TT on classic insurance

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.

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.

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

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 ?

Kenny Logins

Skatedude wrote: »

nope 15 years or older for most insurance companies

Depends on the marque/model.

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.

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.

Skatedude

Kenny Logins wrote: »

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

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?

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

galwaytt

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

Don't scrap it !!

galwaytt

Kenny Logins wrote: »

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:

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:

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.

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

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?

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

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?

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.

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.

granville

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

unkel

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

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.

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

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

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

lomb

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

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?

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?

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,

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.

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!