Have you worked your way through this lot yet?
http://club126uk.co.uk/forum/index.php?topic=9886.msg73269#msg73269As Alastair said, if you're having trouble getting insurance, talk to the brokers.
An insurance company makes money from the premiums it charges. So they only want low-risk drivers paying sky-high premiums. If they think you're too big a risk they'd rather turn away the business.
Brokers are quite different. They WANT you to get insured. They make their money getting commission for every policy they sell. So they don't give a toss about the risk, it's not *their* money that has to pay out for a claim.
So if you're having problems, TALK to the BROKERS. Tell them you can't afford the price. Ask them why it's so high. Ask what you can do to get the price down. There are all sorts of dodges - being a member of a classic car club typically gets 5-10% off. This forum counts as a classic car club (even better if you're a subscribing member). Keeping the car overnight in a gated compound helps. So too does garaging. Behind locked gates is good. Even a residents-only off-road car park is good. Limited mileage. Have your mum as main driver. Avoid contentious professions - you're not a student, or self-employed. You're a consultant.
You don't want commuting cover. You only do 1000 miles a year. The car has not been modified in any way. And so on... Oh, and you want to get as much excess as you can, on top of the mandatory one. After all, you're never going to claim on anything (if you've got any sense) except a total loss.
None of this is unique to baby Fiats, it's just for young drivers every where. Personally I don't worry too much about bending the truth with insurance firms - after all, they lie blatantly to us. Believe me, you've never seen a teflon coated worm till you've seen an insurance company trying to avoid paying out. So for myself now I self-insure, except where there's some legal requirement or fire risk that stops me.
But as far as damage, vandalism, theft etc are concerned, I figure the insurers won't pay out without a costly fight so after paying the premium and the legal costs I'll be no better off - why not just pay the costs of repair myself and avoid all the hassle?
As far as car insurance goes, you MUST have Road Traffic Act cover, but that's all. Anything above that you're just putting money straight to the bottom line of the insurance firm's accounts.
Remember too that this is only for a year. After that, you'll have a year's no claims discount. You move to another company. Any truth bending gets left behind, and after just a few years no-one knows or cares what fibs you told to get started on the ladder...
