Set up a subsidiary company that provides limo services to the TDC and the AutoAlex multiverse, then get that company insured to operate its Limo for approved drivers.
Mark McCann has a video about trying to setup your own insurance company, TL;DR: you need to have very deep pockets: th-cam.com/video/Gz1G3WecMdU/w-d-xo.html
In Spain if no company offers you insurance you can go to a public institution, Consorcio de Compensación de Seguros, and ask for insurance and they WILL insure your vehicle. You need to demonstrate that at least two or three insurance companies have refused to insure your vehicle. The UK needs something similar, otherwise they're basically contributing to having drivers with no insurance on the roads.
The thing is if we had a public institution like that theyd say “we cannot help you because there are companies willing to insure you for (insert stupidly high price)” making it redundant
theres a difference between no company offering you insurance, and companies offering you insurance for silly amounts which basically say go away. Where does Spain draw the line >
There is the same system in France, but while it will force an insurer to give a price, you can be pretty sure the price will be unreasonable. For example, there is no way they'd get under 1K with the limo under that system.
That is not the issue here. The issue is that insurance companies are qouting a large premium, far exceeding the value of the car and not worth it if they will do less than 2k miles per year.
In the UK, we need a public enquiry into why insurance is the way it is. I've been driving for almost 10 years and it's a JOKE each and every time, no matter what car I have.
I think the insurers have discovered that if providers of a compulsory service conspire with one another, they can make as much money as they want. This is especially true if said industry is dedicated to mostly providing literally NOTHING in exchange for your money.
@@C.I... It's a scary thought really. Most of us are working class and we NEED our vehicles for work and family etc, but we throw huge chunks of our wages away for no reason.
An inquiry? Notorious for meaning less than nothing in the UK. Done by MP's lobbied by those same insurance companies? Yea, I'm sure they'll get right on that.
Adrian Flux once quoted me £4500 and said I could get it cheaper if I call up, so jumped through all the hoops again over the phone, £6000. They then asked who gave me the first quote, it went rather quiet when I told them they did. Went with NFU in the end, £900, everything declared, fully comp. Insurance in the UK is a complete joke.
Definitely the prices my friend and I pay is crazy my gf pays 4 grand a year on a 1.9 Ibiza 6L I pay 2.2k on a a4 b7 2.0tdi my friend pays 3k on a 0.9 Renault Clio another friend pays 5k on a 1.6 mx5 it’s mental
for real i follow some quad page on faacebook and all i read when it are people from UK they ask if they know any assurance who can assure there quad... seems like like most assurance dont wanna insure a quad... or give them horrible prices... what is crazy... feels like this limo, and other youtuber wanted ot insure a london TAXI and they got charged ALOT wtf is up with uk assurance
UK insurance: Q plate motorised sofa built in a shed by a guy named Stanley, yeah we'll insure that! Mass produced American limousine: nah wouldn't touch that mate
Its because the car isnt registered properly, this is why nobody will take it. Video idea.... what do you need to do to register an American import? Get that sorted andvim sure you will get more quotes
I’m a HGV mechanic and we see a few privately owned HGVs (horseboxes, and people taking traction engines etc to shows) may be worth contacting some of those as the underwriters will be used to insuring commercial vehicles for private use
It really isn't. I used to think it was a random number generator too, then (as might be obvious from my replies elsewhere here) I got a back office job with one and it is quite eyeopening. Often margins are very tight and when another insurer drops their price (and they will) you are forced to follow suit or you will lose customers. Its a constant battle of costs vs risk vs income
@@W92Bajyet they are posting record profits every year. The model they use is all wrong imo, we need public insurance since you have to have it by law, and capped insurance with car price not driver price like some eu countries.
@@W92Baj Someone crashed into my little brothers car and got a scratch on their own vehicle. 5 grand was paid by my brothers insurer to fix it. Many palms getting greased....
@@W92BajSo you think the margins on a 32,000 per year policy on a 20 year old 3l BMW are tight? You could buy 10 of those cars for that insurance price.
I filled in the DVLA paperwork for my JDM import correctly but the licence plate check still doesn't work, seems to be a bit of a lucky dip. For that reason, this soul destroying insurance ringaround is a pain I know too well as when I try price comparison websites, it just says "call us"...... I just don't get why it has to be so hard, UK insurance companies make far too big a deal of cars being imports.
Car insurance in the UK is weird. A few years back, my partner put business logos on his car (nothing fancy - just a Toyota Aygo), and the amount of hassle we had getting insurance on that was insane. Similarly, I had planned to get the windows tinted on my car (just the rear screen and rear doors). I decided to play it safe and wait until my insurance was due for renewal and then claim it as part of the renewal. I was with Admiral at the time and they said they couldn't insure it if I had the window tints added as they didn't cover 'any form of modification to manufacturers spec' (I kid you not). Changed to a different company for the renewal (thankfully a similar price) and there was no issue with them.
Insurance is a con in the UK. I was insured by Adrian flux for £980 for the year. When I came to renewal in December. They wanted £3451, because thier policy doesn't cover 7 seaters anymore. The only insurer that would do is aviva. Yet went direct and got it for £610.
There’s something wrong with the registration. Check the simple stuff first - does the actual reg plate and VIN match the V5 etc. My old company had real trouble insuring a motorbike, only to notice that the V5 said it was a diesel… The other thing I’d check is that it should be classified as a Lincoln Town car, and there’s not a separate model classification (like how a 3 series is different to a 3 series touring). I suspect that will involve many frustrating conversations with the DVLA, but that would be my next port of call. It might be though that some vehicles just aren’t on the underwriters’ database for domestic vehicles - you’d probably have trouble doing the same thing with a combine harvester. If that’s the case, you’re going to have to stump up for business insurance - and then hire it out at weekends until you’ve paid the £20k? off. Better get looking for a monkey suit and a chauffeur’s hat guys
Insurance in the UK has been a joke for well over a decade now. It's because all insurance companies in the UK are ultimately owned by about 4 conglomerates, who also buyout any new startups. This allows them to treat the insurance market as a racket and charge customers whatever they want, who have no choice if they want to drive their cars. The UK monopolies commission *definitely* needs to look into insurance.
Delimoing a Limo would be quite a funny video series to be honest. You could then turn the middle part into the worlds shittest outdoor podcast setup as well.
My first insurance was £700 in 1998. When I turned 25 my premiums dropped below 300, and every car I've owned since, old, new, fast have all been around 280-320 a year with £100 excess. My kid about ten years ago had a 2004 1.3ka that cost her 2300 with a box fitted. Strangely my eldest lad had just passed his test at 30 and he has bought a decently powerful normal car, and his first insurance is £800. So age seems to be fair more important to insurers than experience. A good tip to reduce your insurance is to put your wife or girlfriend (boy friend probably works too). My wife only has a provisional, and I've been putting her on my insurance since the 90s, and it reduces my premiums . I'm not sure it makes any difference now, but when we were younger before 25, it saved us £100 a year. That was when she was a girlfriend and not wife. If you haven't got a girlfriend, I'd be tempted to tick the gay box and get a quote with your best mate on it. Could save you a few quid. Not sure if it's the same now, but in the 90s small vans were cheaper to insure than cars, so my first car was a MK3 92 escort van. Great for sleeping in after raves, and half the price of a car to insure. My current car is a Cupra born and this has been my dearest insurance since I turned 25, at £360 with £100 excess. My 16 GTC VXR and my 19 leon Cupra estate was under £300. So I'm pissed the Cupra is so expensive. (Relatively)
as a UK resident I confirm : it's a joke. It's run by investors who approach it as a risk/return, so any factor that increases risk is taken into consideration when calculating the final price. If insurance was run by state o (like DVLA) it would be much more uniform.
Meh. It is run by investors in the same way any other business is. Yes it is very much based on risk and return but again, so are all other businesses really. You are providing a service and to survive you need to make a bit more than it costs you. There are many factors, not just the driver. The reason your policy costs a different amount every year is because of all those factors. Many of the big insurers in the UK got it very wrong last couple of years when they made a grab for the burgeoning EV market. They got a lot of new customers but underestimated the repair costs and ended up making a loss. Parts prices change. Brexit fucked the supplies of some parts which delayed repairs and put up costs in terms of hire cars storage etc. These things all go into the pot. If it were run by the state you wouldn't have the competition which believe it or not does keep costs down and we'd end up subsidising it through taxes instead anyway.
Insurance always was run by investors headging their bets. I think the issue these days is its run by lawyers who are risk averse so they now just refuse to quote for anything they dont like. Most the insurance companies are actully just brokers so they can only do what the small number of actual underwriters say.
I agree with you but it's a double edged sword, if the state administered insurance it would be unlikely to accommodate modified cars so it would be the end of them.
while i accept (and actually like) an open market for something like this, the main problem is that unlike almost all other forms of personal insurance, you cannot operate without it. a situation like that without market regulation is crazy
i had to pay x8 times what car is worth when i was 17 now im 42 its less than £200 we have to learn that we are rewarded when were not racing to McDonald's and try to outndrive mates as we are sat at home rest with own bloody kids lol
@@W92BajIt cost me 215$ cad/year to insure my vehicule at 16 years old in canada, before I even had a license. It was a 1995 toyota corolla. There is no reason insurance should cost more than the car. It's a bad system and 5000£ is literally purely greed.
UK insurance is absolutely crazy. I've done insurance quotes and somehow I can get a heavily modified classic car for £260 per month as a New driver whereas it's 1 grand a month to insure a standard Fiesta
It's all based on statistics from their database, loads of new drivers have crashed standard Fiestas but not many have crashed the classic car you're talking about.
@@kieranjamiesonyeah that is true, however I would have thought that a classic car without any safety features, a 3.0l V6 and being heavily modified would have been at least a little more to insure than £260 a month.
@@Muxtxng The safety features are irrelevant, they don't care if you hurt/kill yourself, they're on the hook if you hurt/kill other people! What modified classic 3.0 V6 do you have? Sounds interesting...
@@Thatlimodriver is there an actual limo drivers license which is why noone will insure them? Or is it just that they aren't limo drivers and aren't using it for its intended purpose?
it's easy - you get a limo license, and then issure it as a commercial limo, and charge YOURSELF to use it for company trips, effectively creating a tax write off ... your limo invoices can be the new "taxi receipts" of tax reduction.
Yeah, except there is no way you're getting commercial limo insurance for £1k! Or even 10x that amount! Commercial insurance (which will mandate a hefty public liability for all the drunken stag/hen passengers, etc) is very costly, one of limo companies' biggest overheads.
@@aquacruisedb few years ago but still Lincoln town car stretch ... 350 quid Bentley 300 quid soft top vintage ( 72 ) roller , 350 quid merc stretch both 4 and 6 door .3 grand The mercs were insured as a taxi and plated with our own license .
@@aquacruisedb of course - but say TDC are making a nice amount of profit at the end of the year, and they don't want to give even more money to mr taxman, after having paid various taxes as a business owner during the course of the year... say they have £20k profit... and the limo costs 15k per year - they can put those "costs" against their profit, and then they'll pay tax on 5k instead at the end of the year, and they'll have got to travel around the way they want - add in they could theoritically charge what they wanted for a journey (to themselves) and you can make it work financially without losing too much cash. I agree public liability will be a pain, but the TDC boys will already be paying a fair whack on that as they are shooting in public, with cars, and as someone who has aranged/paid for film set insurance and taken part in liability risk assessments for shoots - it's probably not that much different.
Cut the excess off, weld the back where is supposed to be, use the mid section to build a... bird house, a bbq or whatever enjoy your lincon shorty, with modern luxury mods
how the HELL have i just found the second channel of the best youtube channel in the world. man i love you guys. auto alex already stagnant not completing projects. you two are and your helpers are ace.
Only if your location qualifies - which anywhere in sniffing distance of urban, will not. I live in a village of ~2000 houses, with dozens of farms within 5 minutes of my house, one literally 30 seconds away... and I was told they do not cover my area since their primary market is insuring farmers, and that my area was "not rural enough". 🤔 Nice people to talk to though - actual people and not robots.
@@danlance and yet I used to insure a car with them when I lived in Weston super Mare. I am now actually in the country and they are hideously expensive for all insurance products (they wanted 1500 quid to insure my house because it's partly made of cob and stone, whereas my current provider offered renewal at 600 quid). Weird company.
I use NFU in the Manchester area, and they're grand. I will say though that they are not insuring new customers on certain vehicles, including Range Rover Evoke.
I have heavy commercial vehicles in the USA. They are truck tractors. The one that is owned by my business has been about $20,000 per year for insurance that specifically excludes personal use. The other is owned by me personally, and it is about $2,000 per year for insurance that specifically excludes business use.
In the US if you are uninsurable, you can go to the department of motor vehicles and get an exemption. Essentially the government tell you that if you crash against anything, you are liable for all the damages out of pocket
In italy to drive a speciality vehicle in a different way than it’s intended you need a permit from the police that says it’s not used as it was born. This applies to hearses, ambulances, tow trucks (those also might need a different license also) and other vehicles like those
well, part of me was thinking Minibus license, but that's up to 12 seats on a normal license. As people are saying, maybe its a cat D1 license? maybe its worth ringing up a limo company, or a funeral home (cuz you know they have them), and see how they go about insuring it? HOWEVER! I wanna see you a hire a buzz saw.....so BUZZ SAW!
I ran the comparison numbers for insurance thru my insurance company here in Florida and that Lincoln would cost between $350-$400 for 6 months of coverage, and the full-coverage ran as high as $1,239 for 6 months of coverage.
UK insurance is total BS . I'm 46, 6 Yr NCB and I've had quotes for 7k to insure a Nissan elgrand. And I've held a UK licence for 28 years and never had any convictions or endorsements. Cheapest I've had is 1k .
jap import only so they are scared of repair costs . It will be an instant write off if it so much as breaks a mirror glass . Had thei crap with RVR , glanza V and vrs other japs
@@W92Bajevery city has high insurance prices nowadays birmingham/London/manchester/ youd be lucky to get insurance below 3k a year in any of these places
A vehicle with 9 seats or more (including the driver's seat) is considered a bus. The limo has 8 seats, so it should be fine. On the other hand, maybe it can be insured as a bus if they add a passenger seat to the front.
Look for a limo company, call them up and ask them who does their insurance. Then call that insurer and see what can be done. But the UK, like most of Europe, whilst allowing you to drive a limo with a category B license, typically the insurers want you to have a PHV/PSV license (or equivalent).
2 options that may work for you. 1. Take a class D test. (You need a Bus license to drive a limo commercially I believe) 2. Chop off the cab from behind the drivers seat, and turn the rear into a car transporter, then re-register it as a commercial vehicle. Although whoever drives it will need a class C1 license, and someone will need to get an O-license which I assume you have as you use car and trailers to haul cars for business use.
That's why I like insurance here. It's split between mandatory (they cover you for damages you cause) and accidental (you are covered for your/other people's mistakes). The mandatory, because it's mandatory, is quite cheap (my last quote was €145, next year's quote is €165 a year) while my accidental insurance is €400, going down to €360 a year in 2025. So you could insure your limo against damages you would do, but not for your loss and be legal to drive.
Car insurance in the UK is ridiculous. I do less than 6k miles a year and my company tried to raise the price over £250 with no policy changes. It made no sense for why it increased.
@@15DEAN1995 Costa have increased across the board. Repairs are more expensive. Parts are more expensive. Even basic shit like running an office is more expensive. People want pay rises, electricity is more expensive. Everything
I have had insurance cancelled on me for a vehicle which turned 20 years old while it was on policy. Apparently no longer an insurable interest and underwriters appetite apparently.
When seeing this I'm very glad for the swedish tiered insurance system. We have full insurance, which is what it says on the tin. Half insurance which covers vandalism, fire damage, theft and somethimes animal collisions. And traffic insurance which basically lets you use your car on the road, but doesn't cover anything happening to it. Traffic is the basic cover which covers other cars involved in accidents caused by your car, as well as broken guard rails, light posts or other things you could've hit, and is included in all higher tiers as well. Insurance is also applied to the vehicle and not the person here, which is great!
To be fair I can see why a normal car insurer wouldn’t want to touch a limo, in an own fault crash they’d be liable for injuries of all passengers who won’t have had seatbelts on.
‘We haven’t bought an F22 Raptor’ Fun fact, aircraft insurance is significantly cheaper than car insurance. I insure my six-seater, high performance complex aircraft for about £900 a year. And pay double that for a rotten old BMW estate that I got for £1500. I work with a company that owns and operates ex-RAF fast jets, and insuring THOSE is still pretty reasonable!
I was paying roughly £250/yr for insurance, until somebody merged into me on the fast lane on A1. 2yrs later I'm paying £1,250/yr as some reason they haven't decided who's at fault and most likely will go down as both at fault. What, the actual fuck! Been driving for 18yrs with no accidents!
This a brilliant point to be honest, insurance is shocking been driving 11 years and it’s still a joke. Also love the video, always look forward to you guys posting another video 🤘🏽
@7:00 nothing worse than trying to sort out insurance through automated calls. I did it earlier in the year for an insurance quote and took me 20 mins before it took me back to square one. Absolute nightmare.
It's almost like the UK government wants people to drive without insurance. You may have the best used car market, but my god what can you get out of that when your car is uninsurable😂
In that case I really don't think the government is to blame, those are private companies, that are just really money hungry and want to pick and choose their customers
The UK Government should provide a basic insurance that's covered by road tax. The fact you're required *by law* to hand money to private companies is fucked up
That's the crap I've just had to go through to insure a bog standard seat leon. Direct line had increased my insurance with another clean year behind us by 33% , Adrian flux who insure my campervan wanted 50% more than direct line and after far too much time on comparison sites and calls to non site insurers, we got it with the AA at last years premium. There's something really dodgy about uk insurance at the moment and I can see why (even if its inexcusable) so many drive without cover. 😢
To be fair to the insurance places, Britain has a lot of tight, winding roads. I know at least where I was born up in North Yorkshire, there was obviously straight roads that would fit it easily, but then winding and tight turns that a limo would not make, regardless of experience. All in all though, would be hilarious to see you insure it and then do a video of driving a short road trip from one place to another with some challenges in between. Good luck!
Boys! Turn it into a TRAILER! You can keep the length of the car, eliminate the need for maintaining any mechanics on it, and no special insurance limitations - just call it a caravan 😀
Two things: First, because its coming up weird on DVLA, that probably immediately rules out most insurers. Second, you could try insuring/ registering it as a 'small minibus', because it could be interpreted as one. Its not super uncommon for people to have those as a personal vehicle 'not for hire/reward'
Where i am from it's the car that's insured and not the driver, you don't even need a driving license to own and insure a car in your name. It is you as the owner who is responsible for that who ever drives the car have a drivers license, is sober behind the wheel and to make sure that the car is approved road and worthy. Insurance is usually a bit more expensive for drivers under the age of 23, but if a 18 year old with a fresh license insures a car he will get some of the money back when turning 23 if he has no incidents. There is no problem getting a insurance for a modified car as long as the modifications are approved by the equivalent of your DVLA. And the insurance companies can not refuse to insure your car, they can make a credit check and if that comes out bad they have to make you pay for your insurance beforehand.
I reckon vehicle tax should be say £1000 a year and include a 3rd party only cover insurance, it’s one way of ensuring people pay insurance and tax vehicles at the same time
That's what New Zealand used to do, not sure if they still do. But when I went about 15 years ago I started asking questions after seeing loads of young lads with V8 Commodore's 😂
This is insane, In the USA, I was insuring a 25 foot school bus and a 40 foot MCI bus under commercial vehicle, private use for $850 a year liability only, does not the UK have the equivalent?
Hello people at TDC. I got experience with mice getting into a vehicle. To put it short, you're going to have to have a VERY thorough ripping out of the interior to find the rust rot hole that allowed the mice to get in. The fact that you found foam bits means they chewed through either the window pillars to the ceiling or your seats, both of which has that kind of foam for sound deadening purposes. If you find poop or pee marks on anything at all that is foam or a textile that will soak it in then that stuff needs to be thrown out. Those kind of materials will develop mold in hidden areas such as your carpets there anywhere from the carpet through the foam padding. No amount of wet vac cleaning will fix that mold damage. So please keep this in mind when you decide to reuse the limo.
Even in the USA it is insanely hard to insure what they call "Livery Vehicles" like Busses, Limos, Hearses, and even old Tractor-Tailor Trucks as private vehicles because it is so unusual for people to use such vehicles for private use. Throw a cassette toilet and small sink in an old bus and it suddenly becomes a "recreational vehicle". Try telling them it is a "Customized Lincoln Town Car For Normal Passenger Car Uses" and do NOT mention ANYTHING about "limo" or "business" or "shuttling employees around".
Insurance is so expensive in the UK BECAUSE it is compulsory. The companies know you HAVE to buy it at any price. In NZ insurance is optional and our prices are much cheaper. It also means the insurance companies have to try harder to sell a policy .. they still try not to pay in the event of a claim .. which is universal
That is not totally true. In other European countries in general, Insurance IS MANDATORY, and prices are "normal". Example: a 10 year VW Golf will pay between 200-600 Eur /year. (In general, depending of insurance extras and driver age/experience/location
something else must be at play in the UK because in most US states its a legal requirement to have car insurance but we have a wide array of prices. Even states with lots of laws and regulations on the industry have companies with acceptable prices.
Put a kitchen in it and maybe give it a pop-up roof, Re-register it as a motorhome and insure it as such, That's all I can think of, plus it would be a fun project to watch
You should go onto all of the hearse forums as they are all made by the same companies as the limos and a lot of people by the horses for personal use so they all have already jumped through all these hoops and they know where to get the insurance
I really want the state of insurance in the uk to be resolved, my first year of driving was 3500 on a 1000cc car with 59 hp and it’s only 6 years old I now have a 2l bmw 3 years later and I’m now paying 4k a year with no points on my licance and nothing to declare , you’d be cheeper buying cocaine and running everywhere
So do you need to get a limo license and insure it as a proper limo for hire?? That would be fun to see you guys go through those classes and actually start it as a company.
Just an idea chaps, if it can’t be a luxury method of conveyance, what COULD it be a luxury provider of? Strip it out and make a home gym (rowing machine and running machine positioned under the sunroof) A luxury sim driving rig? Maybe a luxury garden entertainment rig, with a bbq under the bonnet and a sun deck and plunge pool in the car itself? OR if it’s so hard to insure because it’s a limo… de-limo it and make it a… pick up tuck?
![ค้าง (STILL) - GEMINI [ OFFICIAL MV ]](http://i.ytimg.com/vi/Ftxx3hk5vkU/mqdefault.jpg)
Set up a subsidiary company that provides limo services to the TDC and the AutoAlex multiverse, then get that company insured to operate its Limo for approved drivers.
Goated strategy
this would be really good depending on how much the cost is
Mark McCann has a video about trying to setup your own insurance company, TL;DR: you need to have very deep pockets: th-cam.com/video/Gz1G3WecMdU/w-d-xo.html
I was gonna comment this if no one else did. This is the way to do it
This would never be under 1000 pounds a year as youre then also insuring the “paying customer” that you ride around.
In Spain if no company offers you insurance you can go to a public institution, Consorcio de Compensación de Seguros, and ask for insurance and they WILL insure your vehicle.
You need to demonstrate that at least two or three insurance companies have refused to insure your vehicle.
The UK needs something similar, otherwise they're basically contributing to having drivers with no insurance on the roads.
The thing is if we had a public institution like that theyd say “we cannot help you because there are companies willing to insure you for (insert stupidly high price)” making it redundant
theres a difference between no company offering you insurance, and companies offering you insurance for silly amounts which basically say go away. Where does Spain draw the line >
@@Automan9 I think if we were to have this system we'd have to pick a number. At the very least 5 figures, probably lower than that.
There is the same system in France, but while it will force an insurer to give a price, you can be pretty sure the price will be unreasonable. For example, there is no way they'd get under 1K with the limo under that system.
That is not the issue here. The issue is that insurance companies are qouting a large premium, far exceeding the value of the car and not worth it if they will do less than 2k miles per year.
In the UK, we need a public enquiry into why insurance is the way it is. I've been driving for almost 10 years and it's a JOKE each and every time, no matter what car I have.
I think the insurers have discovered that if providers of a compulsory service conspire with one another, they can make as much money as they want. This is especially true if said industry is dedicated to mostly providing literally NOTHING in exchange for your money.
@@C.I... It's a scary thought really. Most of us are working class and we NEED our vehicles for work and family etc, but we throw huge chunks of our wages away for no reason.
In what ways is it a scam?
I just want to know where all the money goes, I've paid an average of £500 a year, for 10 years and I've had nothing in return.
An inquiry? Notorious for meaning less than nothing in the UK. Done by MP's lobbied by those same insurance companies? Yea, I'm sure they'll get right on that.
Change the reg it's probably black listed for insurance scams previously
6:10 "saloon is possibly a stretch"
I still have no idea if that was deliberate or not but it is solid gold
Possibly a shrink
I was just coming to comment how much of a missed opportunity there was for a well executed joke there lol
Adrian Flux once quoted me £4500 and said I could get it cheaper if I call up, so jumped through all the hoops again over the phone, £6000. They then asked who gave me the first quote, it went rather quiet when I told them they did. Went with NFU in the end, £900, everything declared, fully comp.
Insurance in the UK is a complete joke.
Adrian flux used to brilliant 20 years ago for young drivers and performance cars. They where the first to insure noz too
Adrian Flux refused me insurance on a 1.2 Polo with 1 year NCB 🤣
I was insured with aib last year but they wanted 3.6k went via comparison fully declared 800
NFU may not be a bad shiut. Worth a try. Maybe Adrian Flux has got a bit too cautios nowadays
"joke" really summs it up
Insurance in the UK is such a joke.
Definitely the prices my friend and I pay is crazy my gf pays 4 grand a year on a 1.9 Ibiza 6L I pay 2.2k on a a4 b7 2.0tdi my friend pays 3k on a 0.9 Renault Clio another friend pays 5k on a 1.6 mx5 it’s mental
@@kianweaver6922 Where do you live mate? Remind me not to move there jesus!
for real i follow some quad page on faacebook
and all i read when it are people from UK they ask if they know any assurance who can assure there quad... seems like like most assurance dont wanna insure a quad... or give them horrible prices... what is crazy... feels like this limo, and other youtuber wanted ot insure a london TAXI and they got charged ALOT wtf is up with uk assurance
@@kianweaver6922does this insurance cover your own car in case of an accident where you are at fault?
@@chrismannik yes
UK insurance: Q plate motorised sofa built in a shed by a guy named Stanley, yeah we'll insure that!
Mass produced American limousine: nah wouldn't touch that mate
Yep, scratch the Vin off put it through an IVA and get a q plate on it they'd have no bother registering and insuring it as a kit car
The sofa has better build quality and can go around corners
Limos were not mass-produced. They are death traps. Cobbled together by who knows
they aren't mass produced, they're mass converted from town cars. this is not a manufactured car
@@kiddy1992 Same thing with a lot of commercial and EMS vehicles. Basically all of them are built to order.
"Whats the limo being used for?" "Its a lunch car" 😂
It's a perfectly cromulant use case.
"Lincoln Lunchcar"
'the Kentucky Collector'
Track use only? It's a Launch car
Is that Adrian Flux guy actually Jack Joy moonlighting?
Its because the car isnt registered properly, this is why nobody will take it.
Video idea.... what do you need to do to register an American import?
Get that sorted andvim sure you will get more quotes
Yess, that's the way to go! Being a car guy also means having to deal with all that!
Absolutely!
I’m a HGV mechanic and we see a few privately owned HGVs (horseboxes, and people taking traction engines etc to shows) may be worth contacting some of those as the underwriters will be used to insuring commercial vehicles for private use
Car insurance in the UK is pure extortion respects for TDC shedding light on this, something has to be done
It really isn't. I used to think it was a random number generator too, then (as might be obvious from my replies elsewhere here) I got a back office job with one and it is quite eyeopening. Often margins are very tight and when another insurer drops their price (and they will) you are forced to follow suit or you will lose customers. Its a constant battle of costs vs risk vs income
@@W92Bajyet they are posting record profits every year. The model they use is all wrong imo, we need public insurance since you have to have it by law, and capped insurance with car price not driver price like some eu countries.
@@W92Baj If that was strictly true, they'd all have priced each other out of existence.
@@W92Baj Someone crashed into my little brothers car and got a scratch on their own vehicle. 5 grand was paid by my brothers insurer to fix it. Many palms getting greased....
@@W92BajSo you think the margins on a 32,000 per year policy on a 20 year old 3l BMW are tight? You could buy 10 of those cars for that insurance price.
I filled in the DVLA paperwork for my JDM import correctly but the licence plate check still doesn't work, seems to be a bit of a lucky dip. For that reason, this soul destroying insurance ringaround is a pain I know too well as when I try price comparison websites, it just says "call us"...... I just don't get why it has to be so hard, UK insurance companies make far too big a deal of cars being imports.
Can you turn it into a camper van? And insure it that way ?
Shout
That's actually a very good point.
They need to do this!!!
It might be a stretch (pun intended) but it could just work.
Good creative thinking.
Car insurance in the UK is weird. A few years back, my partner put business logos on his car (nothing fancy - just a Toyota Aygo), and the amount of hassle we had getting insurance on that was insane. Similarly, I had planned to get the windows tinted on my car (just the rear screen and rear doors). I decided to play it safe and wait until my insurance was due for renewal and then claim it as part of the renewal. I was with Admiral at the time and they said they couldn't insure it if I had the window tints added as they didn't cover 'any form of modification to manufacturers spec' (I kid you not). Changed to a different company for the renewal (thankfully a similar price) and there was no issue with them.
Clean it up and make it a podcast set
Clean it up and make it the "lunch room" where you all gather to eat, or a static conference room?
A replacement for the Caracottage too
Basically an Eagle Quest competitor?
Insurance is a con in the UK. I was insured by Adrian flux for £980 for the year. When I came to renewal in December. They wanted £3451, because thier policy doesn't cover 7 seaters anymore. The only insurer that would do is aviva. Yet went direct and got it for £610.
04:40 Ooh i recognise an mr2 interior when i see one. Disguised as a Ferrari. Could be fun hope its either a v6 or turbo.
I kept seeing this car on Marketplace (or one exactly like it) listed for around £12k I seem to recall, in South Wales
@@danbuckingham5077 that's seems a very high price depending what's been done with it. Will be fun to see what they are doing with it.
There’s something wrong with the registration. Check the simple stuff first - does the actual reg plate and VIN match the V5 etc.
My old company had real trouble insuring a motorbike, only to notice that the V5 said it was a diesel…
The other thing I’d check is that it should be classified as a Lincoln Town car, and there’s not a separate model classification (like how a 3 series is different to a 3 series touring). I suspect that will involve many frustrating conversations with the DVLA, but that would be my next port of call.
It might be though that some vehicles just aren’t on the underwriters’ database for domestic vehicles - you’d probably have trouble doing the same thing with a combine harvester. If that’s the case, you’re going to have to stump up for business insurance - and then hire it out at weekends until you’ve paid the £20k? off. Better get looking for a monkey suit and a chauffeur’s hat guys
Insurance in the UK has been a joke for well over a decade now. It's because all insurance companies in the UK are ultimately owned by about 4 conglomerates, who also buyout any new startups. This allows them to treat the insurance market as a racket and charge customers whatever they want, who have no choice if they want to drive their cars.
The UK monopolies commission *definitely* needs to look into insurance.
They're probably lining the pockets of the UK Competition & Markets authority
Delimoing a Limo would be quite a funny video series to be honest. You could then turn the middle part into the worlds shittest outdoor podcast setup as well.
1:25 “We went for lunch and that went a little poorly” 😂 This scene had me in stitches watching it.
"I've got someone else's sandwich"
"There's Fanta in my sandwich!"
My first insurance was £700 in 1998. When I turned 25 my premiums dropped below 300, and every car I've owned since, old, new, fast have all been around 280-320 a year with £100 excess. My kid about ten years ago had a 2004 1.3ka that cost her 2300 with a box fitted. Strangely my eldest lad had just passed his test at 30 and he has bought a decently powerful normal car, and his first insurance is £800. So age seems to be fair more important to insurers than experience.
A good tip to reduce your insurance is to put your wife or girlfriend (boy friend probably works too). My wife only has a provisional, and I've been putting her on my insurance since the 90s, and it reduces my premiums .
I'm not sure it makes any difference now, but when we were younger before 25, it saved us £100 a year. That was when she was a girlfriend and not wife.
If you haven't got a girlfriend, I'd be tempted to tick the gay box and get a quote with your best mate on it. Could save you a few quid.
Not sure if it's the same now, but in the 90s small vans were cheaper to insure than cars, so my first car was a MK3 92 escort van. Great for sleeping in after raves, and half the price of a car to insure.
My current car is a Cupra born and this has been my dearest insurance since I turned 25, at £360 with £100 excess. My 16 GTC VXR and my 19 leon Cupra estate was under £300. So I'm pissed the Cupra is so expensive. (Relatively)
I could never live in England because you guys don't have 3/4 ton trucks with 7.4 liter v8s 😂
as a UK resident I confirm : it's a joke. It's run by investors who approach it as a risk/return, so any factor that increases risk is taken into consideration when calculating the final price.
If insurance was run by state o (like DVLA) it would be much more uniform.
Meh. It is run by investors in the same way any other business is. Yes it is very much based on risk and return but again, so are all other businesses really. You are providing a service and to survive you need to make a bit more than it costs you.
There are many factors, not just the driver. The reason your policy costs a different amount every year is because of all those factors. Many of the big insurers in the UK got it very wrong last couple of years when they made a grab for the burgeoning EV market. They got a lot of new customers but underestimated the repair costs and ended up making a loss. Parts prices change. Brexit fucked the supplies of some parts which delayed repairs and put up costs in terms of hire cars storage etc. These things all go into the pot.
If it were run by the state you wouldn't have the competition which believe it or not does keep costs down and we'd end up subsidising it through taxes instead anyway.
Insurance always was run by investors headging their bets. I think the issue these days is its run by lawyers who are risk averse so they now just refuse to quote for anything they dont like.
Most the insurance companies are actully just brokers so they can only do what the small number of actual underwriters say.
I agree with you but it's a double edged sword, if the state administered insurance it would be unlikely to accommodate modified cars so it would be the end of them.
while i accept (and actually like) an open market for something like this, the main problem is that unlike almost all other forms of personal insurance, you cannot operate without it. a situation like that without market regulation is crazy
If insurance was run by the DVLA then you wouldn’t hear back from them until a few weeks after the policy expired…
Did you try Greenlight Insurance? It might be worth reducing the seats to seven if you can too, eight seats puts it in a different category.
Insurance is the biggest scam in this country...my apprentice has to pay 5 grand for a 1 litre 1995 volkswagen polo...5 GRAND!!
He's a massive risk. If he's under 20 he is statistically likely to put it in a hedge. Insurers are more worried about him putting it into a bus stop
i had to pay x8 times what car is worth when i was 17 now im 42 its less than £200 we have to learn that we are rewarded when were not racing to McDonald's and try to outndrive mates as we are sat at home rest with own bloody kids lol
@@W92BajIt cost me 215$ cad/year to insure my vehicule at 16 years old in canada, before I even had a license. It was a 1995 toyota corolla. There is no reason insurance should cost more than the car. It's a bad system and 5000£ is literally purely greed.
Something newer will likely be cheaper to insure because of parts availability etc and better safety standards but I agree it's shit
@benllewelyn98 not necessarily. Newer can mean more tech which is more expensive.
UK insurance is absolutely crazy. I've done insurance quotes and somehow I can get a heavily modified classic car for £260 per month as a New driver whereas it's 1 grand a month to insure a standard Fiesta
It's all based on statistics from their database, loads of new drivers have crashed standard Fiestas but not many have crashed the classic car you're talking about.
@@kieranjamiesonyeah that is true, however I would have thought that a classic car without any safety features, a 3.0l V6 and being heavily modified would have been at least a little more to insure than £260 a month.
@@Muxtxng The safety features are irrelevant, they don't care if you hurt/kill yourself, they're on the hook if you hurt/kill other people! What modified classic 3.0 V6 do you have? Sounds interesting...
What car has a rate like that?? @Muxtxng
What are the chances of me stumbling apon this channel, yes I am a limo driver I charge £52 an hour 📲
so there £1000 insurance budget would get them 20 hours worth of driving 😂
@ I’m rated 5stars on yelp 😂
And you provide your own insurance?
🤣🤣🤣🤣🤣
@@Thatlimodriver is there an actual limo drivers license which is why noone will insure them? Or is it just that they aren't limo drivers and aren't using it for its intended purpose?
it's easy - you get a limo license, and then issure it as a commercial limo, and charge YOURSELF to use it for company trips, effectively creating a tax write off ... your limo invoices can be the new "taxi receipts" of tax reduction.
Yeah, except there is no way you're getting commercial limo insurance for £1k! Or even 10x that amount! Commercial insurance (which will mandate a hefty public liability for all the drunken stag/hen passengers, etc) is very costly, one of limo companies' biggest overheads.
limo license ?...... its the uk , theres no such thing
@@aquacruisedb few years ago but still
Lincoln town car stretch ... 350 quid
Bentley 300 quid
soft top vintage ( 72 ) roller , 350 quid
merc stretch both 4 and 6 door .3 grand
The mercs were insured as a taxi and plated with our own license .
@godzillas6301 wrong. If it seats 9 you need a psv licence. If it's 7 it's a phv licence
@@aquacruisedb of course - but say TDC are making a nice amount of profit at the end of the year, and they don't want to give even more money to mr taxman, after having paid various taxes as a business owner during the course of the year... say they have £20k profit... and the limo costs 15k per year - they can put those "costs" against their profit, and then they'll pay tax on 5k instead at the end of the year, and they'll have got to travel around the way they want - add in they could theoritically charge what they wanted for a journey (to themselves) and you can make it work financially without losing too much cash.
I agree public liability will be a pain, but the TDC boys will already be paying a fair whack on that as they are shooting in public, with cars, and as someone who has aranged/paid for film set insurance and taken part in liability risk assessments for shoots - it's probably not that much different.
Turn it into a very long caravan
Cut the excess off, weld the back where is supposed to be, use the mid section to build a... bird house, a bbq or whatever
enjoy your lincon shorty, with modern luxury mods
Why not contact the previous owner, see how he insured it
good shout, but he was probably a pro limo driver.
Propably insured for business
@@Blakenwhyte probably tbf but it could be worth a shout
The previous driver considered it's a Lincoln town car might be an American insurer. So yeah
They’ll probably find the previous owner was only selling it as they couldn’t get insurance for it 🤣
how the HELL have i just found the second channel of the best youtube channel in the world. man i love you guys. auto alex already stagnant not completing projects. you two are and your helpers are ace.
Try NFU Mutual. They'll literally insure everything because theyre insuring it themselves
Only if your location qualifies - which anywhere in sniffing distance of urban, will not.
I live in a village of ~2000 houses, with dozens of farms within 5 minutes of my house, one literally 30 seconds away... and I was told they do not cover my area since their primary market is insuring farmers, and that my area was "not rural enough". 🤔
Nice people to talk to though - actual people and not robots.
@@danlance and yet I used to insure a car with them when I lived in Weston super Mare. I am now actually in the country and they are hideously expensive for all insurance products (they wanted 1500 quid to insure my house because it's partly made of cob and stone, whereas my current provider offered renewal at 600 quid). Weird company.
I use NFU in the Manchester area, and they're grand. I will say though that they are not insuring new customers on certain vehicles, including Range Rover Evoke.
15:51 - sell it to another pair of mugs to deal with it. :P
Hello All The Gear?…. Yes it’s me Edwin….
Not gonna lie, when they started talking about a bump and pointed to the gate I thought Edvin crashed into the same gatepost as Alex 😂
I have heavy commercial vehicles in the USA. They are truck tractors. The one that is owned by my business has been about $20,000 per year for insurance that specifically excludes personal use. The other is owned by me personally, and it is about $2,000 per year for insurance that specifically excludes business use.
That Williams Renault BTCC jacket is cool .
In the US if you are uninsurable, you can go to the department of motor vehicles and get an exemption. Essentially the government tell you that if you crash against anything, you are liable for all the damages out of pocket
In italy to drive a speciality vehicle in a different way than it’s intended you need a permit from the police that says it’s not used as it was born. This applies to hearses, ambulances, tow trucks (those also might need a different license also) and other vehicles like those
Trade plates for your 'car related business' is what I'd be doing 😂
well, part of me was thinking Minibus license, but that's up to 12 seats on a normal license. As people are saying, maybe its a cat D1 license?
maybe its worth ringing up a limo company, or a funeral home (cuz you know they have them), and see how they go about insuring it?
HOWEVER! I wanna see you a hire a buzz saw.....so BUZZ SAW!
I ran the comparison numbers for insurance thru my insurance company here in Florida and that Lincoln would cost between $350-$400 for 6 months of coverage, and the full-coverage ran as high as $1,239 for 6 months of coverage.
UK insurance is total BS . I'm 46, 6 Yr NCB and I've had quotes for 7k to insure a Nissan elgrand. And I've held a UK licence for 28 years and never had any convictions or endorsements. Cheapest I've had is 1k .
Birmingham? It should be a lot less than that
jap import only so they are scared of repair costs . It will be an instant write off if it so much as breaks a mirror glass . Had thei crap with RVR , glanza V and vrs other japs
@@W92Bajevery city has high insurance prices nowadays birmingham/London/manchester/ youd be lucky to get insurance below 3k a year in any of these places
This is nuts. Eddie Hall has insured a couple of street-legal tanks. Actual Tanks!!!!
Limos are death traps... They're not built well
"Saloon is probably a stretch"
I see what you did there.
Personal opinion: get rid of it, sell it, scrap it, whatever, it did its mark at being content for the main channel and did its job.
I agree
Turn it into podcast studio because cottage is falling apart
@@darekmistrz4364 I was gonna say this, have it as a studio
obviously the solution here is to use the insurance money to get a HGV license and buy a artic lorry and trailer to move it around
If you have £500000 deposited with the Accountant General of the Senior Courts, UK motor insurance rules don't apply.
Maybe won’t be able to drive it as a limo, but what about using the drivetrain and interior bits for a project?
A really long Ninky Nonk...really long.
Yea imports are no fun, I bought a Subaru Exiga and had to use a specialist insurer to get a quote. Wants too bad, but insurance is a joke in the UK.
I wonder if the issue is that you might need a Category D/D1 drivers license? (Basically a Bus License)
No just a normal car license. Just are insurance s**t😂
Tbf I googled it and it says you need a regular license AND a PHV (private hire vehicle) license so maybe that's something
A vehicle with 9 seats or more (including the driver's seat) is considered a bus. The limo has 8 seats, so it should be fine. On the other hand, maybe it can be insured as a bus if they add a passenger seat to the front.
It depends how many seats it's got 9 is psv but they are getting declined before they ask what licence they have.
Just the thought of WIill going "Really?!" while the lady says the car he insured is a limo cracks me up
Look for a limo company, call them up and ask them who does their insurance. Then call that insurer and see what can be done. But the UK, like most of Europe, whilst allowing you to drive a limo with a category B license, typically the insurers want you to have a PHV/PSV license (or equivalent).
its also an issue with the import method of the car/the rego
2 options that may work for you.
1. Take a class D test. (You need a Bus license to drive a limo commercially I believe)
2. Chop off the cab from behind the drivers seat, and turn the rear into a car transporter, then re-register it as a commercial vehicle. Although whoever drives it will need a class C1 license, and someone will need to get an O-license which I assume you have as you use car and trailers to haul cars for business use.
Take it Banger racing
How would they get it there?
@@nine_poundSame way they move plant equipment. Low loader.
Really great video guys. More stuff like this with a bit of car reviewing, adventure, great camera shots and comedy. You’ve both smashed it!
Extra upload this week we are fucking blessed
That's why I like insurance here. It's split between mandatory (they cover you for damages you cause) and accidental (you are covered for your/other people's mistakes). The mandatory, because it's mandatory, is quite cheap (my last quote was €145, next year's quote is €165 a year) while my accidental insurance is €400, going down to €360 a year in 2025.
So you could insure your limo against damages you would do, but not for your loss and be legal to drive.
You can do the same here. 3rd party and Fully Comprehensive
Car insurance in the UK is ridiculous. I do less than 6k miles a year and my company tried to raise the price over £250 with no policy changes. It made no sense for why it increased.
@@15DEAN1995 Costa have increased across the board. Repairs are more expensive. Parts are more expensive. Even basic shit like running an office is more expensive. People want pay rises, electricity is more expensive. Everything
250 a year or a month? Prices go up because other people drove badly, making the projected cost of you driving more expensive.
I have had insurance cancelled on me for a vehicle which turned 20 years old while it was on policy. Apparently no longer an insurable interest and underwriters appetite apparently.
How do I erase whatever is happening at 10:24 from my memory?
When seeing this I'm very glad for the swedish tiered insurance system.
We have full insurance, which is what it says on the tin.
Half insurance which covers vandalism, fire damage, theft and somethimes animal collisions.
And traffic insurance which basically lets you use your car on the road, but doesn't cover anything happening to it.
Traffic is the basic cover which covers other cars involved in accidents caused by your car, as well as broken guard rails, light posts or other things you could've hit, and is included in all higher tiers as well.
Insurance is also applied to the vehicle and not the person here, which is great!
You mean you didn't run a carvertical report on the limo before you bought it?!? Boys...c'mon!
OHH NOES?
WAAMP WHAAMP!
The only time they or autoalex use carvertical is when they are doing the ads
But they were paid to advertise it! That must mean it really works 😂
Unstretching a limo is a brilliant idea
No it’s not
To be fair I can see why a normal car insurer wouldn’t want to touch a limo, in an own fault crash they’d be liable for injuries of all passengers who won’t have had seatbelts on.
Maybe turn it into a static caravan type thing for podcasts? Idk
‘We haven’t bought an F22 Raptor’
Fun fact, aircraft insurance is significantly cheaper than car insurance. I insure my six-seater, high performance complex aircraft for about £900 a year. And pay double that for a rotten old BMW estate that I got for £1500. I work with a company that owns and operates ex-RAF fast jets, and insuring THOSE is still pretty reasonable!
I was paying roughly £250/yr for insurance, until somebody merged into me on the fast lane on A1. 2yrs later I'm paying £1,250/yr as some reason they haven't decided who's at fault and most likely will go down as both at fault. What, the actual fuck! Been driving for 18yrs with no accidents!
This a brilliant point to be honest, insurance is shocking been driving 11 years and it’s still a joke.
Also love the video, always look forward to you guys posting another video 🤘🏽
TOP DEAD LIMO SERVICE
shinnanigans abound!
I'm from Ireland and insurance is exactly the same. Calling insurance companies is on par with having your teeth pulled without anesthesia.
Meanwhile in the USA, you can get litterally anything insured. Think you might get an STD? There's insurance for that!
@7:00 nothing worse than trying to sort out insurance through automated calls. I did it earlier in the year for an insurance quote and took me 20 mins before it took me back to square one. Absolute nightmare.
Podcasts from inside the limo
The insurance industry needs to be reigned in, seriously it’s getting tedious to insure my car, bloody extortionate prices.
It's almost like the UK government wants people to drive without insurance. You may have the best used car market, but my god what can you get out of that when your car is uninsurable😂
In that case I really don't think the government is to blame, those are private companies, that are just really money hungry and want to pick and choose their customers
The UK Government should provide a basic insurance that's covered by road tax. The fact you're required *by law* to hand money to private companies is fucked up
That's the crap I've just had to go through to insure a bog standard seat leon. Direct line had increased my insurance with another clean year behind us by 33% , Adrian flux who insure my campervan wanted 50% more than direct line and after far too much time on comparison sites and calls to non site insurers, we got it with the AA at last years premium. There's something really dodgy about uk insurance at the moment and I can see why (even if its inexcusable) so many drive without cover. 😢
Put a bed init. Few decals on the side and send the logbook to the dvla try get it reregistered as a motorhome haha.
To be fair to the insurance places, Britain has a lot of tight, winding roads. I know at least where I was born up in North Yorkshire, there was obviously straight roads that would fit it easily, but then winding and tight turns that a limo would not make, regardless of experience. All in all though, would be hilarious to see you insure it and then do a video of driving a short road trip from one place to another with some challenges in between. Good luck!
Stupid question but did you try an American car specialist insurer?
Boys! Turn it into a TRAILER! You can keep the length of the car, eliminate the need for maintaining any mechanics on it, and no special insurance limitations - just call it a caravan 😀
Such an obvious answer, banger racing!
This!
Two things: First, because its coming up weird on DVLA, that probably immediately rules out most insurers. Second, you could try insuring/ registering it as a 'small minibus', because it could be interpreted as one. Its not super uncommon for people to have those as a personal vehicle 'not for hire/reward'
Here in the Netherlands the insurance on this Limo would be about €35 a month for me. Totals to €360, insured as a private use limo.
Where i am from it's the car that's insured and not the driver, you don't even need a driving license to own and insure a car in your name. It is you as the owner who is responsible for that who ever drives the car have a drivers license, is sober behind the wheel and to make sure that the car is approved road and worthy.
Insurance is usually a bit more expensive for drivers under the age of 23, but if a 18 year old with a fresh license insures a car he will get some of the money back when turning 23 if he has no incidents. There is no problem getting a insurance for a modified car as long as the modifications are approved by the equivalent of your DVLA. And the insurance companies can not refuse to insure your car, they can make a credit check and if that comes out bad they have to make you pay for your insurance beforehand.
I reckon vehicle tax should be say £1000 a year and include a 3rd party only cover insurance, it’s one way of ensuring people pay insurance and tax vehicles at the same time
I used to have to take an insurance certificate to the post office to get road tax.
@ me too buddy!! I’m old enough to remember getting given a producer 😂😂
@@bencanavan1531 All too often :))
That's what New Zealand used to do, not sure if they still do. But when I went about 15 years ago I started asking questions after seeing loads of young lads with V8 Commodore's 😂
@@djharry2821 This is how it seemed to work in Australia too last time I was there - and the car is insured for anyone driving it.
This is insane, In the USA, I was insuring a 25 foot school bus and a 40 foot MCI bus under commercial vehicle, private use for $850 a year liability only, does not the UK have the equivalent?
No because our country is dumb
Un-limo it! Shorten it or turn it into a pick-up....
Hello people at TDC. I got experience with mice getting into a vehicle. To put it short, you're going to have to have a VERY thorough ripping out of the interior to find the rust rot hole that allowed the mice to get in. The fact that you found foam bits means they chewed through either the window pillars to the ceiling or your seats, both of which has that kind of foam for sound deadening purposes. If you find poop or pee marks on anything at all that is foam or a textile that will soak it in then that stuff needs to be thrown out. Those kind of materials will develop mold in hidden areas such as your carpets there anywhere from the carpet through the foam padding. No amount of wet vac cleaning will fix that mold damage. So please keep this in mind when you decide to reuse the limo.
Surprised you don't have a traders policy
exactly my thoughts. Taylor has one for sure.
2:40 they said they tried the company policy, so by that they would be meaning fleet
@ fleet differs to traders.
Yeah traders policy would make sense drive anything you have a licence for then
Traders policy has now added so many restrictions -basically you can only insure a nissan qashqai
Did an insurance check on my local insurance broker with a similar limo. Got a quote for a bit over 220€ a year. Uk insurance is a scam
Even in the USA it is insanely hard to insure what they call "Livery Vehicles" like Busses, Limos, Hearses, and even old Tractor-Tailor Trucks as private vehicles because it is so unusual for people to use such vehicles for private use.
Throw a cassette toilet and small sink in an old bus and it suddenly becomes a "recreational vehicle".
Try telling them it is a "Customized Lincoln Town Car For Normal Passenger Car Uses" and do NOT mention ANYTHING about "limo" or "business" or "shuttling employees around".
Insurance is so expensive in the UK BECAUSE it is compulsory. The companies know you HAVE to buy it at any price. In NZ insurance is optional and our prices are much cheaper. It also means the insurance companies have to try harder to sell a policy .. they still try not to pay in the event of a claim .. which is universal
That is not totally true.
In other European countries in general, Insurance IS MANDATORY, and prices are "normal".
Example: a 10 year VW Golf will pay between 200-600 Eur /year. (In general, depending of insurance extras and driver age/experience/location
something else must be at play in the UK because in most US states its a legal requirement to have car insurance but we have a wide array of prices. Even states with lots of laws and regulations on the industry have companies with acceptable prices.
Put a kitchen in it and maybe give it a pop-up roof,
Re-register it as a motorhome and insure it as such,
That's all I can think of, plus it would be a fun project to watch
You should go onto all of the hearse forums as they are all made by the same companies as the limos and a lot of people by the horses for personal use so they all have already jumped through all these hoops and they know where to get the insurance
I really want the state of insurance in the uk to be resolved, my first year of driving was 3500 on a 1000cc car with 59 hp and it’s only 6 years old I now have a 2l bmw 3 years later and I’m now paying 4k a year with no points on my licance and nothing to declare , you’d be cheeper buying cocaine and running everywhere
So do you need to get a limo license and insure it as a proper limo for hire?? That would be fun to see you guys go through those classes and actually start it as a company.
Just an idea chaps, if it can’t be a luxury method of conveyance, what COULD it be a luxury provider of?
Strip it out and make a home gym (rowing machine and running machine positioned under the sunroof)
A luxury sim driving rig?
Maybe a luxury garden entertainment rig, with a bbq under the bonnet and a sun deck and plunge pool in the car itself?
OR if it’s so hard to insure because it’s a limo… de-limo it and make it a… pick up tuck?