:47 pm
Problems are:


Due to this damn rheumatoid arthritis I can't lift big boats any longer.   <:(
I just don't have room in my flat for any more big boats.    <:(
I can't get big boats up and down the stairs.   <:(


Apart from that, I'd love another big boat... %)


Rich
Title: Re: Car insurance...
Post by: Shipmate60 on August 19, 2014, 04:43:38 pm
Rich,
No sign of a ground floor flat yet then?


Bob
Title: Re: Car insurance...
Post by: U-33 on August 19, 2014, 04:57:54 pm
Not a sniff, Bob...but after all the work my landlady has done in here for me, and the fact that I can manage the stairs now, I don't really mind. I like living here, I like the village, and I don't really mind about having to build small boats either. Nine foot submarines are all well and good, they look beautiful out on the water, but now I'm an old fart I couldn't lift one in or out of the water any longer. Unless it was a huge ground floor flat, I'd still be stuffed with a big boat.


Rich
Title: Re: Car insurance...
Post by: IanPal on August 19, 2014, 06:07:53 pm
Well you could of bought a small truck with a Hiab on the back instead of that Nissan......
Title: Re: Car insurance...
Post by: U-33 on August 19, 2014, 06:12:23 pm
Then I could have lifted the U boat out of the window...


Rich
Title: Re: Car insurance...
Post by: malcolmfrary on August 20, 2014, 09:34:43 am
I have a 1/2 AF and a hammer if needed. Also a worryingly large collection of knives I found in a draw under my bench
I already have a similar toolkit - my gripe is that as with most modern cars, you need a computer to tell you guess at which bit to replace.
Title: Re: Car insurance...
Post by: Z750Jay on August 20, 2014, 12:21:52 pm
Lucky my wife replaces her car every 4-5 years once she has put a 100,000 miles on it. As she only buys 6 month old ex demo Honda's they never go wrong and as she picked the house without a garage she has to pay to get it serviced.
Currently going through the draws on my workbench and sorting out all the tools that 50 years of magpies have acquired. I have 12 pairs of electrical pliers (the red ones). I can see the need for 3 or 4 (1 in toolbar, 1 in draw and 1 to replace the one that gets nicked) but why in earth does a electrician need 6 pairs on tin snips?

Title: Re: Car insurance...
Post by: dreadnought72 on August 21, 2014, 12:18:00 am
I've found a 2002 Nissan Almera Tino SE estate, 1769cc with 69900 miles on the clock

If it's as reliable as my 2002 Nissan Almera SE (1600?) you'll be laughing. I bought that car at 30k miles and got to 160k miles before (reluctantly) trading it in for something bigger. During that time it let me down precisely once. (Battery reached six years and died one frozen morning.)

Andy