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Car insurance for >15 year old cars
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Moderators, Science, Health & Environment Moderators, Society & Culture Moderators Posts: 60,170 Mod ✭✭✭✭
Join Date:Posts: 59098
+1 on trying Chill. They seem to have a dept/broker on board for older cars and they've been fine on my 98 Jap import, though raised the premium this year. Not by much, pretty much exactly by the same amount as the insurance "refund" earlier last year. I had the feeling that would only be resting in my account...
From what I gathered older driver, no points or claims and owning the car for a while seem to be factors. Rejoice in the awareness of feeling stupid, for that’s how you end up learning new things. If you’re not aware you’re stupid, you probably are.
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+1 on trying Chill. They seem to have a dept/broker on board for older cars and they've been fine on my 98 Jap import, though raised the premium this year. Not by much, pretty much exactly by the same amount as the insurance "refund" earlier last year. I had the feeling that would only be resting in my account... From what I gathered older driver, no points or claims and owning the car for a while seem to be factors.
im with BOI for my 98 Astra, coincidence same us you gone up the same amount as the the insurance refund earlier in year , must want it back with older cars:)0 -
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+1 on trying Chill. They seem to have a dept/broker on board for older cars and they've been fine on my 98 Jap import, though raised the premium this year. Not by much, pretty much exactly by the same amount as the insurance "refund" earlier last year. I had the feeling that would only be resting in my account... From what I gathered older driver, no points or claims and owning the car for a while seem to be factors.
Just did: quoted me €593.....Ode To The Motorist
“And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road”
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Thanks for the reply.Can you/have you added a second named driver during the quote process? Often adding a partner or friend who never drives car can help.
Beware driving car regularly as a named driver. If you crash its your father's car and insurance policy and he will have a claim, not you. You also don't build up much own named driving experience.
Where will car be parked overnight? Any owners house or your house? If not at father's house might not be legit.
Yes, I can add a second named driver and see if that makes a difference.
Yes again, I would not really like to use with fathers insurance and me named for those exact reasons!
Do you really need this car or would another, cheaper to insure car do until you build up your own named no claims history. E.g. get a less than 10 year old small engine car or ask insurer to recommend what to buy.
It sound like you use your bike daily now, do you need a car or just something with cheap tax/insurance/low depreciation?
I do not need this car no, it would be a nice to have that would make everything a bit easier. There may be cheaper to insure cars but I'm "buying" this car from my father - we have an arrangement that would not be possible with other private sale.
I sold my bike for financial reasons a few months ago. This car will make a fantastic difference to daily life over the next year for a variety of reasons not just daily driver, but as above, is not a necessity.
Did you try ring a few brokers and go through all the questions and ask for advice?
Yes, a few. The main advice from brokers was to go to underwriters directly, but no luck so far, its still early in the day sure
Insurers are assessing the risk of you claiming with 0 no claims bonus and a cheap/free car.
The reason (when given) on rejections so far is solely the age of the car, not driver experience or any other factor. Easier to discuss and confirm over the phone of course but that is the feedback I am getting so far.0 -
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LARGElittle wrote: »Thanks for the reply.
Yes, I can add a second named driver and see if that makes a difference.
Yes again, I would not really like to use with fathers insurance and me named for those exact reasons!
I do not need this car no, it would be a nice to have that would make everything a bit easier. There may be cheaper to insure cars but I'm "buying" this car from my father - we have an arrangement that would not be possible with other private sale.
I sold my bike for financial reasons a few months ago. This car will make a fantastic difference to daily life over the next year for a variety of reasons not just daily driver, but as above, is not a necessity.
Yes, a few. The main advice from brokers was to go to underwriters directly, but no luck so far, its still early in the day sure
The reason (when given) on rejections so far is solely the age of the car, not driver experience or any other factor. Easier to discuss and confirm over the phone of course but that is the feedback I am getting so far.
On the Axa quote specify the max number of years continuous you can prove.6yrs gets you 65% ncb scale, 7 = 70% and if 8 then you’ll meet max 75% scale.
Higher % = lower quote0 -
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