Advertisement
If you have a new account but are having problems posting or verifying your account, please email Niamh on [email protected] for help. Thanks :)
New AMA with a US police officer (he's back!). You can ask your questions here

TT on classic insurance

  • 29-02-2016 12:24pm
    #1
    Registered Users, Subscribers Posts: 4,780 ✭✭✭ hometruths


    I'm looking for a second car for occasional use and was thinking of getting a 15 year old classic.

    Does anyone know if an Audi TT is likely to qualify for classic car inusrance? Has anyone tried?

    My understanding is companies will consider cars over 15 years old but not just any car.


Comments

  • Registered Users Posts: 269 ✭✭ Lellostag


    schmittel wrote: »
    I'm looking for a second car for occasional use and was thinking of getting a 15 year old classic.

    Does anyone know if an Audi TT is likely to qualify for classic car inusrance? Has anyone tried?

    My understanding is companies will consider cars over 15 years old but not just any car.

    Generally speaking I think the car needs to be 20 years old to qualify for classic car insurance. Call a few classic car insurers and see what they say.


  • Registered Users Posts: 2,676 ✭✭✭ Skatedude


    Lellostag wrote: »
    Generally speaking I think the car needs to be 20 years old to qualify for classic car insurance. Call a few classic car insurers and see what they say.

    nope 15 years or older for most insurance companies


  • Registered Users Posts: 1,245 ✭✭✭ swarlb


    Skatedude wrote: »
    nope 15 years or older for most insurance companies

    Are you saying that a 2001 Fiat Punto is now considered a 'classic' for insurance, but a 2005 Fiat Punto might not get a quote from some insurance companies because it's 10 years old ?


  • Registered Users Posts: 9,059 ✭✭✭ Kenny Logins


    Skatedude wrote: »
    nope 15 years or older for most insurance companies

    Depends on the marque/model.


  • Registered Users Posts: 2,676 ✭✭✭ Skatedude


    swarlb wrote: »
    Are you saying that a 2001 Fiat Punto is now considered a 'classic' for insurance, but a 2005 Fiat Punto might not get a quote from some insurance companies because it's 10 years old ?

    Only from an insurance perspective, a car isnt really considered a true classic in ireland until it's 25. but I'm not complaining as I am insured with my AIG classic insurance on my 97 bmw 840 for 400 a year.

    to qualify for classic insurance, you need to be over 25, the car needs to be 15 or older and limited to yearly millage of 6k.


  • Advertisement
  • Registered Users Posts: 9,059 ✭✭✭ Kenny Logins


    Skatedude wrote: »
    Only from an insurance perspective, a car isnt really considered a true classic in ireland until it's 25. but I'm not complaining as I am insured with my AIG classic insurance on my 97 bmw 840 for 400 a year.

    to qualify for classic insurance, you need to be over 25, the car needs to be 15 or older and limited to yearly millage of 6k.

    It's 30 years for classic tax.

    A Punto might not be accepted as a classic at all by some insurers (until 30 years). Many Japanese cars aren't either.


  • Registered Users Posts: 2,676 ✭✭✭ Skatedude


    It's 30 years for classic tax.

    A Punto might not be accepted as a classic at all by some insurers (until 30 years). Many Japanese cars aren't either.

    As he said, cars are generally considered classics at 25, but not allowed to tax it as such till it's 30. But i've been insuring 15 year or older cars as classic with AIg, Allianz and Axa over the years, but different insurance companies have different rules so all you can do is ring around or better yet, go through a broker.

    I woudn't consider a punto as a classic car, but the insurance company often dont care about the model, just the age and usally it has to be fairly stock, no modified racers


  • Registered Users Posts: 6,031 ✭✭✭ lomb


    LIGHTNING wrote: »
    Funny I am being refused "normal" insurance on my TT at the moment. Getting mad quotes all due to the fact she turned 15 the year. Sigh! On the plus the classic is getting used a load more until I get that sorted

    Was it insured prior to it turning 15?


  • Registered Users Posts: 629 ✭✭✭ Tommyboy40


    I'd recommend First Ireland. Easy people to deal with and offer 2, 4 & 6K mile limit. They also offer occasional business use and are sensible about what counts as a classic. I have a W140coupe, R129 and 2 x W124 insured for under €500. I'm paying as much to insure the other car, a Smart for2


  • Registered Users Posts: 12,533 ✭✭✭✭ galwaytt


    Autoline will insure a TT on classic if you have a daily driver already.

    Don't scrap it !!

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



  • Advertisement
  • Registered Users Posts: 12,533 ✭✭✭✭ galwaytt


    It's 30 years for classic tax.

    A Punto might not be accepted as a classic at all by some insurers (until 30 years). Many Japanese cars aren't either.

    Indeed; Carole Nash won't cover my 1990 MX-5. They told me it is because it was a 'mass produced car'. And a W123 isn't ? Or an Austin Mini ? Or a MkII Escort ? FFS.. :mad:

    But guess what was the first car inside the door at the RDS classic car show in the Simmonscourt recently........?...yep, a 1990 MX-5....... :rolleyes:

    The whole thing is a joke. :mad: :mad:

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



  • Registered Users Posts: 9,059 ✭✭✭ Kenny Logins


    galwaytt wrote: »
    Indeed; Carole Nash won't cover my 1990 MX-5. They told me it is because it was a 'mass produced car'. And a W123 isn't ? Or an Austin Mini ? Or a MkII Escort ? FFS.. :mad:

    But guess what was the first car inside the door at the RDS classic car show in the Simmonscourt recently........?...yep, a 1990 MX-5....... :rolleyes:

    The whole thing is a joke. :mad: :mad:

    Beetle. :pac:


  • Registered Users Posts: 1,881 dceire


    Tommyboy40 wrote: »
    I'd recommend First Ireland. Easy people to deal with and offer 2, 4 & 6K mile limit. They also offer occasional business use and are sensible about what counts as a classic. I have a W140coupe, R129 and 2 x W124 insured for under €500. I'm paying as much to insure the other car, a Smart for2

    Do you require a 'daily driver' main car with First Ireland?

    I can't see it anywhere on their website, in the T&C's etc, for their classic car cover. Just that the car must be more than 20 years old. I'm looking to buy/insure a 1990 BMW but am struggling to get anyone to even quote me. Most classic policies seem to require that you have a main car too. I live in the city and cycle most places, I have no need for two cars and couldn't really afford two either.


  • Registered Users Posts: 629 ✭✭✭ Tommyboy40


    dceire wrote: »
    Do you require a 'daily driver' main car with First Ireland?

    I can't see it anywhere on their website, in the T&C's etc, for their classic car cover. Just that the car must be more than 20 years old. I'm looking to buy/insure a 1990 BMW but am struggling to get anyone to even quote me. Most classic policies seem to require that you have a main car too. I live in the city and cycle most places, I have no need for two cars and couldn't really afford two either.

    You do actually. They're flexible about age though


  • Registered Users Posts: 1,881 dceire


    Tommyboy40 wrote: »
    You do actually. They're flexible about age though

    Does anyone insure cars of this age as a main car? Classic car policy or otherwise?


  • Registered Users Posts: 629 ✭✭✭ Tommyboy40


    dceire wrote: »
    Does anyone insure cars of this age as a main car? Classic car policy or otherwise?

    I ran a 5.0 V8 for 4 years as my daily driver on normal insurance. I now do 4k in each car every year


  • Registered Users Posts: 1,881 dceire


    Tommyboy40 wrote: »
    I ran a 5.0 V8 for 4 years as my daily driver on normal insurance. I now do 4k in each car every year

    Who were you insured with? Was it a classic policy or just a normal motor policy?


  • Registered Users Posts: 2,676 ✭✭✭ Skatedude


    I used first ireland to get my classic insurance, but they are only the brokers and my insurance is actually with allianz, and it's my only and daily driver so you dont need to have a regular car.


  • Registered Users Posts: 1,881 dceire


    Skatedude wrote: »
    I used first ireland to get my classic insurance, but they are only the brokers and my insurance is actually with allianz, and it's my only and daily driver so you dont need to have a regular car.

    Sounds promising :) I must check with them on Monday. I was reading all their T&C's and couldn't see any reference to the need for a second car; I just figured as most classic policies seem to require one. Thought that's what TommyBoy40 said in his reply above too.


  • Registered Users Posts: 33 granville


    Same here - I had a Stag insured through First Ireland as my only car.
    Found them great to deal with.


  • Advertisement
  • Moderators, Category Moderators, Motoring & Transport Moderators, Regional East Moderators Posts: 58,907 CMod ✭✭✭✭ unkel


    On the phone to First Ireland this morning and they would insure a '99 - '01 TT for me on a classic policy :)

    "Wind is Ireland's oil" - An Taoiseach, 25/05/2022



  • Registered Users Posts: 629 ✭✭✭ Tommyboy40


    dceire wrote: »
    Who were you insured with? Was it a classic policy or just a normal motor policy?

    I had a normal policy through AXA.


  • Registered Users Posts: 1,881 dceire


    Tommyboy40 wrote: »
    I had a normal policy through AXA.

    Yea, I spoke to an AXA guy at the motorbike show in the RDS last year and he said they cover older cars, think they've stopped this practice recently enough though. First Ireland actually quoted me for the BMW as a main car, only €321 too :D


  • Registered Users Posts: 629 ✭✭✭ Tommyboy40


    dceire wrote: »
    Yea, I spoke to an AXA guy at the motorbike show in the RDS last year and he said they cover older cars, think they've stopped this practice recently enough though. First Ireland actually quoted me for the BMW as a main car, only €321 too :D

    I have no connection with them but I've found them to be so easy to deal with. I stayed with AXA for an extra year as I couldn't believe that the deal First Ireland offered didn't have a catch


  • Registered Users Posts: 6,031 ✭✭✭ lomb


    I've a 02 TT roadster and a main car. Are there restrictions on mods with classic cover? I've a body kit.


  • Moderators, Category Moderators, Motoring & Transport Moderators, Regional East Moderators Posts: 58,907 CMod ✭✭✭✭ unkel


    lomb wrote: »
    I've a 02 TT roadster and a main car. Are there restrictions on mods with classic cover? I've a body kit.

    You need to clarify your situation. I can only guess: you have a main car on a normal policy and you've just bought an '02 TT (modified) and you want to get insurance on a classic policy for the TT?

    "Wind is Ireland's oil" - An Taoiseach, 25/05/2022



  • Registered Users Posts: 6,031 ✭✭✭ lomb


    Yes I had my Tt since 2011 but replaced it with a e89 28i a year and a half ago but still have the Tt. Id like to get her back on the road. It was always modified and I informed the current insurer of this and they were happy with it . I can still swop back to the Tt but I'd have to sell the e89. Also they won't let me swap back as the Tt has no nct but I was thinking of paying a guy to tow it there. Should pass no sweat as minimal miles since last Nct. Would Autoline insist on an nct first?


  • Registered Users Posts: 2,676 ✭✭✭ Skatedude


    lomb wrote: »
    I've a 02 TT roadster and a main car. Are there restrictions on mods with classic cover? I've a body kit.

    I had a aftermarket body kit on my 93 bmw 740 and first ireland knew and said it didn't make any difference,


  • Registered Users Posts: 19,305 ✭✭✭✭ alastair


    lomb wrote: »
    Yes I had my Tt since 2011 but replaced it with a e89 28i a year and a half ago but still have the Tt. Id like to get her back on the road. It was always modified and I informed the current insurer of this and they were happy with it . I can still swop back to the Tt but I'd have to sell the e89. Also they won't let me swap back as the Tt has no nct but I was thinking of paying a guy to tow it there. Should pass no sweat as minimal miles since last Nct. Would Autoline insist on an nct first?

    Got covered on a ‘01 TT yesterday with Autoline. They didn’t ask about an NCT, but it’s got one, so maybe they could see that on a database? Asked was it modified alright.


  • Advertisement
  • Registered Users Posts: 6,546 ✭✭✭ Agricola


    lomb wrote: »
    Yes I had my Tt since 2011 but replaced it with a e89 28i a year and a half ago but still have the Tt. Id like to get her back on the road. It was always modified and I informed the current insurer of this and they were happy with it . I can still swop back to the Tt but I'd have to sell the e89. Also they won't let me swap back as the Tt has no nct but I was thinking of paying a guy to tow it there. Should pass no sweat as minimal miles since last Nct. Would Autoline insist on an nct first?

    Doubt it. Have had afew cars with with Autoline and they've never mentioned the NCT. They are more hung up on recording the mileage!


Advertisement