Our car-centric nation!

[Drago]

I get the missus to push start it.

 

[Beebo]

The issue here is the fact it is a kit car.
These tend to require specialist insurance.
And there will be very few kit car owners who use it as their only vehicle.
Most kit car owners will be petrol heads with a fleet of old cars.

 

[mustang1]

I get the missus to push start it.

Uphill too, ya know just for fun.

 

[All uphill]

Uphill too, ya know just for fun.

No, I've never done that

 

[Dadam]

But the 1.6 looked nicer, was nearly as quick, and was fizzy fun.

Indeed. It was freer revving and from what I've read the 1.6 engines usually developed more than the claimed 115bhp. In contrast the 1.9 units often struggled to reach the headline 130 bhp so there was very little between them in the real world.

I loved my white 1.6. The engine had a lovely rasp like an old Bugatti.

 

[Dadam]

I wasn't sure where to put this, so apologies if it's not in the correct place!
I was phoning around for insurance quotes for my kit car. It's currently on a limited mileage (2500 miles) and one of the brokers I spoke to wanted to know what other vehicles I have access to. I explained I'm a named driver on my Wife's car and also my Daughter's (although she lives at a different address). The broker was quite abrupt and said 'is that your main car', to which I replied "It is our main car, my Wife is the main driver and I do more miles per year on my pedal bikes than I do in the kit car. She didn't seem to accept this, and I reinforced it with "I think the kit car did 1020 miles between MOT's in the last year. Years ago I had a similar issue (with a different kit) and a broker wanted the details of my other vehicle, so I gave the frame number of my bike. The broker said " we can't find that vehicle", so I explained what it was, and that I used it for daily commuting - They accepted it. Maybe times have changed? Do folk who walk, or use their pedal bikes or public transport all have issues with kit or classic car insurance on low- mileage? I'm more than happy to have my MOT mileages inspected if that helps.
Rant over.

I suspect the insurers are just trying to check you're not "fronting" i.e. just being a named driver on someone else's policy when it's actually your main vehicle, which is fraud.

As the vast majority people with a kit car will have a daily driver as well, not having one will be ringing alarm bells.

 

[Ming the Merciless]

Do you kick start it?

Nah, he just kicks it

 

[Fastpedaller]

I suspect the insurers are just trying to check you're not "fronting" i.e. just being a named driver on someone else's policy when it's actually your main vehicle, which is fraud.

As the vast majority people with a kit car will have a daily driver as well, not having one will be ringing alarm bells.

As I'm retired (which I told them), I don't have the need to drive much, but I sometimes drive my Wife's car, which she uses it for work, and I am definitely not the main driver. I do more miles on my pedal bike than I ever do it the car (and certainly more hours). It grates that they think everyone uses a car..... What next, they join forces with BBC and use detector vans, because everyone MUST use a car and a TV?

 

[Drago]

I moved house so I wouldnt needmto drive everywhere as I got older, and now no longer have a daily use car.

My campervan is on a limited milege policy with no commuting, and my C70 is on a classic car policy. I don't have a "main" car as I don't need one.
- im easy walking distance from the shops, docts, cafe, and garden centre so don't need a car at all. Thus far insurers, Carol Nash and Ailing Fux, have been fine with that.

 

[Fastpedaller]

I moved house so I wouldnt needmto drive everywhere as I got older, and now no longer have a daily use car.

My campervan is on a limited milege policy with no commuting, and my C70 is on a classic car policy. I don't have a "main" car as I don't need one.
- im easy walking distance from the shops, docts, cafe, and garden centre so don't need a car at all. Thus far insurers, Carol Nash and Ailing Fux, have been fine with that.

I tried calling Carole Nash on the phone, but it seems they only do online quotes, so i didn't go any further.

 

[Pblakeney]

I tried calling Carole Nash on the phone, but it seems they only do online quotes, so i didn't go any further.

Why ever not?

 

[Fastpedaller]

Why ever not?

Because it's specialist, low-mileage kit car insurance, I'd prefer to discuss with a human.

 

[Pblakeney]

Because it's specialist, low-mileage kit car insurance, I'd prefer to discuss with a human.

And I thought I was old. 😂

 

[Drago]

I prefer to get a quote online in order to avoid getting wound up by incompetent twits.

 

[Alex321]

As I'm retired (which I told them), I don't have the need to drive much, but I sometimes drive my Wife's car, which she uses it for work, and I am definitely not the main driver. I do more miles on my pedal bike than I ever do it the car (and certainly more hours). It grates that they think everyone uses a car..... What next, they join forces with BBC and use detector vans, because everyone MUST use a car and a TV?

They can check quite easily, just from looking at MOT records. That shows how many miles you have done between annual tests.