Running a Cougar as a third car (in a house of two)

Dabooka

Dabooka

Club Member
Apr 30, 2014
1,098
687
North East
So after lurking on the boards for in excess of three years or so, the opportunity to get my grubby mits on the father in laws Cougar has arrived!

Except insurance is a problem. The Cougar would be a third car with limited use, just as I know many of you on here run yours. So can anyone point me into how best to insure the damn thing?! I was advised to give Footman James a go, and after calling them just now came back with a quote of £1,400. Yes, that isn't a typo. £1,400.

That's never going to happen. I'm appreciative of the makings of insurance quotes, and the stumbling block appears to be because they wouldn't mirror my NCB from my daily, and don't consider it old enough yet for a classic policy.

Can any of you offer ideas or companies more favourable to these kind of situations, surely it's fairly common place?

That is in advance,

Dabooka (aka Sam)

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I was with swift who mirrored my no claims when i got the cougar then after a year shopped around as i had full no claims. Most companies i have tried wont do classic insurance on them until 20 years old although my mgtf qualifies and its on 13. Hope you sort it and welcome to the mad house.
 
poose said:
I was with swift who mirrored my no claims when i got the cougar then after a year shopped around as i had full no claims. Most companies i have tried wont do classic insurance on them until 20 years old although my mgtf qualifies and its on 13. Hope you sort it and welcome to the mad house.
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I haven't actually checked with my normal insurer yet (Hastings), purely as I'd been led to believe FJ was the way forward. Fourteen hundred quid man! [emoji3]

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Late last year I had a quote from Adrian flux for £350, that was for a fresh policy with no ncb as my no claims bonus were tied up in my other car.

In the end we decided the cougar wasn't going to be our 'summer car' after all, as it was too nice not to use as a daily driver, so the other car was sold off and the insurance was transferred over (y)
But we did get bent over by AA insurance for switching, even though the other car did 0-60 in 6.5 seconds and would have cost 35k new (n)

Just renewed with admiral for £300 this year.
 
Dabooka said:
I haven't actually checked with my normal insurer yet (Hastings), purely as I'd been led to believe FJ was the way forward. Fourteen hundred quid man! [emoji3]

Sent from my Swift 2 Plus using Tapatalk
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Might be worth a try and change after 12 months as i was able take full no claims for both my cars to different insurers. Try some of specialist brokers on this site they may be able to help. I use mine as my daily driver unless its sunny and then its the mg.
 
Great replies chaps, and glad to see there's more options to try out. I'll get the phone Monday and see what Hastings can do.

I'm not sure the missus is going to feel the same way mind....

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Have a look on their website for a quote, they ask if you have a car already insured with them and offer a multicar quote which mirrors your NCB

You can check it all out without the missus knowing
 
Right, well a quick run through the quote system on Hastings has returned a much more favourable figure of about £350, which is about what my original guesstimate was.

So assuming when I call tomorrow or Tuesday it remains so (without screwing the cover on my main motor) that looks like the insurance is settled.

Now just the small matters of getting it through its MOT, storage of the car, establishing a use case to convince the wife and arranging the transfer. Once that list is done it might, just might, be back on.

Watch this space.....

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Dabooka said:
You and me both.

Answers on a postcard please kids! [emoji1]
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I'm not being funny, but Tracey has no say in what I do with my discretionary income. If I wanted to buy a Cougar but couldn't afford cigarettes, that's totally on me.

Why is everyone so frightened of their wives? What are they going to do?
 
Cor blimey, I'm taking the piss.

Honestly my missus is cool with this whole thing as long as it doesn't cost the earth. After all, in my instance I'm taking on her father's motor of the last 15 years or so (although to be fair that in itself means little to either of them).

No, as long as the entire venture isn't nuts she's happy. I personally have a limit including for example paying £1400 for insurance, but my plans are full and firm until I choose otherwise.

Or my mum says no.

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Mako said:
I wasn't being entirely serious either mate. As anyone here will tell you, Tracey is the one that goes insane with car costs and certainly doesn't care what I do.

I wish you the best of luck and hope that you get into Cougar ownership. Like, getting covered in rust flakes and such.
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I kinda hoped that was the case [emoji1]

I recall reading the thread about the strip down and repaint of the Rover, real lovely job

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Edited to add that the storage issue looks resolved, so if I get a chance to call the insurance tomorrow that just leaves the MOT. If I figure out how to post pics I'll upload the few I took at the weekend
 
Dabooka said:
I kinda hoped that was the case [emoji1]

I recall reading the thread about the strip down and repaint of the Rover, real lovely job
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Thank you! To be honest if anyone should be terrified of their spouse, it's me. Tracey's nickname might be "Little Mouse" in Russian but she's a country mile away from being sane.


Dabooka said:
Edited to add that the storage issue looks resolved, so if I get a chance to call the insurance tomorrow that just leaves the MOT. If I figure out how to post pics I'll upload the few I took at the weekend
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Fantastic!

As for adding pics, consider using Imgur as your host. It's very straightforward but if you want a tutorial, please let me know.
 
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