High performance Car insurance.

bartbanis wrote: »

Its a 1997, would that qualify foe classic insurance??

It won't qualify for classic insurance until it's 20 years old unfortunately. When it is 20 years old Campion Insurance have no problem covering jap imports as a classic. At the minute a brokers is probably the best way to go to get cover. There is a company called Octane that only sell through brokers and they specialise in high risk cases so might be worth a look

Cannot believe what I've read in this thread

Performance car insurance leads to man telling everyone they are **** and buy a bike for thrills.
Some like bikes, some cars, some both.
I love both and have two off road bikes.

They are a awesome thrill but there's some things you can not get from a bike that i get from my car.

This is the car area, if you go to the bike men they'll surely agree.

Performance is about more than top end speed and outright biggest dick figures.
Any slightly twisty road and that Evo will be waiting for you to pull over. .

Pugzilla wrote: »

I'm not encouraging anyone here to get a bike. Your average car driver is barely able to get to their destination without having an accident. Imagine that now on 2 wheels with a fraction of the grip?

Plenty of examples where pro riders have gotten better lap times than production sportscars. Ducati 1198s has beaten a 458 italia for example.

The average rider, including myself, can't ride a supersport to it limit, never mind a superbike.

Takes a lot more skill to push a bike to its limit than cars due to traction issues. Get it wrong on a bike and it will bite you.

That's all very nice but what has it got to do with the topic of insuring an evo?...

bartbanis wrote: »

Does anyone know where I can get a reasonable quote for a Mitsubishi lancer evo 4? I Read through old posts on boards an tried a lot of them with no success.
Xsdirect - no quote
Chill - no quote
123 - no quote
FBD - no quote
nononense - no quote, to name a few.

Quote is for 29yo female 3yrs NCB Full licience 12yrs and 12yrs driving expierence.

I understand the car is difficult to insure but not even to get a quote! I'm aware I can contact the regulator but I can only imagine what kind of quote that will be!
Any help would be greatly appreciated.
Thanks

dont understand how you cant get a quoate
i pay €540 fully comp + on my 2007 focus st

Contact First Ireland? They're a broker for, among others, Kennco. It's who I'm insured with on my germanwagon.

Business Cat wrote: »

1) very little tbh. I've seen a few get through over the last few months but that was either as part of a fleet insurance policy or if the person had additional business with the company for a couple of grand, otherwise it's a very very narrow market. All I could suggest would be for people to contact some.of the larger corporate brokers like Aon, Arachas, JLT to name but 3. They may have links to some of the Lloyds syndicates that may be able cover the cars.

2) Classic / vintage insurance was started for people with "classic" cars - Austin's, Datsuns, Rolls Royces etc, ie cars that are not fit for day to day usage (generally speaking) What's happening now is that alot of people that own early to mid 90s import / performance cars think it's a loophole that can be exploited. The classic insurance policy was designed for small engined, low powered (in the main) cars. Jap imports, modified cars etc are not within this bracket therefore the classic insurance is not fit for purpose.

3) Insurance companies have their criteria and will mainly stick to it. My Dad retired in December. He had been driving a company for 40 odd years so had no bonus of his own other than on a Landcruiser he has for his farm. I spent an afternoon getting quotes for him and they ranged up to €1000 + for him and my mam. He is 61, full clean license, never made a claim in his life. After a bit of leg work I got him fully comp, full NCB protection, mother as named driver on a 2013 2l Avensis for around €370 with Aviva. The moral of the story is, shop around. Cheaper insurance is available, the market is cyclical ie some insurers will charge more than their counterparts but be cheaper in 12 months time.

Point 2 seems ridiculous. it makes no sense, it's like it's not taking the existence of time into account. like for example an R32 Datsun Skyline is 27 years old now and the original Mitsubishi Evolution isn't far behind it, the 71 series Starlet Turbo just turned 30 this year... Now i know the rule for "classic" tax status in Ireland is a rolling 30 years and these cars are coming up on this threshold hard and fast, but why would the owners of these cars, genuine enthusiasts who have nursed and minded their cars to this stage not be allowed to insure them? because they aren't as old as some older cars?

i just feel like this whole situation makes very little sense. i understood when certain things made policies more expensive, but to just start eliminating huge groups like this is terrible news for the Irish "car scene"... this is a controversial statement (on this site) but a lot of the most interesting, most exciting cars we have here are over ten years of age and Japanese and now they have all been effectively wiped out. there is nothing left for us but diesel Golfs and all they do is give people cancer. i know that's a bit of a knee jerk post but that is the reality.

i just feel like i've been screwed personally. i also think a lot of the risk assessment is absolute bull****.

personally i'm driving 9 years now. i bit the bullet as i was advised to at age 17 and took out my first policy for €3500 euro to start building my no claims, spent nearly €10k on insurance in my first 3 years on a Datsun Micra 1.0... now i earned my next 5 years NCB driving a Starlet Turbo, i'm sure you'l agree possibly the most blacklisted car there is, i've taken an insurance increase every year for the last 5 years, despite my car staying the same, my address staying the same yet i am getting older and my NCB is getting bigger, but i even tolerated that, it was worth it, somehow. So i've proven over the last 8 years that i can keep my nose clean on the roads, never so much as came onto the Gardai's radar (excuse the pun) for so much as a speeding ticket and now with 8 years NCB and the same car that i've had for the last 5 years, you're telling me i can't have it any more? something needs to be done. i'm being childish here but it is utter bull****!

So i took it off the road, said i'd put it in a shed for a few years, take it out when it's 30, but apparently there is no point as it's utterly insurance proof for the rest of time because it'l never be a turn of the century Rolls Royce befitting of a classic (not vintage) policy. this pristine example of an increasingly rare model may as well be sent to the recycling center, i can never drive it legally again.

then the real pièce de résistance , said i'd buy a "new"-er car this year to get a little bit up in the years to stand some chance of getting a policy. quoting around for a 2002 Japanese import Celica, no way, no how, no company was interested for no amount of money. i bought a 2002 UK import Celica and insured it for a shade over €500, any and every company was willing to talk and negotiate. IT IS THE EXACT SAME CAR JAPANESE MODEL vs. UK!

sorry, i'm ranting and not at you Business Cat, thanks for taking to time to post some industry insight, but it is somewhat illogical.

edit:
also, if you have time for just one more genuine question -

a previous poster in another thread made a startling observation, one that may shock you too. that nearly every (if not absolutely every) car on the island of Ireland that has ever been involved in a claim has been one on the four wheeled variety, so this must show in industry statistics; should we not look at banning four wheeled cars next as they are clearly the most accident prone kind?

i just feel, seeing as i am obliged by law to have insurance; and the last time i checked, Ireland "is a free country" so to speak so i can buy whatever vehicle i please but the same law makers that oblige me to have insurance aren't obliged to ensure i have a source for same. It doesn't have to be anything fancy, just a source of an absolute bare basics policy to meet the mandatory third party cover necessary to allow me to use the road.