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Will any company insure a young driver with a car over 15 years?

  • 21-09-2016 11:46AM
    #1
    pivotman94
    Registered Users, Registered Users 2 Posts: 19 ✭


    Has anyone has any luck insuring a car over 15 years old?

    My last car was a 03 seat and I hated it. While the insurance wasn't too crazy. The car was a nightmare. Had to be repaired every few weeks, nothing but problems with it.

    I want to buy a 99 Toyota carolla 1.3. I had one as my first car before all of this over 15 years old nonsense came in and it was great never had any problems with it.

    Will any company even quote me? I am 22 with only 1 years no claims.

    If anyone knows of any good companies please let me know.

    Thanks in advance.


Comments

  • #2
    pivotman94
    Registered Users, Registered Users 2 Posts: 19 ✭pivotman94


    bump


  • #3
    zoe 3619
    Registered Users, Registered Users 2 Posts: 633 ✭✭✭zoe 3619


    pivotman94 wrote: »
    bump

    I'm insured with A.R.B on a 16 year old car,and was insured on the same car with sertus last year.might be an idea to go to a broker.


  • #4
    zoe 3619
    Registered Users, Registered Users 2 Posts: 633 ✭✭✭zoe 3619


    pivotman94 wrote: »
    bump

    I'm insured with A.R.B on a 16 year old car,and was insured on the same car with sertus last year.might be an idea to go to a broker.


  • #5
    Skatedude
    Registered Users, Registered Users 2 Posts: 2,674 ✭✭✭Skatedude


    You can get classic insurance on 15 year old cars, I have it with aig, but I dont think they would insure the toyota, they dont like jap cars as classics

    Forgot to add, you need to be over 25 years old, so the op is 22 so wouldn't work for a few more years


  • #6
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    pivotman94 wrote: »

    My last car was a 03 seat and I hated it. While the insurance wasn't too crazy. The car was a nightmare. Had to be repaired every few weeks, nothing but problems with it.

    I want to buy a 99 Toyota carolla 1.3. I had one as my first car before all of this over 15 years old nonsense came in and it was great never had any problems with it.
    .

    There might be a link between your 2 comments. Obviously, I don't know the nature of the repairs your talking about, but they could have had road safety implications, even though I'm sure you had a current NCT Cert


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  • #7
    Special Circumstances
    Closed Accounts Posts: 7,569 ✭✭✭Special Circumstances


    Sue Pa Key Pa wrote: »
    There might be a link between your 2 comments. Obviously, I don't know the nature of the repairs your talking about, but they could have had road safety implications, even though I'm sure you had a current NCT Cert

    Not sure it's my brain has gone into weekend shutdown, or if you've got the ops post backways!


  • #8
    endacl
    Registered Users, Registered Users 2 Posts: 22,438 ✭✭✭✭endacl


    Skatedude wrote: »
    You can get classic insurance on 15 year old cars, I have it with aig, but I dont think they would insure the toyota, they dont like jap cars as classics
    Most companies have become more discerning as to the difference between a classic car and an old car.


  • #9
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    Special Circumstances wrote: »
    Not sure it's my brain has gone into weekend shutdown, or if you've got the ops post backways!

    His last car was 13 years old and needed loads of repairs (presumably still had an NCT) yet he thinks insurers decision to avoid older cars is nonsense. Just raised it for discussion


  • #10
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    endacl wrote: »
    Most companies have become more discerning as to the difference between a classic car and an old car.

    Another example of a nice facility being withdrawn when it gets abused. It will also happen with driving of other cars, windscreen cover and named drivers


  • #11
    Special Circumstances
    Closed Accounts Posts: 7,569 ✭✭✭Special Circumstances


    Sue Pa Key Pa wrote: »
    His last car was 13 years old and needed loads of repairs (presumably still had an NCT) yet he thinks insurers decision to avoid older cars is nonsense. Just raised it for discussion

    Ah you're conveniently ignoring the fact the older non insurable Japanese car was more reliable than insurable one. I have you now!


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  • #12
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    Special Circumstances wrote: »
    Ah you're conveniently ignoring the fact the older non insurable Japanese car was more reliable than insurable one. I have you now!

    A poster effectively said he had an OLD shltbox that constantly needed repairs, yet, presumably, he had it NCT'd kept using it on the public road.

    Myself, I had a tank of a '99 Audi A4 that kept passing the NCT with a few tweaks. However, I felt less and less that it was as safe on the road as it should be. Luckily, I was able to afford to trade it in this year, but if I hadn't the money, I would have kept it going.

    I know I'm drifting off topic, but some people think a current NCT means they don't need to maintain their car until the next test, I was one of those people


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