MartinW Posted February 27, 2019 Share Posted February 27, 2019 I wasn't in the market for buying a second 350z but an opportunity has presented itself to buy one v cheap (friend of a friend is selling) so I'm going to take a look on the weekend. The idea is that this car will mainly be used for tack days or in an emergency if there is a problem with my main car. It needs to be road legal to get to the track days. The car has been modified, things like a plenum spacer, upgraded brakes, polybushes etc. What's the best way to insure this car cheaply with limited miles? I would consider just doing temporary insurance only when I need it but so far I haven't found a company that will cover modified cars for just a day or 2. Quote Link to comment Share on other sites More sharing options...
LRF4N Posted February 27, 2019 Share Posted February 27, 2019 My 350gt is a weekend car, just renewed at 425 quid with sky insurance. They matched quotes from confused.com All mods declared, only 3000miles a year I was 500 last year. 10 years ncb Quote Link to comment Share on other sites More sharing options...
MartinW Posted February 27, 2019 Author Share Posted February 27, 2019 My main 350z is insured with a few mods (polybushes and brakes) for about £500 per year with hic. Just put a quote into compare the meerkat for this second car and the cheapest quote was over £1k. Not sure if it was the plenum spacer mod or because of 0 NCB (my NCB can only be used against the 1st car right?) That bumped it up so much. Will have to make a few phone calls to the specialist insurers by the looks of it. Quote Link to comment Share on other sites More sharing options...
rabbitstew Posted February 27, 2019 Share Posted February 27, 2019 Problem here is that you can only use your NCB on one vehicle. When I looked at buying a £500 old banger to run in the week I figured insurance companies would be over joyed as it meant the risk of me having an accident in my more expensive car would be significantly less. However, when I spoke to various companies, as I was using my NCB on my main car, it meant I would have no NCB on the old banger, which meant it would cost a fortune to insure, making the whole thing not financially viable. Even when I looked at so called "multi car" policies, the premium they wanted only applied my NCB to one car. I have heard of people where companies have happily mirrored their NCB on other vehicles, but no companies offered to do that for me. What I had to do several times in the past when I have needed to use a 2nd car for a week or so, is to take out temporary day by day insurance. I believe I used Adrian Flux last time. It wasnt cheap. Quote Link to comment Share on other sites More sharing options...
MDMetal Posted February 27, 2019 Share Posted February 27, 2019 1 minute ago, rabbitstew said: Problem here is that you can only use your NCB on one vehicle. When I looked at buying a £500 old banger to run in the week I figured insurance companies would be over joyed as it meant the risk of me having an accident in my more expensive car would be significantly less. However, when I spoke to various companies, as I was using my NCB on my main car, it meant I would have no NCB on the old banger, which meant it would cost a fortune to insure, making the whole thing not financially viable. Even when I looked at so called "multi car" policies, the premium they wanted only applied my NCB to one car. I have heard of people where companies have happily mirrored their NCB on other vehicles, but no companies offered to do that for me. What I had to do several times in the past when I have needed to use a 2nd car for a week or so, is to take out temporary day by day insurance. I believe I used Adrian Flux last time. It wasnt cheap. Mines mirrored with admiral, that's from my cheap 350 onto something much more pricey! Quote Link to comment Share on other sites More sharing options...
rabbitstew Posted February 27, 2019 Share Posted February 27, 2019 3 minutes ago, MDMetal said: Mines mirrored with admiral, that's from my cheap 350 onto something much more pricey! Admiral was one of the companies who didnt want to know! Maybe they have changed their minds recently. Quote Link to comment Share on other sites More sharing options...
Andy_Muxlow Posted February 27, 2019 Share Posted February 27, 2019 I had the same issue when I got my 1st 350z. Admiral didn't and wouldn't mirror my no claims discount to it. I had to have a fresh policy with 0 no claims. Quote Link to comment Share on other sites More sharing options...
LRF4N Posted February 27, 2019 Share Posted February 27, 2019 Most companies used to mirror ncb. Admiral did for me Quote Link to comment Share on other sites More sharing options...
MartinW Posted February 27, 2019 Author Share Posted February 27, 2019 Just called sky insurance who are able to mirror my NCB. Quote came in at about £610. Bit disappointed as it's more than my current z even though it's with limited miles. Quote Link to comment Share on other sites More sharing options...
ilogikal1 Posted February 27, 2019 Share Posted February 27, 2019 There’s a sweet spot with mileage - too high and the premium goes up because statistically you’re more likely to crash (or be crashed into), too low and the premium goes up because statistically the car is more likely to get stolen (or crashed into...). Quote Link to comment Share on other sites More sharing options...
MartinW Posted February 27, 2019 Author Share Posted February 27, 2019 Might have to have a play on the comparison sites then with adjusting the mileage. Got a quote from Adrian flux for single day insurance at £60 so I might just go with that whenever I need the car rather than a whole year policy, guess I just need to work out how frequently I'm actually gonna be using it. Quote Link to comment Share on other sites More sharing options...
pagan Posted February 27, 2019 Share Posted February 27, 2019 What is the "sweet spot" miles Quote Link to comment Share on other sites More sharing options...
ilogikal1 Posted February 27, 2019 Share Posted February 27, 2019 Varies between the insurers but from my experience it tends to fall around 7-9,000 miles. Of course, you should always be honest with your responses. Quote Link to comment Share on other sites More sharing options...
scobie140 Posted February 28, 2019 Share Posted February 28, 2019 12 hours ago, MartinW said: Might have to have a play on the comparison sites then with adjusting the mileage. Got a quote from Adrian flux for single day insurance at £60 so I might just go with that whenever I need the car rather than a whole year policy, guess I just need to work out how frequently I'm actually gonna be using it. Surely you will use it more than 10 days throughout the year? if so then the sky policy is a much better deal than this Quote Link to comment Share on other sites More sharing options...
MartinW Posted February 28, 2019 Author Share Posted February 28, 2019 2 hours ago, scobie140 said: Surely you will use it more than 10 days throughout the year? if so then the sky policy is a much better deal than this Probably but only just. I've got the temp insurance for a day anyway so I can do a test drive and then get it home if I buy it, from there I can spend a bit more time evaluating my options Quote Link to comment Share on other sites More sharing options...
DAN@ADRIAN FLUX Posted March 4, 2019 Share Posted March 4, 2019 Hi. Did you get an annual insurance rate from ourselves? Regards, Dan. Quote Link to comment Share on other sites More sharing options...
MartinW Posted March 5, 2019 Author Share Posted March 5, 2019 14 hours ago, DAN@ADRIAN FLUX said: Hi. Did you get an annual insurance rate from ourselves? Regards, Dan. Hi Dan Yes I did. It came in at 7 hundred and something which is about £100 or so more than my sky insurance quote. I bought the car but haven't insured it for the year yet, gonna put it through its MOT v soon then think again about the insurance. Do you think there's anything we can do to get your quote down? Happy to speak on the phone or private msg on here. Cheers Martin Quote Link to comment Share on other sites More sharing options...
DAN@ADRIAN FLUX Posted March 5, 2019 Share Posted March 5, 2019 Hi Martin, Thanks for the message and if you wished to message me your full name / postcode I can certainly take a look at the premium. Thanks, Dan Quote Link to comment Share on other sites More sharing options...
MartinW Posted March 5, 2019 Author Share Posted March 5, 2019 PM sent :) Quote Link to comment Share on other sites More sharing options...
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