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Post by Alanović on Jan 10, 2020 13:23:01 GMT
When I first went to Moscow in the 80s, I wondered why every car seemed to have two scratches in the shape of arcs across the windscreen. Then when it started raining the first time I found out. Everyone stopped, got out, retrieved the wiper blades from the boot, and attached them to the arms. Well I say everyone, sometimes they would evidently forget and just switch the wipers on...
Shortages of just about everything meant wiper blades were prime targets to be nicked off your car whilst parked.
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Post by tyrednexited on Jan 10, 2020 13:31:41 GMT
We wont mention the Ford with the vacuum operated wipers....... ...I am old enough to recall those being worked by string via the driver and passenger's windows...
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WDB
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Post by WDB on Jan 10, 2020 16:49:01 GMT
Couldn’t you have asked the man with the red flag to do it?
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Post by EspadaIII on Apr 7, 2020 17:06:09 GMT
Although Espadrille's car and mine are insured personally, the Punto, Captur and Sirion are insured on a company fleet policy. This enables the boys to drive those cars.
Unfortunately Son #1 had two accidents on 2018 and Son #2 in August last year. The fleet policy is up for renewal in early May and the policy will now restrict them from commuting to university. Due to changes in the company there is only one other car on the policy (a 2012 Hyundai i10) which is a company car for one member of staff. So the broker suggested a person multi-car policy but despite looking at all options (including adding the Merc and Mini to the policy, trackers, high excesses etc etc) no company would cover them. The total cost of the claims for the boys was only about £7,000.
So we return to the fleet policy and will have to work around the university issue when term starts again (hopefully) in October. Time for some difficult words with Son #1 especially when I get home. If the premium is too high they may not be able to drive at all...which is a shame as during this difficult time, their ability to drive has been hugely beneficial.
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Post by dixinormus on Apr 7, 2020 22:46:58 GMT
Ugh! Maybe take one of the vehicles out of the company fleet and register/insure it TPFT in a child’s name? Might work out cheaper?
Also a way for the son to start building up their own insurance history/NCD?
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Avant
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Post by Avant on Apr 7, 2020 22:53:15 GMT
I wonder how much they need a car at university. When I was there over 50 years ago we weren't allowed them - just as well, as the traffic in Cambridge was horrific anyway. If they're at campus universities, they shouldn't need more than a bike.
Or when you say 'commuting' is this from home? If so, you could tell them how much they're missing by not living in. I often used to interview graduates who'd commuted from home, and most regretted not living in for at least part of their time at unversity.
Edit - taking up Dixinormus's point, if they really need a car, he's right. I believe that having you and/or Espadrille as a named driver on the policy can bring the premium down a bit.
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Deleted
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Post by Deleted on Apr 7, 2020 23:08:29 GMT
The Punto has got to be worth about the same as a six week old Citroën, farque hall. Got to be TPFT insure it in one of juniors names with mum and dad as named drivers.
I thought I was being bent over on my Focus at 1,150€, talking to a colleague in America he pays $2,500/6 months for the same car. Ouch !
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Post by tyrednexited on Apr 8, 2020 7:36:59 GMT
Got to be TPFT insure it in one of juniors names with mum and dad as named drivers. I think times have changed since you and I were a lad (though admittedly, for me it was when Pontius was a pilot and the Dead Sea was still poorly). TPFT is largely frowned on by the insurance companies, largely because it sends a message about both the driver and the potential care to be taken of the vehicle. Many won't quote, and if they do, the premium may well be above that quoted for comprehensive cover - i.e. in the "we don't want that business" area.
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Deleted
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Post by Deleted on Apr 8, 2020 7:47:31 GMT
That's market variation for you.
Our runabout Volvo passed its 9th year since registration at the end of Jan. When renewal came up at New Year third party was the default offer, I had to ask for a comprehensive quote.
Paying comprehensive on something like a Punto, where you know even the most minor thing will economically write it off, appears a bit daft. You then end up self insuring and paying for any repairs yourself so what's the point in paying for the premium policy ?
Don't answer that, you've already covered the economics of the situation.
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Post by EspadaIII on Apr 8, 2020 8:47:46 GMT
We've tried everything. Even taking one car off the fleet and TPFT but no dice.
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WDB
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Post by WDB on Apr 8, 2020 10:07:30 GMT
Does TPFT still cost less? I’ve only anecdotal evidence of this — even when my Volvo was 12 years old I kept it on our comprehensive multi-vehicle plan — but it seems credible. One question you have to answer on the proposal is the value of the vehicle. That sets a ceiling on the insurer’s liability for the car itself — which is, in any case, a small fraction of the potential liability to third parties.
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Deleted
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Post by Deleted on Apr 9, 2020 13:02:53 GMT
For me ? Yes, TP is about 250€ cheaper over the course of the year, that's slightly more than the annual RFL.
I've just taken a look at the German equivalent of Autotrader, similar car, similar age, private seller, they want 9,250€. Similar car on Autotrader £6,950 they appear to be holding on quite well compared to the older P2 cars.
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WDB
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Post by WDB on Apr 9, 2020 13:55:06 GMT
Diesel standards, I suppose. My D5 was Euro3, and I think Euro4 came along in 2005 or so. Nobody wants either these days, so I’m guessing the new model is Euro5 and still allowed into ULEZes.
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Deleted
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Post by Deleted on Apr 9, 2020 14:03:19 GMT
When I sold my Euro3 D5 in 2013 I got £2,000 for a 9 year old car, 96,000 miles, full service history. Selling my current 9 year old Euro5 D3 83,000 miles, full service history, I'd expect something over £4,500 that's quite a jump in 7 years I think.
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Post by EspadaIII on Nov 12, 2020 20:47:17 GMT
Jeez...
Son #1 at University at Birmingham so took the Punto for a service and MoT. £532!
MoT was £60 - £45 at my local garage Service was about £260 - including oil, and two filters. - Proably £140 at my garage Two new rear shocks and new headlight bulb £200..
Then said the car had corroded break pipes and coil springs (MoT advisories). Last year my garage said the car was in pretty good condition for its age.
Reckon they saw him coming...
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