would it be stupidly expensive to insure

Discussion in 'Motoring & Motorsport' started by chairboy1, Mar 16, 2009.

  1. chairboy1

    chairboy1 WANTED: user title

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    a really old porsche 924 2 door 4seat standard model, 1982 i think

    with me (currently not passed- 18yrs old) as a named driver, under my dad has had no claims for years and years (well, none which got put as his fault, had one where other driver took responsibility).

    he's had the car like 10 years, but it hasn't been insured for 18months as he simply didn't use it enough, so it's currently rotting in garage.

    he says it actually really really cheap to insure by himself (when he's arguin with mum bout reinsuring it :laugh:), so would there be any chance of me getting on it?

    i'm kinda clutching at straws here, but the other two cars in family are both automatic people carriers, and i can't afford to buy a car +lessons+ insurance etc
     
  2. StretfordEnd

    StretfordEnd Fools can be kings
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    2 litre or 2.5 litre? I think you'd be lucky to find anyone who'd insure you for either, but it may make a difference?
     
  3. chairboy1

    chairboy1 WANTED: user title

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    2 litre and it's definitely not the turbo one... it's a c reg whatever year that was.
     
  4. Geordielen

    Geordielen Still keeping the faith!

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    Have a search on something like confused.com and find out.
     
  5. chairboy1

    chairboy1 WANTED: user title

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    well, i'd need my dad to register on it.. and he won't
     
  6. Andy

    Andy Formerly Manutdlegend

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    Why do you need him to? Get your Dad down as the main driver and you as a named driver.

    It'll make it cheaper. You'll be lucky though to get insured probably.
     
  7. StretfordEnd

    StretfordEnd Fools can be kings
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    Just lie. You're only looking for a ballpark figure?
     
  8. chairboy1

    chairboy1 WANTED: user title

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    ye that's the "plan", me a named driver under him. i've got friends driving 2 litre focuses, and brand new golfs.. so maybe it's possible
     
  9. RedDev

    RedDev Back from a long break.

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    The performance on it isn't going to be anywhere near what it was originally so I can't see why you wouldn't be able to do it that way.

    Just ring up and ask?
     
  10. chairboy1

    chairboy1 WANTED: user title

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    ye, that's what i was thinking.. although it hasn't done many miles and my dad sorted it out under the bonnet , no new bits i don't think, more just cleaned it all out, refitted/ tightened everything (he's a mechanical engineer so he likes doing that sorta thing:P)

    i'll try and persuade him to ring up, he knows all the details of the car and how the insurance malarkey works.

    i'd be a pimp with it in the summer :smokin:
     
  11. RedDev

    RedDev Back from a long break.

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    You can only see and hope but for a first car if it has the speed it once did really watch yourself as I wouldn't advise anybody "really" to have a 2.0l car for their first as when you pass your test you still can't drive.

    It takes a good half a year until you'll fully get the hang of everything.

    You'll also have to remember that if you get in a crash in it, the safety rating on it won't be the highest as modern vehicles are much safer to be in.
     
  12. crstig

    crstig The ShowStopper

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    I don't think you should be allowed a car that powerful unless you are 23 and have at least 5 years driving experience.
     
  13. RedDev

    RedDev Back from a long break.

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    A bit steep there, I would say 21 and 2 years driving.
     
  14. darren9

    darren9 Registered User

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    It probably will be ridiculously expensive it may be old and it may not be the top spec but its still a porsche and that means pound signs in the eyes of the insurance companies.

    The best thing you can do is to ring up insurers but I wouldn't even bother with the mainstream and I certainly wouldn't try those stupid internet comparison sites as they're just so expensive. Ringing insurance companies is time consuming but with the circumstances you have you'll get the best price. I suggest you try specialist sportscar or classic insurance. Is your old man a member of the porsche club GB or any other clubs? They'll know the best people to go to for insurance and may even have discount schemes.

    As for everyone who says what you "should" have at certain ages just dont listen to them.

    But what I would say is that the porsche will be a different animal to your driving instuctors car which comes laded with PAS, ABS and all other mod cons. Your porsche probably wont (and I have to admit I don't know specs on the 924 so I may be wrong) I think the porsche is also RWD while your instructors car will be FWD. You can not believe how different it is driving a RWD to a FWD especially a performance orientated one.

    If you are lucky enough to persuade your old man to let you drive the porsche and can get insurance then the best thing to do would be to take some further training. Take your pass plus just because it teaches you to drive on motorways which no-one seems capable of in this country (which is why every idiot spends every journey sat in the middle f*cking lane dabbing their brakes constantly) and after that take a proper advanced driving course which will teach you some roadcraft. Oh and take it on a track day so you can learn the limits of the car somewhere (relatively) safe.

    Good luck with it.

    If you do get to drive it then buy some old scool fila jackets some espadrills and some pastel coulored suits with the sleeves rolled up and embrace the 1980's cool!
     
    #14 darren9, Mar 17, 2009
    Last edited by a moderator: Mar 17, 2009
  15. RedDev

    RedDev Back from a long break.

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    ....and why would that be? I can't think of anything more dangerous than a young driver, just passed and driving a fast car. Thats the reason why insurance premiums sky rocket for all of us who don't drive like idiots.

    Just past, you have no concept of speed, breaking distance, how to over take a car and the room needed, how to drive at night, in rain, the speed you can go round corners, how to predict what's going to happen etc etc.

    My guess btw is your Dad is unwilling to do it because he doesn't want you driving it and you also have to think about the quite high possibility you will crash it and the effect that will have on your Dad's no-claims. It might seem a "cool" idea, but really it's a silly one.
     
  16. darren9

    darren9 Registered User

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    Did you read the rest of my post or did you just see me disagreeing with you and get upset? I said don't listen but then gave advice to make him a safer driver which surely is more important than just stopping someone having a fast car.

    Its not just young drivers that drive like idiots though is it? I know plenty of young people who drive very well, very sensibly. At the opposite end of the spectrum I know plenty of older people who drive like complete and utter idiots mostly because their "experience" means that they have got into bad habbits who sit in their hunk of metal cocooned from the outside world who also have no idea of any of the things you've listed above.

    Exeprience isn't the most important aspect in driving is it?

    The fact that someone is a younger driver makes no odds. Driving around in a 1 litre fiesta will not give you any concept of speed, braking distance, how to overtake a car, speed to take corners etc. All that is subjective to the car.

    the problem is not the age or experience of the vast majority of drivers on the road. The problems with our roads are that people are under the assumtion that they somehow have the right to drive. Driving is not a right it is a privilage. In my opinion (and I am aware that this is only an opinion) the driving test should be much much harder. It should be about "reading" the road and should include elements of roadcraft. People now believe that it is merely speed which kills. It isn't. Idiocy kills and I'm afriad driver eduction in this country simply does not address that fact.

    I see no problem with someone having a faster car when they pass. Power and speed in a car does not make them inherrently more dangerous. A faster car has better brakes and better suspension in order to cope with the extra power. We live in a free country, (actually we don't but I'm not going to start my rant about this Government thats for a different thread, for a different time) who are we to tell anyone what they can or can not drive. No-one can tell me what I should be driving (apart from SWMBO :whistle)

    I agree with some of the points you have mentionned. but the problem isn't that the people who have just passed their test aren't competent drivers, the problem is the driving test doesn't prepare people sufficiently.

    What should happen is that people are given more appropriate driving education. I did a 3 week advanced driving course which included how to read the road, where to position your vehilce in the road for the best view and how to make safe progress. This should be taught but it isn't.

    Too many people jump in with their "shouldn't have that" attitude. If thats what someone wants then let them. Just give them the correct knowledge to have it. People are too negative theres too much of a "dont do this" or "ban that" attitude in this country. I say if you can run a porsche when you're young then why not? You just need to know what you're doing.

    To the OP if you can get to drive the porsche then do. But join IAM (institute of advanced drivers) or take an advanced driving course such as one of these

    http://www.cadence.co.uk/index.php?option=com_content&task=blogcategory&id=5&Itemid=15

    they will teach you how to drive properly and it is done in your own car and on open roads which will give you an insight into how to drive properly, not how to pass a driving test.

    Also buy yourself a copy of "roadcraft" it will be a boring read but if you can digest some of it then you'll be a better and a safer driver.
     
    #16 darren9, Mar 17, 2009
    Last edited by a moderator: Mar 17, 2009
  17. Andy

    Andy Formerly Manutdlegend

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    Do those courses count as lowering your insurance?

    e.g like Passplus.
     
  18. darren9

    darren9 Registered User

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    I don't think so, mine certainly didn't (but it was work related) but thats not the point really. The point of them is to teach you proper roadcraft rather than driving around bumper to bumper like the rest of the country do.

    I drive quickly or I did when I had a capable car and I drove safely when I did it. ALL of my overtakes were planned and were as safe as can possibly be. I was always looking to the horizon building any obstacles into my driving plan. But, I would still be flashed by people who thought my actions were dangerous, these would be people sitting at 45mph regardless of road conditions, traffic conditions, speed limits and all of the other factors you should consider. Believe me making progress if done in the correct way doesn't need to be dangerous and when I was driving like that I was very aware.

    I sold my car about 4 months ago and since then I have driven my girlfriends 1.2 clio. I am much more damgerous in this than I was in my 2.0 hot hatch. Honestly I am. I just don't think when I'm behind the wheel anymore because its all so easy.

    And thats the problem. Cars and power outputs of cars are irrelivant. The major factor is not experience or what car the person is in its that individual person.
     
  19. RedDev

    RedDev Back from a long break.

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    I agree in principle with what you are saying Darren but thats all dependent on the skill and temperament of the young driver.

    There is no doubt that older drivers can be just as worse but there is a reason why insurance for young drivers is so high. There is a reason why young drivers have the reputation they do and why young drivers have far more accidents than any other age group.
     
  20. Bundy

    Bundy Registered Boozer

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    I'm struggling to see why anyone would want to take driving lessons in a 1985/6 bucket of shite Porsche 924 which wouldn't be a great car to learn in, when you could just buy a random small car with a years mot and tax to do the job, and the insurance on that would be pretty cheap :hmmm
     

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