Classic insurance for young drivers?

BEASTERLY

Hi Folks,

I'm 18, have a full license and have been a member of my local classic car club for the last two years. My father has a 79 2 door Range Rover but no longer has the time to drive it. I have decided I would like to bring it out on club runs over the summer. The only problem I am having is insurance. Most companies have minimum age limits of 25 for classic insurance.

As a genuine enthusiast I would be very frustrated if I had to put my hobby on hold for 7 years and to see the lovely machine not being utilised and showed off. Does anybody know of any company that would insure me, an 18 year old, full licensed, club member?

Dades

You simply won't get a classic policy at 18. You may get on as a named driver, or on the Rangey on a extortionate regular car policy.

Can't see any other way around it, tbh. There's nowhere that will entertain an 18 yr old on a classic while charging another 18 yr old a grand to drive a Micra.

corktina

even if you could get Classic Insurance, it would be extremely expensive at your age. Probably the only way for you to get cover is for your Father to Insure it with you as a named driver, but still will be expensive.

In short, the Insurance Companies have seen every trick in the book pulled to get cheap insurance for a young driver.

BEASTERLY

Ok, thanks for the info guys.

BEASTERLY

Out of interest, do UK classic insurance companies take a similar view?

macplaxton

^^^^ Why? Thinking of moving? If I was a younger man, I would.

MrFoxman360

if you have a normal car insured yourself, you can often get a third party extention on your policy, that insures you to drive a car registered to some one elses name. Its 3rd party cover only though and you'll have to ask about rerstrictions on it, particularly about the age of the vehicle you want to be covered on, but it is a handy and legal way around the issue.

hi5

^ One usual restriction is that it can't be owned by a family member.

Deminiman

Try carole nash ins, they insured me on a vintage car at 19 no problems.

MrFoxman360

hi5 wrote: »

^ One usual restriction is that it can't be owned by a family member.

Oh right, my one has no restrictions at all, depends on the company really. It would be useless for a lot of people if that restriction was imposed as its normally the mam, dads, brother or sisters cars that people want to drive

Milly33

Sorry if you have already, but have you enquired in AXA about their options.. Or The Irish Vintage Society see what they say, I know tis harder when you are younger but they might be worth trying

I'm 21 and have my own main car (Audi A7) . Would it possible to get classic insurance on my second car (1973 MGB Roadster) at my age or will I have to wait until I'm 25?

m.mac

i have been trying for classic insurance aswell. Have tried pretty much every company and no one will give unless you are 25. I think it was AXA that it is 23. I was trying to get insured in in a 1.3 and they still would.
I asked one of the guys and it is to stop young drivers getting classic insurance in a Jap import and big engine cars

Esel

MrFoxman360 wrote: »

if you have a normal car insured yourself, you can often get a third party extention on your policy, that insures you to drive a car registered to some one elses name. Its 3rd party cover only though and you'll have to ask about rerstrictions on it, particularly about the age of the vehicle you want to be covered on, but it is a handy and legal way around the issue.

A late reply, I know, but just seeing this as thread was recently bumped.

Only (major) problem with your idea is road tax.

To tax it, the 'registered owner' has to give insurance details. If these details are fictitious, and you have an accident driving it resulting in a claim is made against you, you can be sure that your insurance company are going to investigate the issue further.

Drive it without tax, and you risk it being seized and you could end up stranded on the roadside far from home....

My post is not about whether your 'driving other vehicles' extension requires the 'other vehicle' to have a current insurance policy in force, by the way.

MrFoxman360

Esel wrote: »

A late reply, I know, but just seeing this as thread was recently bumped.

Only (major) problem with your idea is road tax.

To tax it, the 'registered owner' has to give insurance details.

Well if the OP's Dad was to have a classic insurance policy on it in his name there would be no issue, he would have a policy number to put down on the tax form, (although there is ways around it )

It will have to be registered in Dads name anyway for the 3rd party extentsion to work, and this way it will still work out way cheaper as it would just be the price of a normal classic policy, and the 3rd party extension is normally free.

Of course if there is a family member restriction there still may be an issue, but I personally have never heard of that