Classic insurance - companies & brokers

Silvera · 30-01-2005 9:32pm #1

Companies :

Carole Nash, Dublin. Ph 1800 930 801
www.carolenash.com/eire.asp

AXA Ireland. Ph 1890 200016
www.axa.ie/car/classic_car.html

Brokers :

First Ireland (01) 8820800
Majestic Financial Services (01) 8392026
Norton Insurance, Bray. (01) 2862592
O' Riordian Insurance, Cork. (021) 4275311
Richard Brophy Ins, Portlaoise (0502) 82130

(Please note : Most classic policies stipulate that your classic must be a 'second vehicle', i.e. you must already have a normal car insurance policy. A mileage restriction also usually applies to classic policies.)

shagman · 30-01-2005 10:04pm

I have a proposal form here for "collectors motor insurance" from hibernian
www.hibernian.ie
phone 01-6078000

Alfasudcrazy · 07-02-2005 9:39am

I have my classics with Gogans Insurance brokers - find them good

Gogan Insurances Ltd.
Email: ainedavis@gogans.ie

Gogan Insurances Ltd
Unit A5 Nutgrove Office Park
Nutgrove Avenue
Rathfarnham
Dublin 14

Telephone + 353 (0)1 299 0299
Fax + 353 (0)1 299 0298

Silvera · 07-02-2005 8:45pm

The Irish Vintage Society had the following advert in the Buy & Sell on 6th Feb. '05 -

NEW INSURANCE DEAL FOR VINTAGE ENTHUSIASTS (all vehicles pre 1980 at third party cover), Tractors €60.00, Landrovers €150.00, all cars €150.00. Join the club for €20.00 and enjoy the benefits. IVS, Inistioge, Co. Kilkenny. 087-256 8881, 056-775 8418.

lomb · 07-02-2005 9:24pm

are their any cheap classic policies where it can b ur first car, ie dont need 2 show evidence of another insured car?

Silvera · 07-02-2005 9:40pm

Not that I'm aware of. Give some of the above a call and see what they say.

shagman · 07-02-2005 11:39pm

I think AXA and first Ireland do 10'000 mile policies where the classic can be your sole car but it is dear I was quoted €845 for my 3L scimitar. The IVS policy sounds great I'll be straight onto them.

Silvera · 08-02-2005 1:47am

Glad my info is of use shagman !

Don't forget to mention where you got their details (i.e. give them the www.boards.ie address !;) )...........it may just lead to some of their members signing up to this forum - which would be great !

Silvera.

P.S. €845 for a 3 litre car (in everyday use!) doesn't sound too bad to me !

shagman · 09-02-2005 3:55am

I'm trying to work it so that I have a classic policy and a campervan policy ( I have 1 of each). Both policies require you to have a second vehicle. Have no desire to own or run a modern car. I'll let you know how I get on.

"Silvera.
P.S. €845 for a 3 litre car (in everyday use!) doesn't sound too bad to me !"

Guess I'm just a bit scabier than you ,,,,,,IVS policy at €150 sounds more like it to me!!!! Thanks for the tip.
Rang them today and yer man said I could get the policy,the form only asks whether you have a vehicle for daily use... which I do.
My van isn't a huge RV it's very like the A team van in size and will be a cushy daily driver once I finish the LPG conversion.

Paul (MN) · 09-02-2005 12:53pm

My W123 200T is only 1984 so not a classic but I am insuring it for €600 for

- normal policy, unlimited mileage
- TP only
- me 29 Full NCB, wife 29 just passed test

With AXA.

Silvera · 09-02-2005 1:20pm

Paul(MN),
I thought that your 'bus' (sorry

) would qualify for a classic policy (at least with some companies) ?

.........unless you don't want a classic policy that is ?!

Dades · 09-02-2005 1:21pm

shagman wrote:

Rang them today and yer man said I could get the policy,the form only asks whether you have a vehicle for daily use... which I do.

Hmmm. I really hope that's the case.
But I'm pretty sure if you enquired further you find you need another full policy. I hope I'm wrong though (!) and I'm going to call and get a quote for myself anyway.

I called a bunch of places yesterday and they ALL insisted that you had to have a full policy on another car. I had hoped being a named driver was enough but it appears not.

Richard Brophy gave me a non-classic quote of €744, but if there was the possibility of getting a classic quote only being a named driver I'd jump at it.

*edited to add*

Just called Carole Nash Insurance - they will allow you a classic policy as a named driver - but only on your spouse's car. Interesting (and unconstitutional perhaps?!). I'm getting married in June so at least my problem is short term (though my other problems might not be).

mannurse · 09-02-2005 6:37pm

hi, i got insurance from carole nash for a 4.2 litre jag. 580 euro , policy requires that you already have a policy for daily driving and a milage limit.. but they did not reqiure proof of either. i need to get a lpg conversion- anyone know where to get the kit?

Dades · 09-02-2005 7:10pm

mannurse wrote:

.. but they did not reqiure proof of either.

That's all well and good until you hit somebody's Bentley - and they run a check on you...

Silvera · 09-02-2005 8:05pm

I'd agree with The Atheist, if you don't have the required full policy in the event of a claim, your classic policy would probably be worthless.

mannurse,
re LPG conversion, might be worth contacting Robert Hughes Jaguar Specialist, who will be at the Classic Car Sale on 3rd April in Citywest.
(Sorry, I don't have contact details for him. Try Jaguar Club)

Hope this helps.
Silvera.

*******************************************************

P.S - Guys, please mention this site/forum when contacting clubs like the Irish Vintage Society - input from their members could really make this forum grow - and their knowledge would benefit all of us.

Silvera.

*******************************************************

mannurse · 09-02-2005 8:30pm

i totally agree, i would not recomend decieving the insurance co's as they will look for any discrepency to aviod paying out. having said that , you can still have a fairly sporty car as a daily driver without the insurance costing too much. once you have your own policy. ie- buy a cheap car with minimal insurance cost( for example a micra etc) then you can insure a fairly sporty car that is over the 25 year mark like a vw golf gti mark 1, porsche 928, 911 turbo, bmw 628.633,635- the list goes on. in general, it will work out alot cheaper- as long as you are mechanically minded. it worked out for me but i'm sure not for every one.

thanks silvera, i'll check that out

Alfasudcrazy · 10-02-2005 12:55am

mannurse wrote:

hi, i got insurance from carole nash for a 4.2 litre jag. 580 euro , policy requires that you already have a policy for daily driving and a milage limit.. but they did not reqiure proof of either. i need to get a lpg conversion- anyone know where to get the kit?

I was thinking of LPG for my recently acquired 4.2 Daimler as well so perhaps we can compare notes on same. I am a bit shocked at the high price your Jag cost to insure though. I added mine to my other classic policy (4 classics now on the one policy) I have not received any bill for additional premium yet though - im sure it won't be long - will let you know how I did

Paul (MN) · 10-02-2005 11:07am

Silvera,

The bus is a daily driver at 12,000 miles per year so a classic policy is out.

Dades · 10-02-2005 11:32am

shagman wrote:

IVS policy at €150 sounds more like it to me!!!! Thanks for the tip.
Rang them today and yer man said I could get the policy,the form only asks whether you have a vehicle for daily use... which I do.

I just called the Irish Vintage Society (mentioneds Boards.ie) and got the same question. I'm getting him to send the form and then I'll have a look at it myself. I get the feeling the fella I spoke to isn't too interested in the details of the policy, which is fine, but I'm going to make sure I'm covered. i.e. check the form and the T&Cs for a mention anywhere about a full policy.

That said, €150 fully comp - wow!

Silvera · 10-02-2005 7:12pm

"€150 full comp" - their ads says 'third party cover' ?

please keep us updated.

Silvera.

mannurse · 10-02-2005 7:42pm

Alfasudcrazy wrote:

I was thinking of LPG for my recently acquired 4.2 Daimler as well so perhaps we can compare notes on same. I am a bit shocked at the high price your Jag cost to insure though. I added mine to my other classic policy (4 classics now on the one policy) I have not received any bill for additional premium yet though - im sure it won't be long - will let you know how I did

alfasudcrazy,
i found a site in the uk that sells the lpg kits for twin carbs for 380 sterling. i'm getting the carbs tuned next week so it will be running good on petrol before i start the conversion. re insurance- they told me it will half when i'm 27. going to check out the irish vintage for 150euro.

Dades · 11-02-2005 11:05am

Silvera wrote:

"€150 full comp" - their ads says 'third party cover' ?

please keep us updated.

Silvera.

Hmmm.
The guy I spoke to was asking me about other higher quotes I had, and then said "and I bet they were only for third party." I assumed that meant his quote wasn't. That said I don't think either of us knew the details of the policy.

When I get the policy docs in the post I'll repost with the full story.

CHEERS.

shagman · 15-02-2005 12:21am

Yeah Please let me know I'm gonna ring up tommorrow and get them to send me application forms too.
As regards LPG I am in the process of fitting a kit at the moment to my 5.7Ltr chevy. I bought the kit minus tanks off ebay for €500 incl shipping and have bought 2 tanks since for €20 and €40 (I want max volume so I can fill up once a week not once a day). If you want it professionally done mountainview motors in Tallaght / blessington area (they're in the golden pages) will supply and fit a kit for €2K - €2.5K I think . I intend fitting it all myself then getting them to leak test it and give it the once over, I imagine I'll have to get some sort of test cert from them for my insurance company. Theres a bit of variety in these kits depending on what fuel injection / carb system and engine you have but if you do a search on ebay UK you should find a good deal. I did find another place in Wales that did good value kits keep an eye out for them. If theres any questions you have ask away.....

Dades · 15-02-2005 11:22am

Okay, so I got my policy document in the post...

The news isn't good for those of us hoping to avoid a second policy.

Firstly there's a question to answer - "Do you own a separate private car?"
So I thought okay - at least they're a "no" option.

But then there's a box beside this question addressing "All Drivers:" which says:

Required: Copy of your own private car insurance certificate. Engineers Report or NCT Cert - Mileage declaration - and photo of car.

So I checked the form for the company offering the rate, and gave them a call (O'Riordan Insurances Limited Tel: 021 4275311). The girl on the phone told me it was a necessity to own a second car and have a full policy on it.

Looks like (for me) anyway I'll be insuring my 33 yr old car as a main car, at least until I get hitched later in the year...

At least I'm now a member of the IVS. :rolleyes:

Silvera · 15-02-2005 8:17pm

Interesting, thanks for updating us The Atheist.

A few questions -

Regarding IVS membership, did you recieve a membership card, etc. ?

And is there any requirement for members to attend a specific number of IVS events/meetings ?

Also, what does the form say re 'agreed valuation' of a classic ?

Dades · 16-02-2005 2:08pm

Hey Silvera...

Regarding IVS membership, did you recieve a membership card, etc. ?

Yes I did - in the same envelope as the policy form. It's a small square with their logo and your name and m'ship number.

is there any requirement for members to attend a specific number of IVS events/meetings ?

There's no mention of a requirement. They did include a provisional list of events with which they are associated for 2005. (A lot of local events). I'll probably turn up for a few anyway...

Also, what does the form say re 'agreed valuation' of a classic ?

The only mention of value is in the general section where you describe the year, make, model etc. There is a box in a table labelled "Estimate of value".

On the back of the policy form is a blank "Motor Vehicle Inspection Report", with IVS logos on the top. What you are supposed to do with this I do not know. Bring it to a garage? An affiliated garage?

I can fax the form (both sides if wanted) if anyone needs a look badly - just PM me and I'll hope to get around to it.

CHEERS!

PaulK_CCI · 16-02-2005 2:21pm

The Atheist wrote:

The only mention of value is in the general section where you describe the year, make, model etc. There is a box in a table labelled "Estimate of value".

I'm afraid the concept of "Agreed value" is a bit of a red herring in Irish Classic Insurance land. It's a vital element of the policies here on the continent, because people realise there can be a bit of discrepancy between what you paid for the car and what it is worth, and what the insurance companies think it is worth!! The difference in opinion can be absolutely staggering when it comes to paying out on a claim.

So to avoid any unnessecary disappointments, I would suggest to make some solid arrangements with your insurance company on what will be paid out in the event of a total loss. Also the matter of potentially buying back the "remains" to have the car restored as opposed to the insurance company scrapping it, could be a clause you would like to have installed. This in view of cars that hold a certain "uniqueness" (as in one of the first of the series built, the last of the series built, one-offs, special sentimental values, etc)

shagman · 16-02-2005 8:41pm

Atheist... First Ireland (01) 8820800 will do a policy for you with your classic as main car with a 10'000 mile limit. You don't need to have a second modern car insured in your own name. Will cost between €650 and €850 though

depending on engine capacity.Thats for fully comp with all the trimmings though incl breakdown recovery and glass. I think after looking around this will be the policy I go for as any other one would be too sketchy and not worth it if I hit that aforementioned bentley.
As regards the vehicle inspection report I had to get one done for my Chevy camper van and they would normally like this done at a main dealers but seeing as there is no chevrolet dealers in Ireland I got it done at a local nissan dealer (Chevrol-EH? ireland were still daewoo then, and still are ...YOU CAN'T POLISH A TURD).

Can one of the gurus shift the LPG posts on this to a seperate thread maybe and we can continue that discussion there rather than intermingling topics.

Dades · 17-02-2005 10:34am

shagman wrote:

Atheist... First Ireland (01) 8820800 will do a policy for you with your classic as main car with a 10'000 mile limit. You don't need to have a second modern car insured in your own name. Will cost between €650 and €850 though depending on engine capacity.

Thanks Shagman,
I'll give a them a shout. Engine is 'only' 1608cc so hopefully they'll be kind.
CHEERS

Con9903 · 09-03-2005 11:52pm

Greetings, I have a question. I'm getting my first car this year. I'm just going to pick up any 1 litre piece of piss and get the least expensive insurance I can, not easy for a 17 year old. however if I were to go and buy a 1983 MK2 golf GTI afterwards and apply for classic car insurance, would I still be crucified insurance wise? considering I have my other car?
Any help appreciated.

Dades · 10-03-2005 3:41pm

Con9903 wrote:

however if I were to go and buy a 1983 MK2 golf GTI afterwards and apply for classic car insurance, would I still be crucified insurance wise? considering I have my other car?

I'm afraid you wouldn't even get that far.

You need to be 25 or over to get a classic insurance quote. Probably to exclude unfortunates like yourself!

At least there are some advantages to being older...

CHEERS

Con9903 · 10-03-2005 10:36pm

ah bollocks. well at least I have something to look forward to.
Cheers

latinbell · 04-04-2005 3:09pm

As I know nothing about vintage cars, except that I love my 1977 Beetle, which was a birthday present, would anyone out there possibly have any advice on getting it on the road, i.e. insurance wise... I'm 29 and on my first provisional, have no other car and a limited milage wouldn't bother me as I live in the town. Any advice would be appreciated. Cheers

Silvera · 05-04-2005 9:33pm

Hi latinbell.
Welcome to the forum!

I'd reckon that the best 'first step' for you would be to get a full licence.
This would make getting insurance - at a resonable price - much easier.

From what other people have posted in this thread, it is possible to get cover for a classic as 'an only car'.

I am also a fan of the Beetle. I have resotred a few of them and will buy another in the future.
Which gets me thinking ........ time for the first Beetle thread !

latinbell · 07-04-2005 1:51pm

Thanx Silvera

I seriously must take some refresher lessons!!!!!!!!!!!!
Beetle forum?? Great idea!!

Keep us posted

Silvera · 07-04-2005 7:15pm

No worries latinbell.

BTW, a 'Beetle thread' not 'forum'.

Oh, check out this great Irish GT Beetle website - www.thebugmeister.com

Silvera.

Silvera · 10-04-2005 8:25pm

The Irish Vintage Society now have a website, which includes prices for classic insurance cover.

www.irishvintage.net

blobert · 11-04-2005 2:43am

Those prices seem very cheap.

I want to get myself a "5 Ton Military Vehicle" and insure it for €150

rooferPete · 20-04-2005 3:03pm

Hold that thought blobert

Commercial,
Full comp,
€5000.00 valuation,
Must have engineers report and photo of vehicle,
Must have main car insurance,
Etc Etc Etc

Van 1 = €420-00

Van 2 = €315.00

Vintage club membership a must have, be real old like me

full no claims bonus on main policy, also copy of main policy document.

latinbell · 25-04-2005 2:44pm

Hi Silvera
Ha Ha Ha... Typical of me to get it wrong!!!!!!!!! Beetle thread it is then. Any news lately? My computers bn a little sick

Dades · 21-06-2005 10:33am

Just a note to say I've had my premium with First Ireland reduced.

My old spider was insured as a main driver for about €500, and I phoned them to let them know that I now had a policy on another car (for the missis). Got a letter a week later to say my annual premium was now €110, and they were refunding me the rest !! The only change to the policy was a perfectly workable 4K mileage limit. Also both my brothers are named drivers.

So yeah - talk to First Ireland!

ds20prefecture · 24-08-2005 9:47pm

Just got a quote for €620 for 10,000mile policy from first ireland. That's fully comp, wife named, 5yrs NCB, €300 excess, €400 windscreen cover, no breakdown cover. AA is an extra €19p.a. How does this compare with others? Car is a 1972 Citroën DS

beanderb4 · 02-09-2005 11:13pm

Folks,

Just got a quote to drive a classic Alfa GT Junior 1976 as my daily driver. Must do less than 10k mile per annum. Fully comp with windscreen cover and step back in bonus if involved in an accident. The cost is Euro 637. But wait for it, this is not all, that price also includes two other classics that I can use for less that 3k miles each per annum. And just to rub it in, one of my weekend classics is a 1969 2.0 Litre Spyder (convertable for you non-Italian loving heads out there). All in, three cars, one main driver and two weekend cars, total cost 637. That is less than I currently pay just for my daily driver.

Ring First Ireland guys, and get driving a classic on a daily basis!!!

Happy Driving.

Silvera · 03-09-2005 12:49pm

Well done beanderb4 - great deal !!

We've come a long way re classic insurance in Ireland since the days of (very!) restricted policies !

Muttly · 04-10-2005 12:17pm

Can anyone recommend a company that will insure a classic car thats been modified?
Also does anyone know the terms of a driver using their own insurance policy on a car insured as a classis. eg. if someone has a classic car insured would I be allowed to drive using my own policy off my own car to drive the classic? I do have driving of other cars on my policy but I'm too young to insure a classic, only 22. If someone would even name me on the policy that would be fine. I know Norton (01 286 2592) will insure me when I'm 23 but not if the car is modified, ie an engine other than the original/same type and size of original in cases where engine has been replaced due to needing it.
Incase someone is wondering is this some way of getting around insurance it is and it isn't. It is in the way we're trying to do it as cheap as possible but its not in the way that its a project myslef and my father would be doing together and it will be insured as what it is. Not as what it was. I never have and never would lie to an insurance company as you're only fooling yourself.

greg-h · 12-10-2005 9:26pm

Hello Iam only seventeen and am looking for a car. Unlike most people my age I whant a vintage car I find them beuteuful elegent and just love them.I am looking at mgb gt citroens etc but I can't seam to get insurance--ideas please any help and I would be greatfull

ds20prefecture · 12-10-2005 10:29pm

Hi Greg
I'm afraid you're fresh out of luck until you're 25. Perhaps if you got a parent, friend or sibling with a car to insure your classic and name you on it. Be aware that a lot of classic policies to not give no claims bonus - the most you'll get is a letter stating that you've had X years of claim free driving (not the same thing).

Oldmerc · 13-10-2005 10:40am

I have a 69 Merc Coupe and a first ireland policy, sole car. Only problem with the policy is when the car is being serviced, can take a few days as we all know, you can't get covered on another carm say from the garage unless that car is a classic. So my broker tells me everytime, they say they have check with first ireland.

Does this sound right ?

N

greg-h · 13-10-2005 6:51pm

Would an ordinary car insurance cover me for say a 2cv or an mgb gt. I can't understand why any one would whant to drive a starlet or corsa etc. I have that fealing I am down the creek without a paddle.

Alfasudcrazy · 21-10-2005 5:45pm

I want to buy a 1990 or 1991 Mk II Golf GTi but am finding it impossible to get any quotes for it as a classic.
As many of you probably already know I have a few classics on the one policy and was hoping to get the GTi lumped in with them but my insurance broker says no go - says it must be over 20 years old.:(
I can't be expected to wait six years to buy my GTi. By then they will all have been modified beyond all recognition.:mad:

Silvera · 22-10-2005 12:22am

I'm sure that somebody mentioned here before that they had gotten a 1990's car insured as a 'classic' - have a look back through the above posts.

.....or maybe it was mentioned in another thread ?
Definitely somebody mentioned it ........so there is hope for you yet !

Classic insurance - companies & brokers

Comments