Hypothetical insurance question
 

Firstly does it cost roughly the same to insure a like for like ZT and 75? For the sake of argument both diesel .

Now the hypothetical bit.

If you were to turn a 75 into a ZT, would you end up with a car that would be difficult to insure due to the number of mods necessary.

But still end up with a standard ZT

Nope, my ZT is £100 ish more expensive than my 75 of the same year.

My 02 75 is around £90 cheaper per year than my 03 75

I’m sure they just make it all up as they go along!


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My Mk1 ZT-T 190 is £62.00 cheaper a year than my Mk1 75 CDTI tourer, both with the same insurance company (Hastings direct)! :duh:

Sounds like it lol

same for me i had a zt then got a 75 and it was 75.00p cheaper both cars diesel and same year was told zt is in a higher insurance bracket

Also I think you can get classic insurance for a ZT but not a 75 of the same vintage?

Absolutely nonsense talked on this forum sometimes.

Right as someone who has done just about all that was asked I will give you a straight answer.

Bought a silver 75 diesel back in 2014 ish.

https://www.instagram.com/p/B8vr9VIF...=1jvka0jgmirqk

Brought it home as none runner, got it running. Then proceeded to do everything to it from my scraped 190 zt at the time.

Car ended up as a diesel zt, inside and under the skin with everything bar steering rack changed, including a set of black then silver hairpins. Only thing it lacked was the boot spoiler in mbb.

To insure the car standard against when it was converted to being a 75 cost me nearly £120 more than a standard 75.

However I also had a zt xpg diesel at same time, and it standard was going to work out the same as the 75 diesel standard, but again that was with green light insurance and at the time about 14 years ncb. I ended up selling it as I got a nice auto 75 blue saloon instead.

Again, as regards classic insurance, I've had dozens of my fleet on my classic policies since 2011.

Only last year did they limit me to cars must be 20 years or older, however they where happy to accept cars I'd already got on my policy (such as my LHD diesel auto 2003 or at the time my 2006 registered 1.8t).

My main 75 policy is a bit higher than needs to be as I've flux flex on mine giving me full comp coverage to drive any car or 4x4 or 3.5 ton van max for private purposes instantly as long as it already is taxed, mot and insured. Thats is £360 a year with mods declared Adrian Flux again.

So currently I have on my classic policy costing me £313 a year for 5000 miles between the cars with over 20 years ncb working as a ambulance responce driver part time and factory worker full time.

1998 216 convertible
2003 75 lhd diesel auto
2001 75 diesel tourer manual
2002 75 v6 2.0 tourer
2002 75 v6 2.0 manual
2002 MG zt 190
2002 MG ztt 190
2001 mg ztt 190

Only one I've not got on it is my 2003 1.8 which is on my main policy as of June this year as I move my 2001 white 75 saloon to Classic policy and then it's my daily for now.

And my track day / fia event cover for my 190 zt saloon is £75 a year with flux also for 3 fia sanctioned events or 6 private events. Hopefully actually get to use it this year without restrictions!

Insurance prices
 

I have to agree that they make it up when I told my last insurer my car was remapped had a tow bar and had a stainless steel exhaust along with its android headset they tried to increase the premium by £200 I pointed out that this was more than 125% increase on our other Car both Rover 75s one tourer one saloon both diesel both automatic.

we moved broker to one who was much more laid back we got both cars insured for the same amount regardless of upgrades and the silly thing was it was the same underwriter we even saved money on the £184 we used to pay.

Years ago I had a classic car enthusiast as a broker and the deals she managed to get me were fantastic I never paid over £200 for a car regardless of annual mileage. The only exception was the year I had the V8 that I used mainly over in Germany whilst working away. I fully expected to pay more for it. It was a Dreadnought Garage in Callander Car and came with the supercharger, a beast my mileage that year was for 60,000 on the beast with 75% of it being done in Germany that years policy was a little over £480 but worth every penny, what a car for autobahn driving.
You need to hunt around these days as being faithful to one company is rewarded by being taken for a ride. All very sad and not the way things should be done.
Alan

I change insurance companies every year, I know for a fact that you will get it cheap for the first year, then they will have set up an auto-renew. The idea is, they were the cheapest last year so they probably will be this year. Your premium will go up a lot as your first year is a sweetener.
50% of people will probably just let it auto-renew.

Quite a few times I have gone through a comparison site and insured again with the same company, but its 100's cheaper because you are classed as a new customer again.