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Classic Insurance on 16 Year Old car

  • 29-05-2014 7:52pm
    #1
    wotzgoingon
    Registered Users, Registered Users 2 Posts: 14,309 ✭✭✭✭


    Hi can I get classic insurance on a 16 year old car? And is tax any different or the same?
    Hopefully Cleveland HP see's this as I know he has a few classic cars.


Comments

  • #2
    projectgtr
    Registered Users, Registered Users 2 Posts: 2,462 ✭✭✭projectgtr


    Simple answer, Insurance yes tax no


  • #3
    wotzgoingon
    Registered Users, Registered Users 2 Posts: 14,309 ✭✭✭✭wotzgoingon


    projectgtr wrote: »
    Simple answer, Insurance yes tax no

    Who is the cheapest for classic insurance. i.e which company?


  • #4
    Neilw
    Registered Users, Registered Users 2 Posts: 3,795 ✭✭✭Neilw


    wotzgoingon wrote: »
    Who is the cheapest for classic insurance. i.e which company?

    Nobody here can answer that question, you'll just have to ring around for quotes. I'm with axa myself and am happy with their prices and service.

    Tax doesn't reduce until the car is 30 years old, nct is yearly unless the car is pre 1980 then it's exempt.


  • #5
    corktina
    Closed Accounts Posts: 17,733 ✭✭✭✭corktina


    You'll struggle to get cover on an 1998 I'd say. I tried for my 2000 and no joy

    You'd need a main car on the road and insured before they'd entertain you and be over 25


  • #6
    ljpg
    Registered Users, Registered Users 2 Posts: 241 ✭✭ljpg


    most insurance companies that offer classic policys stipulate that the car is to be 20 years old or older,you also must have another vehicle full time on the road and be over 25, campion use to cover cars 15 years old and older but the changed there underwritter a xmas and now there the same at the rest of them


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  • #7
    Gumbo
    Moderators, Society & Culture Moderators Posts: 40,339 Mod ✭✭✭✭Gumbo


    My mate was offered classic insurance on any car over 10 years old with Axa aslong as he had a main daily driver insured with them too.

    Classic policy had a limited mileage clause too.


  • #8
    corktina
    Closed Accounts Posts: 17,733 ✭✭✭✭corktina


    kceire wrote: »
    My mate was offered classic insurance on any car over 10 years old with Axa as long as he had a main daily driver insured with them too.

    Classic policy had a limited mileage clause too.

    Your mate is lying ! I enquired about my 2000 Mondeo with Myles O'Reilly (classic car head honcho at Axa) and he said he has a 2000 Alfa and couldn't even get Classic Insurance on it himself.


    (I'm sure that should be "lieing" but my spellchecker won't agree with me)


  • #9
    kuro2k
    Registered Users, Registered Users 2 Posts: 578 ✭✭✭kuro2k


    Champion insurance will give you a classic policy on a 16 year old car if its a porsche or unusual merc / bmw

    They will only offer 3rd party


  • #10
    corktina
    Closed Accounts Posts: 17,733 ✭✭✭✭corktina


    kuro2k wrote: »
    Champion insurance will give you a classic policy on a 16 year old car if its a porsche or unusual merc / bmw

    They will only offer 3rd party

    see post 6


  • #11
    wexie
    Closed Accounts Posts: 7,480 ✭✭✭wexie


    Try Carole Nash, but like some others, you'll need a daily driver and it's third party only


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  • #12
    tossy
    Registered Users, Registered Users 2 Posts: 9,593 ✭✭✭tossy


    What's the car OP ?


  • #13
    djimi
    Registered Users, Registered Users 2 Posts: 13,237 ✭✭✭✭djimi


    Maybe Im wrong, but 16 year old cars dont strike me as classics! The idea that my old 98 1.4 Civic would qualify for classic insurance just seems very odd to me...


  • #14
    Gumbo
    Moderators, Society & Culture Moderators Posts: 40,339 Mod ✭✭✭✭Gumbo


    corktina wrote: »
    Your mate is lying ! I enquired about my 2000 Mondeo with Myles O'Reilly (classic car head honcho at Axa) and he said he has a 2000 Alfa and couldn't even get Classic Insurance on it himself.


    (I'm sure that should be "lieing" but my spellchecker won't agree with me)

    I'll confirm with him today but I was with him when he made the call. I just assumed it was axa as his current disc says axa on it. He turned around straight away and said an 03 E39 M5 was covered under the policy!

    This guy wouldn't be even into cars as much as me so he would have no reason to lie. It was based on having a caddy on commercial policy as his main car if that made any difference.


  • #15
    wexie
    Closed Accounts Posts: 7,480 ✭✭✭wexie


    djimi wrote: »
    Maybe Im wrong, but 16 year old cars dont strike me as classics! The idea that my old 98 1.4 Civic would qualify for classic insurance just seems very odd to me...

    old...classic, I guess it's very much open for interpretation and perhaps best discussed over a few pints.

    (personally I happen to agree with you though, very few, if any, 16 year old cars would be considered classics in my book. Future classics certainly, but for the moment just old)


  • #16
    mullingar
    Registered Users, Registered Users 2 Posts: 5,340 ✭✭✭mullingar


    16 year old car is too young.

    I have a 16 year old GS300 with 150k miles in every day use and as far as I'm concerned its just broken in.


  • #17
    wotzgoingon
    Registered Users, Registered Users 2 Posts: 14,309 ✭✭✭✭wotzgoingon


    The only reason I am trying to get classic insurance is for the cheap insurance and it's not even a classic car in my eyes either.


  • #18
    corktina
    Closed Accounts Posts: 17,733 ✭✭✭✭corktina


    wotzgoingon wrote: »
    The only reason I am trying to get classic insurance is for the cheap insurance and it's not even a classic car in my eyes either.

    and the reason you won't get it is because he Insurance Companies are wise to this. You aren't the first one to try.


  • #19
    Cleveland Hot Pocket
    Registered Users, Registered Users 2 Posts: 5,193 ✭✭✭Cleveland Hot Pocket


    I've my 1998 truck insured with Campions as a classic.
    It was taken out last year, so it would have been 15.

    The guy I bought it off had it insured as a classic with autoline.co.uk (broker) when it was 10 years old.

    There are companies that offer classic insurance from 10+ years old, but you'll need to look around. 15+ is easier to get - even the likes of FBD/AXA sometimes quote for that. Another that would quote for 15 years + (but only on certain private cars, and no trucks :P ) was First Ireland.


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