[chrismanchr]

ive had my boxster now since october and apart from a few issues ,its been great but I have one major issue

its just to impractical ,but i want to keep it !

theres 2 solutions I sell it and buy a bmw coupe

or i get another car ,a run about that i can take to b&q or fishing ,and work when the weathers cr*p

but insurance is the issue ,my no cliams which is 9yrs is tied up in the boxster and I cant mirror my no cliams on another
car because I had a fault claim 2 years ago

now to insure say a 2001 306 hdi would be about 800quid and thats just too much ,same for say a 2002 td4 freelander (800)
I live in manchester (chorlton) and its a high insurance area but i am 41yrs old
or maybe a could get a mk2 golf gti and put it on classic but then its an old car and i want a runabout

now ive put this thread in the main forum because its not just about insurance

suggestions greatly appreicated

[chrismanchr]

sorry about the 3 posts dont know what happened there !

[DaveyLC]

Buy a modern diesel hatch-back.. Insurance is peanuts, tax is peanuts and fuel is peanuts.. Save the Boxster for the weekend!

I have a 1.5dci Megane for daily use.. £30 to tax! yes thats right 30 english pounds :| plus it does 60mpg's and costs just over £200 to insure fully comp.

[London987]

i did exactly the same. bought a polo 1.4, enough guts on the motorway, hatchback, big enough for 5 at a push, got all you need, cheap insurance (350 for central London) and servicing not too bad.

i found it the best compromise (getting a hack) but don't go too low as its probably the car you'll use the most!

[chrismanchr]

yeah i know what you mean london987 i dont want a complete hack ,its got to be totally practical but a decent place to be
cheap in everyway and totally diy servicable

cheapest insurance quote ive had though was 653 quid and that was a pug 206 1.1lx ,and i dont even like em lol

its all about getting the insurance cheap i dont mind spending 2k on the car but not nearly half that again on insurance

[London987]

is there any way you can get a specialist to help out? otherwise best bet would be to suck it up on the insurance and go for an accelerator policy, like elephant or admiral, where they do 10 month years. Or, give the multicar thing a go - i was hit in the back on a motorway, tied up the policy with admiral and it made it cheaper.

limited mileage might help too.

one thing to note, you will likely find there's not a great deal of difference when you go below a certain level as they will take your history into account so don't necessarily focus on really old/junky cars. for example i had a saab with a v6 engine - 15 years old. the insurance wasn't much off the boxster (i'm 37). the saab was worth the same as a sports steering wheel.

[chrismanchr]

yeah your right any car basicly from group 1 to 14 is about the same price even then higher groups arnt much of an increase and age is only an issue if it becomes under classic insurance then thats a whole different ball game lol

I sorta wanted a 2001 306 hdi meridian as a runabout car as ive had one before and it was extremely cheap to run and fix ,very reliable,and theres loads about so theres choice and good ones left

[Boxob]

A few tips (which you've probably had already) and in no particular order:

1. Add a female to the insurance on both policies (lower risk).
2. Or female insures one with you as named driver and visa versa. Aviva (then NU) mirrored my NCB for my wife who had none).
3. Do not insure for business use (including commuting) if you don't need it.
4. Limit miles on both policies (say 8k daily, 4k Boxster)
5. Play with the excess amount to get a good balance between savings and risk for both cars.
6. Barter for a two car discount though the same insurers.
7. Can you get one or both off the street (better still in a garage) for a discount. Rent (or parhaps swap for lawn mowing?) a non driving neighbours drive/garage?
8. Make sure second car is mundane. Japanese have good reliability eg Honda Jazz to keep running costs down.

Good luck.

[chrismanchr]

thanks boxob

lol female free household though ! lol

I'd need defo need commuting on both policies

miles? well ive done 6k in 6months work is 4 miles away but i quite often cycle to work

i have a 2 car drive plus a garage so the boxsters allway garaged any other car will be on the drive

second car well from group 1 to about 14 its really doesnt impact on the price that much its the fact i have no no claims as its all used on the boxster and i cant mirror the no claims bonus because i had a fault cliam( which i have to say wasnt my bloody fault it was some burke in a car park but my insurance admitted fault for me ! which made me very angry indeed)

[DaveyLC]

Sorry to repeat myself but try getting some quotes on more modern diesel's in insurance group 4 and lower..

I bet you'll be supprised! yeah you'll shell out more for the car but it will cost you half as much to insure, put petrol in and tax :)

[box100]

chrismanchr, on 27 June 2010 - 09:36 AM, said:

ive had my boxster now since october and apart from a few issues ,its been great but I have one major issue

its just to impractical ,but i want to keep it !

theres 2 solutions I sell it and buy a bmw coupe

or i get another car ,a run about that i can take to b&q or fishing ,and work when the weathers cr*p

but insurance is the issue ,my no cliams which is 9yrs is tied up in the boxster and I cant mirror my no cliams on another
car because I had a fault claim 2 years ago

now to insure say a 2001 306 hdi would be about 800quid and thats just too much ,same for say a 2002 td4 freelander (800)
I live in manchester (chorlton) and its a high insurance area but i am 41yrs old
or maybe a could get a mk2 golf gti and put it on classic but then its an old car and i want a runabout

now ive put this thread in the main forum because its not just about insurance

suggestions greatly appreicated

[box100]

The choice of something practical or fun is a difficult one, most of the compromises don't seem to really be good enough for either. I had a 3.0 406 coupe a few years ago, no where near the fun of the boxster, yet didnt feel very practical either, depreciation was way more than some extra insurance cost.

My view is that you can put up with something a bit boring if you also have a Boxster, you can then depreciate that with winter driving & long journeys etc. Also you wont have the hassle / loss involved in selling your Boxster.

Try admiral multicar (online) can work out very much cheaper than seperate policy's if you put high excess and only have low mileage, they dont seem to hit you so hard for lack of NCB on your second car.

[boxred]

box100, on 03 July 2010 - 01:24 PM, said:

The choice of something practical or fun is a difficult one, most of the compromises don't seem to really be good enough for either. I had a 3.0 406 coupe a few years ago, no where near the fun of the boxster, yet didnt feel very practical either, depreciation was way more than some extra insurance cost.

My view is that you can put up with something a bit boring if you also have a Boxster, you can then depreciate that with winter driving & long journeys etc. Also you wont have the hassle / loss involved in selling your Boxster.

Try admiral multicar (online) can work out very much cheaper than seperate policy's if you put high excess and only have low mileage, they dont seem to hit you so hard for lack of NCB on your second car.

Multicar would be best,or classic car you don't need NCB!

[chrismanchr]

yeah i was thinking of gettin a golf mk2 gti as a second car because the insurance is classic and should be fairly cheap maybe even sub 200quid