Classic insurance - companies & brokers

John Dough

@ Big fella can you give us details of your vehicles just asked them for a quote on a 23yr old Renault production model petrol 2litre and awaiting reply I suppose the car has to be min 25yrs old to be classed as a classic but I heard some companies do it on younger 20+ years.

The Big Red Fella

My insured cars are 32 & 37 years old but i have a 50 year old mini & a 20 year old celica gti & they can be added to my policy!

kasper

John Dough wrote: »

@ Big fella can you give us details of your vehicles just asked them for a quote on a 23yr old Renault production model petrol 2litre and awaiting reply I suppose the car has to be min 25yrs old to be classed as a classic but I heard some companies do it on younger 20+ years.

sorry I cant help with insurance but would love to see a pic of the old reno

Edgey75

The Big Red Fella wrote: »

sure my named policies aint work related??

they would of insured me if i had been named on a company vehicle but other than that they refused point blank.
unless its due to the vehicle i want to insure being a vintage land rover thats 36 years old.

pryantcc

Hello folks, new to Boards!
I just spent the afternoon calling insurance companies. I'm trying to insure a 1971 Merc 280SE as a daily driver without a mileage limit. I'll be swapping in and declaring a 2.5 Merc diesel engine and manual 'box.

Most companies refused to quote because the calssic policies all require a primary vehicle and mileage limit.
The only company I tried who would talk to me was Axa. 587Euro fully comp, no mileage limit, including windscreen cover. I'm male, 36 and live in Wicklow. It would be the normal car policy, not a classic one. I asked about the limit of windscreen claims, they said about 500 Euro, but if I wanted the policy, we might be able to negotiate something.

I would have to provide and Engineer's certificate and certificate of roadworthiness issued by a Merc dealer on account of the engine conversion.

Edgey75

they dont like insuring pre 1994 cars here it seems and classic policys dont cut the mustard, i was point blank refused by every company for insurance on a 1977 landrover, classic policys wont insure you as a daily driver and you need another policy on your main vehicle.
i had no luck until i went to a broker who got me insurance with aviva who had refused me when i rang, its normal insurance not classic so im not limited on how i use it and will get ncb from it.
it seems that its quite rare to insure old vehicles as anything other than classic so it confuses the hell out of the companys.

your insurance is a lot cheaper than mine pryantcc but i didnt have to do the engineers report or such as its pretty much a standard vehicle, although it confused the hell out of everyone as its a "pick up" type with 7 seats and a canvas tilt and is private not comercial but also classic due to its age. the joys of importing a vintage vehicle

the_syco

have a mate in his 40's driving a 22 year old car. Insurance is Aviva, and even with his (many years of) NCD, and doing their "safe driver" course, it still works out at about €120 a month.

It'd be his daily driver, and although he doesn't want to, it looks like he'll have to get a new car at this stage. OR, does anyone know of any insurers who could give a quote for less, without too much excess?

kasper

the_syco wrote: »

have a mate in his 40's driving a 22 year old car. Insurance is Aviva, and even with his (many years of) NCD, and doing their "safe driver" course, it still works out at about €120 a month.

It'd be his daily driver, and although he doesn't want to, it looks like he'll have to get a new car at this stage. OR, does anyone know of any insurers who could give a quote for less, without too much excess?

I am in my 40s drive a 28 year old car as daily driver 300 euro third party fire and theft with fbd insurance

Flesh Gorden

kasper wrote: »

I am in my 40s drive a 28 year old car as daily driver 300 euro third party fire and theft with fbd insurance

Have you been with FBD a while?

Reason I'm asking is, I remember two or three years ago giving them a call and they almost refused me on a 14 year old car
saying that it just qualified for cover as anything past the 15 year mark wouldn't

Good to hear they've changed though, especially as we're coming into W124 territory in a few years.

kasper

Flesh Gorden wrote: »

Have you been with FBD a while?

Reason I'm asking is, I remember two or three years ago giving them a call and they almost refused me on a 14 year old car
saying that it just qualified for cover as anything past the 15 year mark wouldn't

Good to hear they've changed though, especially as we're coming into W124 territory in a few years.

only my second year with them at the start of October this year

the_syco

kasper wrote: »

only my second year with them at the start of October this year

Are you with them only for car insurance, or also for house insurance as well?

pryantcc

the_syco wrote: »

have a mate in his 40's driving a 22 year old car. Insurance is Aviva, and even with his (many years of) NCD, and doing their "safe driver" course, it still works out at about €120 a month.

It'd be his daily driver, and although he doesn't want to, it looks like he'll have to get a new car at this stage. OR, does anyone know of any insurers who could give a quote for less, without too much excess?

I'm 36 and drive a '92 190D. I have a Third Party policy with AA, but its underwritten by Axa, normal policy, not classic for 450 a year.

Tell him to call Axa.

kasper

the_syco wrote: »

Are you with them only for car insurance, or also for house insurance as well?

just the car

the_syco

the_syco wrote: »

have a mate in his 40's driving a 22 year old car. Insurance is Aviva, and even with his (many years of) NCD, and doing their "safe driver" course, it still works out at about €120 a month.

It'd be his daily driver, and although he doesn't want to, it looks like he'll have to get a new car at this stage. OR, does anyone know of any insurers who could give a quote for less, without too much excess?

Forgot to mention that it's a "2 seater convertible". Seems this may be what is making the difference!

JerCotter7

Have a 2.8L e30 but since I'm only 23 in march is there any hope of being able to get classic insurance? If not would I be able to just do it under someone else's name and drive it through my own third party extension?

Milly33

mm im beginning to loose my patience with AXA. Wanted to go for ages but was to stubborn to lets say someone else owns my car.

So one I don't really want to sign my car over to anyone would prefer to keep her in my own name but then is there anywhere I can get classic or vintage insurance without having another car?

And two if I do have to sign someone elses name of it whos best to go with. All I really need is breakdown assistance, I only drive her in and out to work and a few road trips but that's it..

mk2

Fbd €133 last year didn't have to have another car insured with them although I do now!

Milly33

Oh really I thought I tried them before and they said no. but thank you I shall ring them now and see.. Axa really are a bunch of muppets, they had me down one year for driving a VW Passat, this year after setting up a direct debit they keep sending me letters saying they will cancel my insurance as they have not got payment which they have

Kenny Logins

Milly33 wrote: »

mm im beginning to loose my patience with AXA. Wanted to go for ages but was to stubborn to lets say someone else owns my car.

So one I don't really want to sign my car over to anyone would prefer to keep her in my own name but then is there anywhere I can get classic or vintage insurance without having another car?

And two if I do have to sign someone elses name of it whos best to go with. All I really need is breakdown assistance, I only drive her in and out to work and a few road trips but that's it..

First Ireland. Limited mileage? Carole Nash too.

mk2

You need to be a member of the Irish vintage society I forgot to say that it's €25 !

Milly33

culio sure if it saved money I don't mind I was before but stopped it as she was not in good condition

Milly33

Ah just tried FBD and tis around 600 plus bad coverage really if she was in a nasty accident

Edgey75

i had some epic trouble getting a series 3 land rover insured, some companys didnt understand it wasnt a commercial vehicle others wouldnt insure it as it was over 30 years old, others wouldnt touch me, due to the regular car i drive im a named driver and not the policy holder.

my crime being i wanted to insure it as a normal vehicle so i could use it as and when i saw fit. eventually i gave up trying and went to a broker who eventually got me insurance via aviva (who had refused me already) although at a well marked up price, although this should drop on renewal.
insurance in ireland is a royal pain in the A for older vehicles especially when you compaire it to what you can get in the uk or elsewhere without the hassle and the costs.

Milly33

Oh I dealt with Aviva too that was frustrating. Spend two weeks nearly getting the quote ready for them to say sure we don't insure Vintage!! That's what I am looking for as I drive her everyday but not far. Most of them wont cover you for this though they say you either have to have another everyday use of car or just drive it every now and again..

Edgey75

thats pretty much the same as when i dealt with aviva, i did find it very amusing though that i got short term insurance off them aswell when i was picking the vehicle up and traveling home with it.

it took the brokers i used a while to find a company that would insure me on normal insurance until aviva said yes even though it was expensive, on the plus side i will also gain ncb`s.
It really must confuse the insurance companys when someone wants to drive a old vehicle as a normal vehicle rather than a classic, even the broker said its rare and thats why it took so long and so many companys were stumped, i also think they dont understand land rovers in the least bit so god knows what they make of other old vehicles.

if you have no joy with insurance companys direct try a brokers, it was my last option and the one that worked for me, also it helped me by stating i didnt want classic insurance i wanted normal insurance (as no one would touch me with classic insurance anyhow, due to the needing another car, and i tried all the comapnys given out in this thread)

Milly33

Yeah I don't understand why they think it is so strange to want to drive them as a reg car.. I don't see the point in having one unless you do drive it and they are probably better off being on the road daily.. I wouldn't change it for the world love her..

Can I ask what brokers you use if you don't mind I might give them a call and see.. Im with Axa as they seem to be the only ones but they seem to be getting worse, keep sending me letters saying I haven't paid my direct debit and I called today was told someone would come back to me, had to call again and the chap said there was no call logged for it he was sound be still tis bad form out of them

Edgey75

Milly33 wrote: »

Yeah I don't understand why they think it is so strange to want to drive them as a reg car.. I don't see the point in having one unless you do drive it and they are probably better off being on the road daily.. I wouldn't change it for the world love her..

Can I ask what brokers you use if you don't mind I might give them a call and see.. Im with Axa as they seem to be the only ones but they seem to be getting worse, keep sending me letters saying I haven't paid my direct debit and I called today was told someone would come back to me, had to call again and the chap said there was no call logged for it he was sound be still tis bad form out of them

I used a local brokers mainly so i could pop in and find out how it was going and such http://www.osheainsurances.com/

yeah customer logging seems to be a bit of a problem and the phone staff dont seem to have much clue unless its on the screen infront of them.

homingbird

FBD Classic car insurance is handled by a special branch in fbd not main office. Ring 1890 586 586

Milly33

I tried FBD but they would only cover the car at market value which showed up as €580.. I don't think so..

quenching

Milly33 wrote: »

I tried FBD but they would only cover the car at market value which showed up as €580.. I don't think so..

I had a policy with them when my '94 Mercedes W124 was crashed a few years ago, underwritten by Chartis/AIG I think. It was a "market value" policy which on a 17 year old car can vary wildly, I had its value down as €5000, the car was written off so they paid €5000 less the excess of €200. After the crash I did make sure to have my own valuation done by a classic Mercedes specialist and showed comparable quality cars for sale in the UK. They paid up promptly and without any argument. My current policy was renewed with them last week, its "market value" too and hopefully they'll be as decent about it if I ever need to claim.