How strict is the 20 year old limit on classic insurance?

T83 · 06-05-2010 11:17pm #1

....the reason I ask is I'm interested in a MK1 MX-5, and the special edition with Tan leather in British racing green was manufactured in 1991 only.

I've sent off a few emails, so I can always wait for responses, but does anybody here have experience of insuring a classic 1 year too young? Is it possible or is everything too regulated by what the computer will let them do these days?

I guess if it comes to it and I find a good one I can just buy and let it sit until next year, but summer's here and now's the time for a car like that.

galwaytt · 06-05-2010 11:43pm

....slim, I'm afraid. I've tried for years.

But I don't care.

Y'see, my '5 - 90 G reg, hits the magic number this year anyway !!

Mind you, it's not expensive to insure as a 'daily driver' anyway.

Cipher · 07-05-2010 8:28am

The policy which we provide, the proposer can be aged between 17-99.

The problem lies in the qualifying criteria in that they must hold a full driving license for a minimum of 5 years.

So even if you received your full license on the minimum age for application you would still need to be 22 before applying for the scheme.

I've gone through the policy document for Axa Classic Car Insurance but they dont list qualifying information.

Sorry about that.

deckie27 · 07-05-2010 10:12am

some places will insure a classic from 15 years

Cipher · 07-05-2010 10:21am

deckie27 wrote: »

some places will insure a classic from 15 years

Apologies, I read the subject line of the thread as the drivers age and not the age of vehicle.

In saying that Hibernian only classify classic's as pre 1988.

bonzos · 07-05-2010 10:30am

Would a 1990 Merc SL320 qualify for classic insurance?

deckie27 · 07-05-2010 1:10pm

a neighbour of mine had his 1992 saab 900 insured on a classic policy 2 years ago

spooky donkey · 07-05-2010 2:11pm

well carol nash will not insure a 91 car on classic as my brother has garaged his RS turbo now til next year as a result. He could not get his 87 and 88 cars insured by AXA as they were under 25 years old. So both companies are out for you im afraid. Im not sure who else you can go with.

T83 · 07-05-2010 2:32pm

Thanks for all the replies... well screw this recession anyway for forcing me into a soulless Japanese bar of soap for my daily commute.

I guess I might have to stick with looking for a good '89 so.... and apologies for the mix up with the thread title, I'm 27 so it wasn't about me being 20 just the car

deckie27 · 07-05-2010 3:53pm

Try First Ireland

quenching · 07-05-2010 6:47pm

deckie27 wrote: »

Try First Ireland

They insure my 16 year old Mercedes on a classic policy and don't insist on a separate "normal" policy on another car, and the classic policy continues to earn a no claims bonus. I think they're a bit selective in what makes of car qualify for classic at 15 years though.

Deadly Dave · 07-05-2010 9:55pm

I have a 19 year old car under classic insurance. I have a few classics though so that might have helped.

unkel · 07-05-2010 11:57pm

Cipher wrote: »

Hibernian only classify classic's as pre 1988.

That's pathetic to put on such a strict one size catch all limit. All insurers I have ever contacted will mark any 15 year old Porsche as classic. So that's 1995, not 1988

Cipher · 08-05-2010 3:45pm

unkel wrote: »

That's pathetic to put on such a strict one size catch all limit. All insurers I have ever contacted will mark any 15 year old Porsche as classic. So that's 1995, not 1988

Sorry Unkel, I would agree with you over the age but it's a condition with Hibernian.

How strict is the 20 year old limit on classic insurance?

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