MGB GT Insurance for 17yr old new driver?
Discussion
Hi chaps,
My son is interested in getting an MGB GT as his first car when he turns 17 later this year.
Anyone got any experience on what he is likely to expect from an insurance point of view? Will he be able to get insurance? Will it be cheap(er) since it is a 'classic', or will it be around the seemingly normal £2000 mark for any traditional learner cars?
Cheers!
My son is interested in getting an MGB GT as his first car when he turns 17 later this year.
Anyone got any experience on what he is likely to expect from an insurance point of view? Will he be able to get insurance? Will it be cheap(er) since it is a 'classic', or will it be around the seemingly normal £2000 mark for any traditional learner cars?
Cheers!
it will be expensive sadly as most schemes allowing classic cover only start at 21 or or higher, and those that don't have an age limit usually insist on a year or two's experience first.
that said it won't be drastically more than a boring car so still worth doing, provided he wants the car and not the cheap insurance.
that said it won't be drastically more than a boring car so still worth doing, provided he wants the car and not the cheap insurance.
I learnt to drive on my fathers MG TF 1500 (1955) when I was 17 - I was insured as a named driver which doubled the premium to about £200.
I got my MGB GT at 21; it cost £200 to insure fully comp at that age, and two years later it's down to £150.
As far as I know I think you may need to be 21, but check with the owners clubs - being a member brings a 10%ish discount and may help on other fronts.
I'm with Peter Best, the TF was with MG insurance services I think.
I got my MGB GT at 21; it cost £200 to insure fully comp at that age, and two years later it's down to £150.
As far as I know I think you may need to be 21, but check with the owners clubs - being a member brings a 10%ish discount and may help on other fronts.
I'm with Peter Best, the TF was with MG insurance services I think.
the other thing to say Steve is that BGTs aren't cheaper to insure than B roadsters, in fact often they are slightly more. When I was 19 it was cheaper for me to insure an MGC roadster worth 12k than my rubber bumpered BGT worth 1500. There is about sod all between a midget 948 and MGCgt in insurance cost so buy the car he wants.
wildoliver said:
the other thing to say Steve is that BGTs aren't cheaper to insure than B roadsters, in fact often they are slightly more. When I was 19 it was cheaper for me to insure an MGC roadster worth 12k than my rubber bumpered BGT worth 1500. There is about sod all between a midget 948 and MGCgt in insurance cost so buy the car he wants.
Thanks again. I guess we'll have a good look round and buy the one with the best bodywork!!That's the secret with Bs, everything else is cheap to repair/replace but bodywork being good is the most important thing to make sure it is rot free, don't get fobbed off with "it's good condition for year" there are good cars out there, as a guide I've just sold a super solid BGT with zero structural rot, a few marks on the bodywork as it was mainly factory paint, a few touched up patches, but a very presentable looking shiny pretty car, totally reliable we went to London and all over in it, leather interior, generally a goodun. That was a 78 in brooklands green and I sold it for 2k.
I was insured by lancaster who went through the MGOC when I was 17, this was 5 years ago but was for a Midget not a B. Premium was just under £900 and dropped to £600 the second year. I was insured at 17 as the main driver and only had a provisional license at the time, so my dad has to be a named driver on the policy.
Just to make you all sick when I was 17 I learnt in my Midget, cost me £1000 as a provisional driver. As soon as I passed I cancelled the policy (pay monthly) and went with Peart. 17 yr old driver, Midget, no no claims or experience...............£350 
I think I pay about £150 these days, and probably another £100 on top for all the policy changes I make through a year
I think I pay about £150 these days, and probably another £100 on top for all the policy changes I make through a year
Recommend Peter James Insurance.
http://www.peterjamesinsurance.co.uk/
I'm 19, have a BGT very highly modified(full out race spec).... They were the only people who wanted to know...
Cost £1000 fully comp first year, car is valued at £12,000
http://www.peterjamesinsurance.co.uk/
I'm 19, have a BGT very highly modified(full out race spec).... They were the only people who wanted to know...
Cost £1000 fully comp first year, car is valued at £12,000
i was wondering the same
im 18 and am on my second car
i would love a rubber bumper mgb gt
have 3k to spend on one
could i get a good restored one for that price?
could i use it as my daily driver, 30 miles a day ish?
is insurance cheap?
ive always wanted a classic car and this has been the top of my wish list for ages now ( the g.f even loves the idea too :P )
cheers =]
im 18 and am on my second car
i would love a rubber bumper mgb gt
have 3k to spend on one
could i get a good restored one for that price?
could i use it as my daily driver, 30 miles a day ish?
is insurance cheap?
ive always wanted a classic car and this has been the top of my wish list for ages now ( the g.f even loves the idea too :P )
cheers =]
3k will get you a nice RB Gt, infact Emmas will be up for sale soon as I've just bought her a '66 GT to replace it.
She got her GT when she was from memory 19, her insurance has steadily headed down from circa £600 down to at present circa £400, next year it should take a big drop as she gets 3 years experience and can go on a lancaster classic policy.
The way to view a BGT is it's a very nice car to drive, bags more style and character than a usual 1st car eg. Saxo, but it isn't a cheap insurance option any more (was when I started driving) and you will probably pay about the same to insure a BGT as you will a mid range 1st car.
She got her GT when she was from memory 19, her insurance has steadily headed down from circa £600 down to at present circa £400, next year it should take a big drop as she gets 3 years experience and can go on a lancaster classic policy.
The way to view a BGT is it's a very nice car to drive, bags more style and character than a usual 1st car eg. Saxo, but it isn't a cheap insurance option any more (was when I started driving) and you will probably pay about the same to insure a BGT as you will a mid range 1st car.
The more you drive a B, the better it will go and the more likely it is to start in the morning! I used my first B pretty much year round apart from when the snow was really bad and did 70 miles a day across a combination of dual carriageway and A and B roads. It also sat happily on the motorway at 80mph. My dad had a B that did 70 miles every day on good fun A roads, but only in the summer and also used to take his car up and down the entire length of the UK.
They do rust, almost before your eyes, even if waxoyled. Rust repairs get expensive once the sills and inner wings are affected, so catch it before it goes badly wrong.
Ideally your car will be garaged (which will also help with insurance!). Realistically, you'll have it covered - even a cheap car cover from halfords is only about £40 and can live in the boot / porch. Equally ideally, you'll keep it off the road when the roads have been salted and use a banger instead.
If you're buying a rubber bumper car, buy as late as possible as they have a stiffer anti-roll bar. The handling on the earlier ones is absolutely dreadful. Personally, I'd buy a chrome bumper car from about 73/74 - the tax free ones attract a stupid premium for what is £200 a year in tax and still offer a combination of good looks and a far better drive than a rubber bumper. Or get a rubber bumper car that's had the suspension fettled - my old B had fast road parabolic rear springs, koni dampers on the rear and lower and stiffer front springs, thicker anti roll bar (7/8") and uprated shocks on the front and I could keep up with my mate's elise through the bends in the dry. My current B (1979) has bog standard suspension and it's a pig and a liability in the damp.
Can't help you on the insurance, but feel free to ph me with any other queries.
They do rust, almost before your eyes, even if waxoyled. Rust repairs get expensive once the sills and inner wings are affected, so catch it before it goes badly wrong.
Ideally your car will be garaged (which will also help with insurance!). Realistically, you'll have it covered - even a cheap car cover from halfords is only about £40 and can live in the boot / porch. Equally ideally, you'll keep it off the road when the roads have been salted and use a banger instead.
If you're buying a rubber bumper car, buy as late as possible as they have a stiffer anti-roll bar. The handling on the earlier ones is absolutely dreadful. Personally, I'd buy a chrome bumper car from about 73/74 - the tax free ones attract a stupid premium for what is £200 a year in tax and still offer a combination of good looks and a far better drive than a rubber bumper. Or get a rubber bumper car that's had the suspension fettled - my old B had fast road parabolic rear springs, koni dampers on the rear and lower and stiffer front springs, thicker anti roll bar (7/8") and uprated shocks on the front and I could keep up with my mate's elise through the bends in the dry. My current B (1979) has bog standard suspension and it's a pig and a liability in the damp.
Can't help you on the insurance, but feel free to ph me with any other queries.
I know this is an old thread but i'd like to add a comment. I tried to add my son as a named driver on my MGB policy. It cost £83 a year for me, but adding my son (21) added over £2000 to the cost. Now the funny thing is, my son drives a brand new Fiesta ST 2 21 plate and it only costs him £680 to insure that.
MGB 0-60 14ish seconds, top speed 98ish. Fiesta ST 2 0-60 6.1 seconds, top speed 146. The ST is one of the most stollen cars. Now why on earth do they want over 2k to insure the MGB?
MGB 0-60 14ish seconds, top speed 98ish. Fiesta ST 2 0-60 6.1 seconds, top speed 146. The ST is one of the most stollen cars. Now why on earth do they want over 2k to insure the MGB?
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