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Car insurance for >15 year old cars

rahmalec

Could we make a list of companies that insure 15 year old cars? Luck so far is 0.
Would love if people could post any successes so we can all just go straight to the companies that will actually quote and not waste our time ...

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Wibbs

To be fair on the other side of things, I've noticed some nuance coming into it in the last few years. I drive a 22 year old car and an Integra Type R(AKA Honda Babyeater Insurance Risk 2000 ) and after a few years of insane premiums that rose rapidly from around 6-700 quid in the mid noughties up to around 2000 quid around 2014-18(they were the ones who wanted my biz, I got quotes past 4k from the ones who didn't), prices have been steadily dropping for me and this years dropped a 100 quid from last years down to now just over 700. They told me my age, NCB, no points, low mileage and long years of ownership make a big difference, whereas even five years ago that seemed to mean feck all. It was more of a general yay or nay approach, or they were pushing for a newer car and adding it as a "classic". Even then the prices were nuts. I actually don't mind high costs when they're logical and justified. I get that. It's when they appear and often are arbitrary and daft, then...

jmreire

tuxy wrote: »

You're right, he said it was a renewal.
I guess it doesn't matter which broker it was since no new customers will be getting a deal like that from them

What kind of protest and how many thousands of people would we need before there is a chance of making a difference?

It would need to be nearly on the same scale as the water protest,,,100'000 marching on Dail Eireann. The problem is that while the common denominator with the water protests, was everyone was going to be hit, basically at the same time, but with insurance, its staggered, Say everyone's motor insurance fell due in January. then you would have enough people to create a critical mass, enough to trigger protests, But as it is,when each motorist gets his quote, he suffer's alone,,,,except for venting on boards.:( Make it an election issue, either change the system of no vote !!! )

tuxy

There's probably a much larger selection of batteries now. Including some cheaper low qualities ones.

jmreire

fin12 wrote: »

Is it true batteries in new cars are not made to last like they used to. I just had to replace the battery this year in my 00 Yaris but was told it won’t be as good as the original.

That was the belief one time.....and indeed, I have heard of original batteries lasting 6 and 7 years before needing replacement.Most new batteries now will come with a guarantee, generally the more expensive the battery, the longer the guarantee. But the life of a battery will depend on it's operating condition's, and that will vary from car to car, driver to driver. Bear in mind also that the electric's ( alternator etc) may deteriorated in an older car. They say the same thing about the original tyres being better than their replacements, but the fact is, by the time the tyres need replacing, after 20,30 or 40'000 klms, the suspensions and steering will have wear and tear too.

jmreire

LillySV wrote: »

That’s why... once your car is old ya have to stay with same crowd or you’ll be fleeced

Lilly. you are going to be fleeced anyway......its what they do !!!:mad:

fin12

Is it true batteries in new cars are not made to last like they used to. I just had to replace the battery this year in my 00 Yaris but was told it won’t be as good as the original.

fin12

jmreire wrote: »

Which raises another point. Like you, my friend has a 1995 Toyota Corolla 1.3 Petrol, and has about 350'000 miles on it... car was always serviced on time, and never abused in terms of driving. It is running like a swiss clock...and has many more miles left in it. It failed it's last NCT because the headlight's were out of focus. After adjustment, passed with flying colours. Now the point I am trying to make is, why the hell are we being stampeded into changing car's so often, when obviously there is still lots of life in them? Who is pushing this agenda? Govt? ( VAT on sale's?) Banks, Credit Institutions? ( Profit's? ) Because it exists only in Ireland, as far as I know...I have never seen it in other Country's that I have been in, and i have been in quite a few. I drive 10 year old car myself, with 225'000 Klms on it, and it should be good for at least another 100'000 Klms, but once it passes to 12/13 year old mark, will I have to buy something more "Insurance /Government" friendly? And by the same token,will it mean that my car will be effectively worthless, or at the least, worth only a few hundred.And so, back to the Bank...and more debt.

Ya I agree it with u, the amount of new cars on the roads nowadays is mad.

fin12

tuxy wrote: »

You're right, he said it was a renewal.
I guess it doesn't matter which broker it was since no new customers will be getting a deal like that from them

What kind of protest and how many thousands of people would we need before there is a chance of making a difference?

Start by writing letters to ur local TD.

tuxy

NewbridgeIR wrote: »

It’s a disgrace. Why should people have to change perfectly good cars. My Corolla just passed 100,000 miles (I do about 3,000 per year and my Dad was retired when he bought it in ‘99) so good for another while yet....

Very nice, that's very low milage for the year. Still loads of them on the road but most will have 150k miles on the clock at least.
I have a 97 starlet with 175k on the clock and some parts are just starting to give trouble now. Not the engine though, that's bullet proof.

[Deleted User]

jmreire wrote: »

Which raises another point. Like you, my friend has a 1995 Toyota Corolla 1.3 Petrol, and has about 350'000 miles on it... car was always serviced on time, and never abused in terms of driving. It is running like a swiss clock...and has many more miles left in it. It failed it's last NCT because the headlight's were out of focus. After adjustment, passed with flying colours. Now the point I am trying to make is, why the hell are we being stampeded into changing car's so often, when obviously there is still lots of life in them? Who is pushing this agenda? Govt? ( VAT on sale's?) Banks, Credit Institutions? ( Profit's? ) Because it exists only in Ireland, as far as I know...I have never seen it in other Country's that I have been in, and i have been in quite a few. I drive 10 year old car myself, with 225'000 Klms on it, and it should be good for at least another 100'000 Klms, but once it passes to 12/13 year old mark, will I have to buy something more "Insurance /Government" friendly? And by the same token,will it mean that my car will be effectively worthless, or at the least, worth only a few hundred.And so, back to the Bank...and more debt.

It’s a disgrace. Why should people have to change perfectly good cars. My Corolla just passed 100,000 miles (I do about 3,000 per year and my Dad was retired when he bought it in ‘99) so good for another while yet....

Wibbs

It's no conspiracy or anything J, more people buying new cars means more tax revenue, more money going through banks and it makes the economy look more confident and healthier, so the vested interests in finance and government will be only to happy to facilitate this, even promote this consumer churn in cars and not just cars.* It's a huge part of modern western economies.

*while having the hard neck to go on about "green" issues.

jmreire

NewbridgeIR wrote: »

Frank Glennon - but as said, a renewal. Car in my family since new

Which raises another point. Like you, my friend has a 1995 Toyota Corolla 1.3 Petrol, and has about 350'000 miles on it... car was always serviced on time, and never abused in terms of driving. It is running like a swiss clock...and has many more miles left in it. It failed it's last NCT because the headlight's were out of focus. After adjustment, passed with flying colours. Now the point I am trying to make is, why the hell are we being stampeded into changing car's so often, when obviously there is still lots of life in them? Who is pushing this agenda? Govt? ( VAT on sale's?) Banks, Credit Institutions? ( Profit's? ) Because it exists only in Ireland, as far as I know...I have never seen it in other Country's that I have been in, and i have been in quite a few. I drive 10 year old car myself, with 225'000 Klms on it, and it should be good for at least another 100'000 Klms, but once it passes to 12/13 year old mark, will I have to buy something more "Insurance /Government" friendly? And by the same token,will it mean that my car will be effectively worthless, or at the least, worth only a few hundred.And so, back to the Bank...and more debt.

corcaigh1

jmreire wrote: »

Back in 2014, I bought a 2003 A6, fully NCT'd etc. The insurance then ( 2014 ) was €320. Which was average then and Ok. Roll on 2015, and new quote arrived, for €1175.00. When I asked "WHY"? I was told that the increase was based on the fact that I only had 1 year's experience with this car, and that previous driving insurance history did not count. Basically, they were treating me as a new driver...despite having 30+ NCB, and experience in driving many different make's of car.
2015 will be remembered as the year that the great insurance rip-off began.
Aided and abetted by a Govt, that sat on it's hands and did nothing to stop the insurance gouging.

F*cking hell :mad:

LillySV

NewbridgeIR wrote: »

Frank Glennon - but as said, a renewal. Car in my family since new

That’s why... once your car is old ya have to stay with same crowd or you’ll be fleeced

[Deleted User]

tuxy wrote: »

Which broker?

Frank Glennon - but as said, a renewal. Car in my family since new

jmreire

corcaigh1 wrote: »

Im with axa last two years with a 03 Audi, Full no claims mid 30's but have 3 points for speeding two years ago. Renewal las week for TPFT €1090 and when I negotiated they spun me some waffle that they stand by their quotes as they offer the best product in the market bla bla bla but we see if we can do something, comes back and says they will knock off the €90.

So they want €1000 for a 03 Audi. They can f*ck off. Im doing without a car as im not buying a newer car or paying them 1k for TPFT insurance just because I choose to drive an older but perfectly roadworthy vehicle.

Back in 2014, I bought a 2003 A6, fully NCT'd etc. The insurance then ( 2014 ) was €320. Which was average then and Ok. Roll on 2015, and new quote arrived, for €1175.00. When I asked "WHY"? I was told that the increase was based on the fact that I only had 1 year's experience with this car, and that previous driving insurance history did not count. Basically, they were treating me as a new driver...despite having 30+ NCB, and experience in driving many different make's of car.
2015 will be remembered as the year that the great insurance rip-off began.
Aided and abetted by a Govt, that sat on it's hands and did nothing to stop the insurance gouging.

jmreire

corcaigh1 wrote: »

Broker or direct? your age, points, no claims?

Yes, it seems that if you have owned the car and been insured with it continuously, you can get insurance OK ( but not with every insurance company either) which only proves that while they claim that safety issues are the reason for refusing quotes, they make exceptions. But if I bought that car from you, I doubt that I ( or any one else either ) would be able to insure it....no matter how many NCB years or experience I have.
Completely rotten system.

tuxy

Tom1991 wrote: »

I’d be very surprised that’s a new policy.I work for allianz and they won’t insure my own personal car that’s a 00.

You're right, he said it was a renewal.
I guess it doesn't matter which broker it was since no new customers will be getting a deal like that from them

LillySV wrote: »

Well we should all be protesting to the govt about this...

What kind of protest and how many thousands of people would we need before there is a chance of making a difference?

LillySV

Well we should all be protesting to the govt about this... if insurance companies are using the age as an excuse, that means they’re not recognizing the nct as proof car is safe on road , therefore the nct is pointless and people are being forced to waste their money on it

Tom1991

tuxy wrote: »

Which broker?

I’d be very surprised that’s a new policy.I work for allianz and they won’t insure my own personal car that’s a 00.

tuxy

NewbridgeIR wrote: »

Broker, 47, 0 points, 11 years no claims bonus

Which broker?

[Deleted User]

corcaigh1 wrote: »

Broker or direct? your age, points, no claims?

Broker, 47, 0 points, 11 years no claims bonus

corcaigh1

NewbridgeIR wrote: »

€585 for renewal of comprehensive policy - 21 year old Corolla. Allianz.

Broker or direct? your age, points, no claims?

[Deleted User]

€585 for renewal of comprehensive policy - 21 year old Corolla. Allianz.

corcaigh1

jmreire wrote: »

Ireland is the only Country that I know of that has an age cut off point for Insurance....and in the past that was based on fraudsters buying and insuring old cars in "Crash for Cash" scheme's. They would buy and insure the car today, and have a staged crash shortly after.
But why should that still apply today, for drivers with a long and unblemished driving history? Once the car has a valid NCT, that should be all that is required. Instead we have another reason for insurance companies to jack up the price, more gouging, plus funnelling people into changing their cars more often...and more debt.
As a justification, they roll out the story that newer cars have more safety features, and so they have, but that does not mean that they are twice as safe as car's built 15-20 years ago. Air bags which reduce impact injuries are not new, they have been around a long time, first introduced in the 1970's. Ditto, power assisted brakes and steering, also widely available even in 40 year old cars.
All a price gouging racket.

Im with axa last two years with a 03 Audi, Full no claims mid 30's but have 3 points for speeding two years ago. Renewal las week for TPFT €1090 and when I negotiated they spun me some waffle that they stand by their quotes as they offer the best product in the market bla bla bla but we see if we can do something, comes back and says they will knock off the €90.

So they want €1000 for a 03 Audi. They can f*ck off. Im doing without a car as im not buying a newer car or paying them 1k for TPFT insurance just because I choose to drive an older but perfectly roadworthy vehicle.

jmreire

Greyfoot wrote: »

Is this still a thing? I mean what can one expect when buying say an 05 golf with decades of ncb and experience being a 40years old foreigner? I guess the latter would still drive the premium up? And what's the story with this 15years old or older cars cut off? I mean what's the mechanical difference between an 05 Audi and an 07 Skoda, they both rolled down from the same factory line?

Ireland is the only Country that I know of that has an age cut off point for Insurance....and in the past that was based on fraudsters buying and insuring old cars in "Crash for Cash" scheme's. They would buy and insure the car today, and have a staged crash shortly after.
But why should that still apply today, for drivers with a long and unblemished driving history? Once the car has a valid NCT, that should be all that is required. Instead we have another reason for insurance companies to jack up the price, more gouging, plus funnelling people into changing their cars more often...and more debt.
As a justification, they roll out the story that newer cars have more safety features, and so they have, but that does not mean that they are twice as safe as car's built 15-20 years ago. Air bags which reduce impact injuries are not new, they have been around a long time, first introduced in the 1970's. Ditto, power assisted brakes and steering, also widely available even in 40 year old cars.
All a price gouging racket.

Greyfoot

Is this still a thing? I mean what can one expect when buying say an 05 golf with decades of ncb and experience being a 40years old foreigner? I guess the latter would still drive the premium up? And what's the story with this 15years old or older cars cut off? I mean what's the mechanical difference between an 05 Audi and an 07 Skoda, they both rolled down from the same factory line?

Cork Trucker

My brief discussion with a Barrister, if i'm wrong i'm wrong, no problem.

https://twitter.com/CorkTruckDriver/status/1206572626463854595

fin12

SCOOP 64 wrote: »

Was that quote over the phone, because i tried with my 98 Astra last year wouldn't quote because of age unless things have changed.

Ya it was over the phone.

emo72

Eggs For Dinner wrote: »

Read the detail, not the headline

I've read the whole article. What's the point you are making?