Insurance on nearly classic BMW

Surreptitious

I seem to be having problems finding an insurer on a 1995 BMW. I have over 8 years no claims and am the only driver. Can anyone help?

Surreptitious

Could I use classic car insurance or do I need it to be a second car? Anyone?

Buffman

Hi, there's a boards user called Unkel who's posted about similar, I'm sure he wouldn't mind you PMing him to ask his advice. As far as I can tell, you should be ok as long as you're not driving a classic 'jap'.

unkel wrote: »

I have a 16 year old BMW 318i saloon on classic insurance. Not collectable by any standard. Not specialist and certainly not high performance. And I do NOT have a separately insured daily driver...

I am over 25 though

unkel wrote: »

Bit of an update. First Ireland will no longer do classic insurance on cars over 15 years old. Only for cars over 20 years old. Unless you are an existing classic car insurance customer. It's not their fault, they're only a broker

Autoline do insure cars over 15 years old as a classic, but they seem to charge you full insurance rates. As in €590 for a '00 BMW Z3 for a mature gentleman with full NCB who already has normal insurance on his daily car. That's not great...

biko

Have a read of the "over 15yo" car threads
http://www.boards.ie/search/submit/?subforums=1&forum=1765&query=15

Skatedude

My 97 bmw is insured as a classic through first ireland brokers with aig. Only and daily car with 6000 limited millage per year. Give them a ring.

Surreptitious

Skatedude wrote: »

My 97 bmw is insured as a classic through first ireland brokers with aig. Only and daily car with 6000 limited millage per year. Give them a ring.

They refused. Thanks though.

Surreptitious

It's looking impossible right now.

H3llR4iser

I'm starting to wonder, could insurers be brought to court for causing unnecessary pollution? The fact that many flat out refuse to insure perfectly functional, NCT'd 15 years old cars (some even refuse anything that's 10 and older) is bound to cause a lot of those perfectly useable cars to hit the scrapyard - and each one is 1.5 tonnes of metal, plastics, composites and toxic fluids needing to be disposed of...maybe the "greens" want to take a look at this? Or is it just "CO2"?

Special Circumstances

H3llR4iser wrote: »

I'm starting to wonder, could insurers be brought to court for causing unnecessary pollution? The fact that many flat out refuse to insure perfectly functional, NCT'd 15 years old cars (some even refuse anything that's 10 and older) is bound to cause a lot of those perfectly useable cars to hit the scrapyard - and each one is 1.5 tonnes of metal, plastics, composites and toxic fluids needing to be disposed of...maybe the "greens" want to take a look at this? Or is it just "CO2"?

It's 8 years now for FBD :pac: They're holding out on finding that one single unicorn customer who never drives anywhere but will pay them millions in a premium.


Every old dirty petrol scrapped is another clean diesel on the road, don't ya know? The Greens are only ecstatic/beatific I'd say.

Henry Ford III

H3llR4iser wrote: »

I'm starting to wonder, could insurers be brought to court for causing unnecessary pollution? The fact that many flat out refuse to insure perfectly functional, NCT'd 15 years old cars (some even refuse anything that's 10 and older) is bound to cause a lot of those perfectly useable cars to hit the scrapyard - and each one is 1.5 tonnes of metal, plastics, composites and toxic fluids needing to be disposed of...maybe the "greens" want to take a look at this? Or is it just "CO2"?

I think you should maybe try and take a case.

stanley1989

Just get an insurance policy that you can drive other cars on 3rd party
sign your bmw into a mates name and your covered on 3rd party

Sue Pa Key Pa

Your proposal, like your ability to use technology, is flawed

stanley1989

Sue Pa Key Pa wrote: »

Your proposal, like your ability to use technology, is flawed

Don't think so buddy it works a treat
Look into it and get back to me when you actually know what your talking about

Sue Pa Key Pa

stanley1989 wrote: »

Don't think so buddy it works a treat
Look into it and get back to me when you actually know what your talking about

I'll humour you. On what vehicle will the OP take out cover on which will give him the driving of other cars extension? (the correct technical name for what you call "on 3rd party")

stanley1989

Sue Pa Key Pa wrote: »

I'll humour you. On what vehicle will the OP take out cover on which will give him the driving of other cars extension? (the correct technical name for what you call "on 3rd party")

My god you are Mr or miss know it all
Any car It doesn't matter just a car that's easy to insure
His or her family's members car
Or go onto done deal get the reg of a 1 litre Toyota yaris insure that car and drive the BMW on 3rd party extention when it's not in his name
Job done genius

Sue Pa Key Pa

I'll leave this lad to someone else, if they're bothered

Surreptitious

Sue Pa Key Pa wrote: »

I'll leave this lad to someone else, if they're bothered

He wants me to insure a fcking random car on the internet.

stanley1989

Surreptitious wrote: »

He wants me to insure a fcking random car on the internet.

God you really are a bunch of do Gooders
What I'm saying works but sorry for even saying anything
Good day :-)

johnb25

stanley1989 wrote:

God you really are a bunch of do Gooders What I'm saying works but sorry for even saying anything Good day :-)

No it doesn't. You may have a disc, but you won't have insurance. You can't insure something you don't own, or suffer loss if it's destroyed.
Making a false declaration to the insurance company, that you own another car, also invalidates any policy.

porsche boy

Contact the insurance ombudsman.

brembo26

stanley1989 wrote: »

God you really are a bunch of do Gooders
What I'm saying works but sorry for even saying anything
Good day :-)

This is one reason why our insurance premiums are so high when it all goes wrong :rolleyes:

Surreptitious

I managed to get a decent enough quote but am going to see if I get anything cheaper. Can't believe some of the prices though.

cplwhisper

Seen 93 316?touring covered today.. 750 average but policy holder and driver both in '50's.

The mis-use of the TP D.O.C extension results in 3 in 5 claims being turned down and poor innocent person crashed into, is left out of pocket.
If you're mature enough to buy a car then insure it correctly as u'd only be fooling yourself that you're covered.