Insuring classic car with wrong engine

D35

Hi,

I have just bought an 81 Ford Capri and Im trying it insure it but it doesn't have the original 1.6 engine in it. (2.0 lump) I have no problem paying extra I just don't want to scare them off

Im not going down the classic car insurance route as this will be the daly driver

Whats the best way to handle this ?

And the question "is the car modified". how to I tell them it has throttle bodies. Do I play dump as I'm not a mechanic??

Any advice appreciated

kev1.3s

D35 wrote: »

Hi,

I have just bought an 81 Ford Capri and Im trying it insure it but it doesn't have the original 1.6 engine in it. (2.0 lump) I have no problem paying extra I just don't want to scare them off

Im not going down the classic car insurance route as this will be the daly driver

Whats the best way to handle this ?

And the question "is the car modified". how to I tell them it has throttle bodies. Do I play dump as I'm not a mechanic??

Any advice appreciated

To be honest I'd be surprised if you'd be able to get cover on it as a daily driver, anytime I tried to insure something old I was told I couldn't. I couldn't even do a tempory transfer onto an old commercial that had a valid doe because it was more than 15 years old.

D35

Yeah they quoted alright but asked for an NCT to which I replied it doesn't need one and she checked with her manager and said an engineers report to say the car is road worthy will do

elperello

It needs an NCT. Any car after Jan 1 1980 needs an annual test.

D35

elperello wrote: »

It needs an NCT. Any car after Jan 1 1980 needs an annual test.

Fan F#%ing tastic I thought once it's vintage you don't need an Nct

How the hell do you get a 33 year old ford through and Nct

kfog

If you are using it as a daily, an annual NCT is not a bad thing, it is not as strict as a new car. Also is the new engine declared on the log book, insurance should not be an issue if this is the case and tax will still be the same.

elperello

Relax, it's not that bad!

The emission levels are less stringent on older cars for a start.

Go to the NCT website and consult the manual.

Probably best to get it road legal so you can drive to the test by getting a basic third party vintage insurance policy(about e150) and then get taxed. You will only get that if you have another car.

Check all the obvious stuff like lights, tyres, brakes, rust etc. and put it through the NCT and then do what they require.

macplaxton

D35 wrote: »

How the hell do you get a 33 year old ford through and Nct

Just like every 33 year old Ford owner in the North and over the water?

It changed to a fixed cut-off date back on 4th January 2010.

Either way you have to keep the insurer happy by showing them some paper. An "Engineer's report" is likely to cost more than €55.

When I insured my 1973 car when I moved over in 2007, the insurer was happy to see the (still in date) MOT cert. I wasn't asked again after that come renewal time.


Aside: A 14 year-old car was blocking the car park at work. The nsf wheel was at a jaunty angle, the bottom ball joint having failed and the driveshaft had popped out the box leaving an oil slick. The NCT was out by 9 months.

D35

kfog wrote: »

If you are using it as a daily, an annual NCT is not a bad thing, it is not as strict as a new car. Also is the new engine declared on the log book, insurance should not be an issue if this is the case and tax will still be the same.

New engine is not on the log book

Also the new engine isn't a ford engine

That 3rd party only insurance with no questions is looking more appealing and just load it with security

shagman

First Ireland insure classics as daily drivers.

macplaxton

(Unless they changed it). Axa didn't have an upper age limit on their standard motor policies.

shineon23

macplaxton wrote: »

Just like every 33 year old Ford owner in the North and over the water?

It changed to a fixed cut-off date back on 4th January 2010.

Either way you have to keep the insurer happy by showing them some paper. An "Engineer's report" is likely to cost more than €55.

When I insured my 1973 car when I moved over in 2007, the insurer was happy to see the (still in date) MOT cert. I wasn't asked again after that come renewal time.


Aside: A 14 year-old car was blocking the car park at work. The nsf wheel was at a jaunty angle, the bottom ball joint having failed and the driveshaft had popped out the box leaving an oil slick. The NCT was out by 9 months.

I'd take a UK MOT with a pinch of salt in comparison to an NCT in any case, but it would act as an indicator of the car's condition despite being of a different standard to the NCT.

Op is your capri the back one that was on donedeal recently old irish SI reg?

Was looking at the ad and probably would have viewed her only lack of mention of an NCT put me off it, but it looked a very good spec'd capri iirc if same car. Best of luck with her!

carchaeologist

Get it NCT tested.
Get the form from the tax office for change of particulars.
Get the engine size and number changed with that.
No issue.

Unless I'm wrong and you give the wrong details to the insurance company and you have an accident and they find out about the engine they can refuse to pay out. (I know 1.6 and 2.0 Pintos look pretty much the exact same)

Unless its a pile of rubbish the NCT won't be an issue. And Capris are some of the simplest cars to work on so repairs won't be too much hassle either.

kona

2 litre engine with throttle bodies? What engine is in it!? It's obviously putting out big power? You will have a big aul problem with the nct and that!

ianobrien

OP, you'll need NCT but I wouldn't worry too much. IIRC pre '83 there is no emission check so they'll be checking lights, brakes, suspension & body. My '77 Escort passed the NCT no problems at all.

Word to the wise, some NCT centers have staff that are more appreciative of older cars and will treat it accordingly. If you are in Cork I can recommend one or two NCT centres.

As for the engine, you'll need to get the log book updated with the new engine number. Also, when telling your insurance company, you've changed the engine for a 2.0 and also changed the induction system to suit. Only if asked for clarification on type of induction would I tell them that it's a set of throttle bodies. You have to tell them that the induction was changed when the engine was changed.

Also, have a look at Burton Power (a Ford performance parts supplier in the UK). It's dangerous to your credit card.....

ianobrien

kona wrote: »

2 litre engine with throttle bodies? What engine is in it!?

As it's a Ford with a non-Ford engine I'm guessing Cosworth KBA (or Vauxhall "Red Top" as they are more commonly known)....

D35

Yes its the Capri with the Red top engine in it. Needs a bit of work but has potential.

The guy spent 2 years putting the body right, The engine and parts are worth alot more than what I paid for the car.

I have it in a garage now with the mechanic rubbing his hands.

I guess I shouldnt worry about the NCT, I do want this car to a high standard and safe as I will have the kids in it.

Looking at this vintage club insurance 3rd party only and I could just beef up the security

hi5

Funny thing is, there's a quarterly magazine dedicated to modified retro classics here in Ireland but there doesn't seem to be an insurance company that is dedicated to covering them.
In the UK there are quite a few insurance companies covering modified classics like Adrian S Flux, Sureterm and so on..

Is there a club in Ireland for all modified classics?

Bigus

kona wrote: »

2 litre engine with throttle bodies? What engine is in it!? It's obviously putting out big power? You will have a big aul problem with the nct and that!

Why so ? Where in the NCT manual does it exclude 2 l engines on throttle bodies ?
They are only concerned with less than 1981 emmissions level which would be a doddle for anything modern.

macplaxton

shineon23 wrote: »

I'd take a UK MOT with a pinch of salt in comparison to an NCT in any case

I'd take both with a pinch of salt.

They both test a number of testable items and only tell you that those particular testable items passed at the time of the test. Also deciding a pass/fail in various elements of both tests is down to the discretion of the tester.

I wouldn't rate one above the other and nor would insurers.

kermitpwee

macplaxton wrote: »

I'd take both with a pinch of salt.

They both test a number of testable items and only tell you that those particular testable items passed at the time of the test. Also deciding a pass/fail in various elements of both tests is down to the discretion of the tester.

I wouldn't rate one above the other and nor would insurers.

The mot is way dodgier than the nct, believe me I know!

thepeck

My car is currently getting a transplant, should I not declare it on the tax book so?
Mine is pre 1980 so I don't need NCT