Classic Car as First Car?

dceire

I turn 18 in may a want to get a car & start driving. I've had a moped for the last 2 years but now I'm sick of getting wet and cold all the time but at the same time the cost of car insurance is unbeliveable.

A friend of the family gave us a Ford Escort MK2 which used to belong to her father, it wasn't running but it only needed a new starter. Oher than that it just needs one or two little things done to it and some spots of surface rust sorted out.

I want to get insured on it but have been told that you need a full licence and have to be over 25 years old. Is there any chance of me getting classic insurance or even just getting cheaper insurance?

green-blood

nope

classic insurance wont touch you until 25 and you will have to prove you have insurance on another car first...sorry.

best thing to do is get insured on something crappy, liek a 9 year old micra, for 6 months and then try and transfer the policy to the escort.

gom

Tick the FEMALE box on your insurance. If you have an accident and the insurance company refuses to pay because they believe that you are in fact a male. Ask them to prove it and that you believe gender is a state of mind. It would be an excellent test case and you would have the full support of the feminist lobby.... NOt to mention cheaper insurance

dceire

green-blood wrote:

nope

classic insurance wont touch you until 25 and you will have to prove you have insurance on another car first...sorry.

best thing to do is get insured on something crappy, liek a 9 year old micra, for 6 months and then try and transfer the policy to the escort.

Any chance of getting my Dad to insure it & then being a named driver?

Interceptor

dceire wrote:

Any chance of getting my Dad to insure it & then being a named driver?

Affordable insurance is a scandal in this country - the named driver route is well-travelled but generally you won't get cover on a dedicated classic policy unless you have a 'main car' as well - try Carole Nash and failing that buy an '88 Micra for €80 and run it for a year to get an insurance record before transferring to the newly restored, pristine Escort...

'c

dceire

Interceptor wrote:

try Carole Nash and failing that buy an '88 Micra for €80 and run it for a year to get an insurance record before transferring to the newly restored, pristine Escort...

'c

How will this help? I'll have to fork out €3000 to insure an €80 micra WTF! its a 1.3 escort so if I do as you suggest, I presumel it cost even more to insure the escort?

damo605

Realistically, I reckon, the only way is to get insured under your da's policy for the moment (on his current car) and be really nice to him so he'll let you borrow it (And don't wrap it or else!).... This will stand to you 'cause I'm sure the ins companies give you a year's NCB for every two years as a named driver - Best job after a few years then is find a nice chick (make sure she's good looking) and name her under your policy and it'll drag your premium down (I'm a fierce sensible driver with big saloon cars and putting me g/friend on my policy took 400 euros off it and she drives like a bleedin' nutter - had a Celica, and now an FTO, ins companies haven't a clue)!! Find a way to beat that insurance system if ya can and the best of luck to you ;-)
What ever way you go be sure it's safe and sideways.....

dceire

Cheers for all the advice. I don't think that my dad will ever let me be insured on his policy, so I think I'm just going to buy a little 1l mini and shell out the €3000 blood money to the insurance company, I might even give that AXA Tracksure thing ago it will probably stop me from being stupid behind the wheel and help me build a NCB.

Looks like my grant money will come in useful after all

Merrion

Get a summer job in the UK, do an intensive driving course there and get your license, come back and swap it for a full irish license and you should see your insurance quote much lower.

shagman

Now thats a good idea , a friend of mine was in Oz for her year out and swapped her Irish provisional for an Aussie licence and then swapped back when home for a full Irish (licence not breakfast).
It was swapped in a post office of a small town out in the boondicks they equated Irish republic with provisional .....been readin books on the ra and got a bit confused maybe