Normal insurance on an older car

ClearlyQuentin

I really need help with this, I notice people have insurance on older cars(when I say older cars I mean 1990-1995, not classic). I'm 19 right now but I really want to get insured on an older car, I have a full license but only 1 years NCB, I don't mind waiting a little bit more time but I'm just wondering what insurance companies would be the best to get a quote on because I've been looking online and filling in details with higher NCB and an older date of birth but I still can't seem to get a quote. I'm not looking for classic insurance either, just standard comprehensive or third party fire and theft. Do I need to wait till I'm a lot older with more NCB or is it possible within the next 2-3 years and if so what insurance company should I be going with.

Alanstrainor

You're better off talking to a few brokers for that kind of business, pick a car that you possibly want to buy on donedeal, and then look for a few quotes. You'll find it difficult regardless, but you should get a bit further on the phone.

antodeco

Its going to be tricky and expect a higher than normal exuberance for the privilege too!

As Alanstrainor said, ring brokers. Have a look at Brittons or First Ireland.

ClearlyQuentin

Ok I'll ring around, thank you.

smash

I'd be all for adding a premium to the pump in order to cover third party insurance and motor tax with a stipulation that the vehicle has a valid NCT. That way you pay every time you're on the road. If you want more than third party, then you can engage with an insurer. At least people could get their cars covered no matter what the age is, as long as it's been classified as road worthy by an NCT centre.

Mac0783

ClearlyQuentin wrote: »

I really need help with this, I notice people have insurance on older cars(when I say older cars I mean 1990-1995, not classic). I'm 19 right now but I really want to get insured on an older car, I have a full license but only 1 years NCB, I don't mind waiting a little bit more time but I'm just wondering what insurance companies would be the best to get a quote on because I've been looking online and filling in details with higher NCB and an older date of birth but I still can't seem to get a quote. I'm not looking for classic insurance either, just standard comprehensive or third party fire and theft. Do I need to wait till I'm a lot older with more NCB or is it possible within the next 2-3 years and if so what insurance company should I be going with.

It's the age of the car that's the problem. I am over 30 and a have full NCB, been driving since I was 17. I had a 1999 reg. car and last year trying to get insurance on it was difficult, my current insurer had to quote it but a lot wouldn't as it was over 15 years old. It's a pain, I would suggest like the others, ringing companies or going with a broker. I was with Brittons when I was younger and found them cheaper

eskerman

I’ve 40 years driving experience - on claims - no points and I’ve driven all sorts of cars over the years - I’ve a 2001 Citroen Xantia - immaculate NCTd and I can’t get a quite below €1100 for TPFT - it’s a scam

phormium

Very difficult to get insurance on an older car, most you see are probably owners who have been with the same insurer for years as it's difficult switch as the car gets older. I drove old cars for years but was never able to move from existing insurer, eventually when it got to 17 yrs old even my current insurer was bumping up the cost so had to go for much newer.

It's an shame as some older cars can be in great shape but statistics is apparently what the insurers are looking at and they don't have the same safety features newer ones do.

eskerman

phormium wrote: »

Very difficult to get insurance on an older car, most you see are probably owners who have been with the same insurer for years as it's difficult switch as the car gets older. I drove old cars for years but was never able to move from existing insurer, eventually when it got to 17 yrs old even my current insurer was bumping up the cost so had to go for much newer.

It's an shame as some older cars can be in great shape but statistics is apparently what the insurers are looking at and they don't have the same safety features newer ones do.

Well its smacks of price gouging and it seems the NCT test is irrelevant on older cars if insurers can take that sort of position - its all rigged and lots of people are quite happy and safe in older and well maintained cars.. its disgusting behaviour by insurers who wont give valid reasons why premiums are cranked up on older very usable cars