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Jun 14th, 2026
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Joined: Dec 2017
Posts: 2,221 Likes: 181
Talk Morgan Expert
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Talk Morgan Expert
Joined: Dec 2017
Posts: 2,221 Likes: 181 |
You're complaining about £400 a year for insurance? Lucky you're in the UK and not the USA. Our two daily drivers are a bit over $1,000 a year together and the Morgan is $500 for limited use as an antique. And, we get a "good driver" and multi-car discount on the daily drivers...
Yes but the cost of living in the USA is cheaper generally, what is the cost of an average detached house where you live ? Where I live an average 3 bedroom wood frame detached house is $800 - 850k, but in Nebraska for example a similar house would be $300 - 350k.
Bruce
1964 4/4 Series V Comp (Megan)
1994 +8 (Maurice) tis no more
2013 M3W (Olga)
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Joined: Jul 2022
Posts: 460 Likes: 80
Learner Plates Off!
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Learner Plates Off!
Joined: Jul 2022
Posts: 460 Likes: 80 |
Yes but the cost of living in the USA is cheaper generally, what is the cost of an average detached house where you live ?
The town we live in has neighborhoods on the ocean, and there are houses in the $10-$20M range in those places, but a bit further inland, where we live, the average is $500-$600K. We used to live in Baltimore inside the city limits and our insurance was $3K/year. Houses there are in the $250-$300K range...
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Joined: Aug 2019
Posts: 960 Likes: 21
Talk Morgan Regular
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Talk Morgan Regular
Joined: Aug 2019
Posts: 960 Likes: 21 |
Perhaps there’s more accidents and insurance claims in other countries pushing up premiums? Or their insurance market is not as competitive as here in the UK. IMHO regarding the high price of the M3W insurance, the cause is that there are no more than a dozen here in the Spain. Very rare and they're not in the data base of the big insurance companies. Therefore, you need to pass through different smaller ones, and they abuse.
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Joined: May 2014
Posts: 5,440 Likes: 131
Black Rat Charter Member
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Black Rat Charter Member
Joined: May 2014
Posts: 5,440 Likes: 131 |
Yes but the cost of living in the USA is cheaper generally, what is the cost of an average detached house where you live ?
The town we live in has neighborhoods on the ocean, and there are houses in the $10-$20M range in those places, but a bit further inland, where we live, the average is $500-$600K. We used to live in Baltimore inside the city limits and our insurance was $3K/year. Houses there are in the $250-$300K range... OK not so different then.
Keith
2013 narrow bodied + 4 Ruby.
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Joined: Aug 2019
Posts: 792 Likes: 143
Talk Morgan Regular
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Talk Morgan Regular
Joined: Aug 2019
Posts: 792 Likes: 143 |
Gott and Wynn for insurance. Last years premium was less than the previous year.
Wish we had USA petrol prices in UK 🤠
Chris
2015 Plus 4 Silverlake Blue
(2014 3.7 Roadster Crystal Blue)
(2012 4/4 Sport Black)
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Joined: Mar 2018
Posts: 108 Likes: 24
L - Learner Plates On
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L - Learner Plates On
Joined: Mar 2018
Posts: 108 Likes: 24 |
Finch insurance, ultimate policy with Markerstudy, £671 for Plus 6, wife and I, I’m early 50’s, wife late 40’s. We had to send proof that we had driven powerful cars before. Had to send our policy with proof of no claims for RS4, and quickly join Morgan club and give membership number otherwise they were £1200 per year, Milage is unlimited.
Due to nature of our Agricultural haulage and contracting business, we insure large tractors, artic and ridged tipper lorries, Isuzu pickup, Amorok, Discovery commercial, RS4, and various transit vans. We insure all this with NFU. Here’s the interesting bit, all the above can be driven, if the driver has relevant license by any driver, male or female at the age of 18 or over with my permission for work and SDP.
When my kids were 17, learning to drive, the excess went up to £1000. Now it’s back to £400. My daughter is our youngest and she can drive a 300hp Discovery commercial at 18. It’s a quirky farming thing, and they have all been driving in fields as soon as they could reach the peddles, but NFU, along with many others wouldn’t insure the Plus 6 for any of us !!
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Joined: Aug 2013
Posts: 15,794 Likes: 15
Formerly known as Aldermog Member of the Inner Circle
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Formerly known as Aldermog Member of the Inner Circle
Joined: Aug 2013
Posts: 15,794 Likes: 15 |
NFU wouldn't insure the Plus 8 either.
Nor will LV, but they are both happy with the Boxster S.
So, the Morgan is with Gott and Wynn... again.
Peter,
66, 2016 Porsche Boxster S
No longer driving Tarka, the 2014 Plus 8...
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Joined: Nov 2015
Posts: 8,672 Likes: 489
Just barreling along Needs to Get Out More!
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Just barreling along Needs to Get Out More!
Joined: Nov 2015
Posts: 8,672 Likes: 489 |
SHMBO and myself will be having a little jog past Gott & Wynne's office next week, after doing the Great Orme 10k...I'll pop in and pass on TM's best wishes for the great service they provide 
Jon M
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Joined: Dec 2009
Posts: 37,416 Likes: 977
Tricky Dicky Member of the Inner Circle
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Tricky Dicky Member of the Inner Circle
Joined: Dec 2009
Posts: 37,416 Likes: 977 |
Headley/Finch sorted me out last July on my 1999 Plus 8 for £300.00 including legal protection, Morgan Rescue and home start - 2 drivers (me a septuagenarian) and 5,000mls. I've been with Headley for 19 years and they are good in a crisis, when I had my Sport written off for me, it was a good experience for an insurance company so I'll stay put as I treat as I find  The policy is with ERS instead of Hiscox this time. I wouldn't want to cover 30 - 40k risk for that money is the only question I need to ask myself, peace of mind is my ruling factor not price.
2009 4/4 Sport Henrietta
1999 Indigo Blue +8
2009 4/4 Sport Green prev
1993 Con Green +8 prev
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Joined: Mar 2017
Posts: 2,274 Likes: 41
Talk Morgan Expert
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Talk Morgan Expert
Joined: Mar 2017
Posts: 2,274 Likes: 41 |
I’ve been with Gott & Wynne six years now with my 4/4 (since ownership) Premium last March was £266 including legal expenses and breakdown cover. Just hoping the costs will be similar at renewal next month.
Craig Jezz
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