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Rally Pack 2000

Raising the Insurance Value of my Escort

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Since the insurance on my Mk2 Escort was up for renewal I decided to raise it from  the $1500 (800 quid) that it has been since the 90s. It just cost me that much for the new stripes alone so I figured I should insure the paint as well at the very least.

So I go into the company office where this car has been insured with them unbroken for 33 years. And the lady serving me asks if its a vintage car. I said no its not pre war or anything. She said then its classed as an every day driver. I said no it was insured as a limited kilometre classic but she didnt know what that was so declared I drive it every day. Not wanting to argue further I just wanted the value increased. She typed all the details on her computer and the highest value their valuers put on my car was $2080 (1100 quid) Im still curious where the $80 comes from by anyways, I say to her you cant buy a rusty unregistered unrestored one for under $5000. She informed me their valuers know more about these things than I do. She then stated mine was unrestored, and I asked how would they know as they have taken my money for 30 years and never once asked for a photo of it or an inspection. She then says if it was restored I wouldn't drive it on the road and only take it to shows. I tried to explain that people drive their restored cars and even tour in them. (Touring in your classic car is even a highlight of their own brochure). She replied why would anyone do that if its been restored? At that point I realised I had drifted into moron world I snatched the papers out of her hand and declared after 33 years it was clearly time for change. So I get home and ring their head office to tell them im cancelling after 33 years and get put on with some young lad who worked in their classic car division and within minutes my car is valued at $25,000 dollars and they increased my kilometre limit to 9000 per year. I haven't experienced that much idiocy since the affirmative action hire for more women employees at the Auto Spares when I asked where abouts the brake pads were and she said she thinks they are in the wheels but needed to ask the manager.

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I used to own Standards, when I rang up my long term insurer, (who had just been taken over), to get new cover on my Standard Vanguard I was asked for my car details:

"What make and is model?"

"Standard Vanguard Phase 2"

"What make is that?"

"Standard"

"But what make is it?"

"It's a Standard Vanguard"

"You have already said it's not modified, what make is it?"

"Standard"

"I need to know the make and model"

"You're new in this department aren't you?"

"Yes, I've just come from house and contents."

"Bye."

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A couple of years ago I tried to do the same and raise the value on the car and was put through to the Classic Car section that time as well and I asked what limitations they put on my car over regular comprehensive insurance and the guy said. "You cant take it to the shops or go to the doctors in it". I mentioned that their own brochure referenced how great it would be to take a wonderful touring holiday in your classic to which I said it would make for difficult touring if I could never take it to the shops to get food and eat and if I got sick on the trip I couldn't stop at a doctors? I said that in jest and he said thats correct you cant do that. I then said thats very limiting, and asked where exactly I could drive this car without stopping at any shops or city centres and he replied "You can drive it around the block". I then said to him in the most sarcastic tone I could muster that only driving it around the block would get a bit samey. He then replied (and I kid you not) he said "you can also drive it over to a friends place and you both could drive around the block''. I hung up! Its taken me 2 years to brave the matter again only to get the next fool mentioned above. I think Im almost there except the papers arrived today and they added a little clause too it never mentioned on the phone. They say I can tour in the car up to 9000kms a year but only use it twice a week. Sort of puts a damper on your touring holiday that after the second day you have to wait five days bunkered down in a hotel till you can get your next two weekly uses in.

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3 hours ago, Rally Pack 2000 said:

A couple of years ago I tried to do the same and raise the value on the car and was put through to the Classic Car section that time as well and I asked what limitations they put on my car over regular comprehensive insurance and the guy said. "You cant take it to the shops or go to the doctors in it". I mentioned that their own brochure referenced how great it would be to take a wonderful touring holiday in your classic to which I said it would make for difficult touring if I could never take it to the shops to get food and eat and if I got sick on the trip I couldn't stop at a doctors? I said that in jest and he said thats correct you cant do that. I then said thats very limiting, and asked where exactly I could drive this car without stopping at any shops or city centres and he replied "You can drive it around the block". I then said to him in the most sarcastic tone I could muster that only driving it around the block would get a bit samey. He then replied (and I kid you not) he said "you can also drive it over to a friends place and you both could drive around the block''. I hung up! Its taken me 2 years to brave the matter again only to get the next fool mentioned above. I think Im almost there except the papers arrived today and they added a little clause too it never mentioned on the phone. They say I can tour in the car up to 9000kms a year but only use it twice a week. Sort of puts a damper on your touring holiday that after the second day you have to wait five days bunkered down in a hotel till you can get your next two weekly uses in.

Good policy for honeymooning though........:-D

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7 hours ago, accord83 said:

Good policy for honeymooning though........:-D

Are you kidding from the moment you say "I do" your pride and joy is perceived as nothing more than a metal mistress and has to be eliminated. You take it on your honeymoon and all you will hear is "we really need a more comfortable car than this", or "We are going to need a bigger car than this if we are going to start a family, something safer", "Air conditioning would be nice". I would keep your OSF in storage for at least a year and pretend it doesnt exist in that time and then spring it on her, "Hey look what I have I just remembered I had this in storage!"

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My missis doesn’t get in my classics and hates them 😂

 I had a lovely bay window camper all restored only got in it once, my mk2 golf GTI 16V she hates and we now need the kitchen doing (you can see where this is going can’t you!)

once the kitchen is done she said we should get a nice newish car?? What’s wrong with my Discovery 2 TD5 that tows the trailer and goes all over the country I ask?

think I’m going to start looking for a late focus RS crash damaged and repair it she must be happy with one of those unless it will be to fast lol 

 

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On 13/02/2019 at 01:28, Rally Pack 2000 said:

Are you kidding from the moment you say "I do" your pride and joy is perceived as nothing more than a metal mistress and has to be eliminated. You take it on your honeymoon and all you will hear is "we really need a more comfortable car than this", or "We are going to need a bigger car than this if we are going to start a family, something safer", "Air conditioning would be nice". I would keep your OSF in storage for at least a year and pretend it doesnt exist in that time and then spring it on her, "Hey look what I have I just remembered I had this in storage!"

Mine drives my RS and loves it. Not so keen on the Alfa because of the ZF dogleg box though. 

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2 minutes ago, Vista said:

Mine drives my RS and loves it. Not so keen on the Alfa because of the ZF dogleg box though. 

How could anyone not like an orange Mk1?

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59 minutes ago, Vista said:

Mine drives my RS and loves it. 

I wouldn’t let my wife drive any of mine, she is a disaster on wheels! She puts radio 4 on and that’s it, suffers with tunnel vision. No idea what the car is doing or telling her, not a bloody clue!!! How she got a license I don’t know. As for parking ...well.....if there was a parking spot in between two cars...the tax would run out before she got the car in🤔 I can only say this cos she don’t know the password on my I pad.....ha ha

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22 minutes ago, colr6 said:

I wouldn’t let my wife drive any of mine, she is a disaster on wheels! She puts radio 4 on and that’s it, suffers with tunnel vision. No idea what the car is doing or telling her, not a bloody clue!!! How she got a license I don’t know. As for parking ...well.....if there was a parking spot in between two cars...the tax would run out before she got the car in🤔 I can only say this cos she don’t know the password on my I pad.....ha ha

Clearly you aren't aware that you don't need to be logged in to view threads on here. If you disappear again, I guess we'll know why! ☠️

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On 12/02/2019 at 13:57, accord83 said:

I used to own Standards, when I rang up my long term insurer, (who had just been taken over), to get new cover on my Standard Vanguard I was asked for my car details:

"What make and is model?"

"Standard Vanguard Phase 2"

"What make is that?"

"Standard"

"But what make is it?"

"It's a Standard Vanguard"

"You have already said it's not modified, what make is it?"

"Standard"

"I need to know the make and model"

"You're new in this department aren't you?"

"Yes, I've just come from house and contents."

"Bye."

But all joking a side, what make was it?

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43 minutes ago, stephens_xpack said:

But all joking a side, what make was it?

 

1045DC9C-838F-4E34-9DC2-A6107F6457EF.png

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1 hour ago, stephens_xpack said:

But all joking a side, what make was it?

Vauxhall, I painted the rocker cover red, so it must have been.......:dope:

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