Temp car insurance age 1977
Almost two years since the launch of Footman James’ new insurance proposition for young enthusiasts, it has enabled many young classic owners to get out and about on the open road.
The innovative scheme means that young drivers who may have previously struggled to obtain insurance for their pride and joy are now able to do so, subject to a range of qualifying criteria.
One such young enthusiast is 21 year old Matt Tomkins from Buckinghamshire.
Matt explained : “When I was 16 I bought my first Morris Minor; I was bitten by the bug and five years on I have a collection of three. I am an active member and moderator of The Morris Minor Young Members register, which – alongside the Morris Minor Owners Club (MMOC) – offers a great community of friends and enthusiasts which has allowed my passion to blossom. I have just finished restoring my 1969 Morris Minor Traveller and won the Practical Classics Restorer of the Year award. I also own a 1970 Morris Minor 2-door saloon which I drive most days and a 1960 Minor Convertible which has made use of the Footman James European travel Insurance on two occasions to take part in the Minors On Tour trip organised by the MMOC.”
He continued : “Footman James’ commitment to the future of the classic car movement with its young drivers’ scheme and in particular The MMOC Young Members scheme is one that I am keen to support. The competitive price of the policy is an obvious attraction coupled by the quality of the service provided by all its staff as well as the peace of mind of knowing that my car is fully insured with a company that understands the vehicle and its value; all key reasons why I chose to insure with FJ!”
David Bond, Footman James’ Director said : “We are delighted to be able to offer genuine young enthusiasts like Matt affordable insurance that will enable them to get out and about in their classics. Since launching the scheme it has met with widespread approval within the industry and we look forward to extending our insurance offer to even more young enthusiasts who meet the qualifying criteria.”
Matt concluded : “In my first year of driving, while insured with FJ, I had an accident. At the side of the road and in tears, I called Footman James to ask advice on what I needed to do. The operator on the end of the phone was superb. She calmed me down, told me what details I needed to take and advised me on recovery. The police wanted to recover the vehicle to their compound, however the operator advised that if I paid the recovery fee by cheque, the amount would be reimbursed by them, which it was and within a week. I was completely satisfied with the service of the whole team throughout and would recommend FJ to anyone.”
Young enthusiast qualifying criteria for 18-24 year olds include :
• The car must be over 20 years of age;
• The owner must limit their mileage to either 3000 or 5000 miles per year depending on the age of the vehicle;
• Young drivers need to have held a licence for a minimum of 12 months;
• Maximum ABI group 20.
Footman James also has an exclusive arrangement with the Morris Minor Owners Club where members can obtain cover from aged 17 for Morris Minors – even with a provisional licence.
- Minimum balance £10
- Annual cash ISA limit is £20,000 (2017/18 tax year)
- No notice period or penalties for withdrawals
- Transfers from other cash ISAs accepted
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Your eligible deposits with Scottish Widows Bank plc are protected up to a total of £75,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. For more information please click on the following link: http://www.scottishwidows.co.uk/bank/savings/compensation_scheme.html
Scottish Widows Bank and Fair Investment Ltd have teamed up to offer you a range of exciting savings accounts including the E-Cash ISA.
By choosing to open an account through the Fair Investment Ltd website, Scottish Widows Bank will consider Fair Investment Ltd your introducer. Fair Investment Ltd will receive 0.1% commission annually based on the average balance of your account. This will be paid quarterly in January, April, July and October. This is paid automatically by Scottish Widows Bank and does not affect your account in any way.
AER — Stands for the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. (As every advertisement for a savings product which quotes an interest rate will contain an AER, you will be able to compare more easily what return you can expect from your savings over time).
The AER advertised is based on interest paid gross and capitalised to the account once a year - please note that other interest payment periods are available and the actual interest rate on your account will be lower if you have interest applied more frequently, but when compounded will equal the AER.
Interest on all accounts is now paid growss. Gross rate means that tax is not deducted automatically from your account. You are responsible for paying any tax due to HMRC.
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