Classic insurance - companies & brokers

Working class heroes · 10-01-2020 2:12pm

henjin wrote: »

UPDATE: only insurer that quoted now was Autoline , 410Eur with 5000miles limit private use and cant be driven between 10pm-6am. My own commercial insurance for my daily was accepted. Feels very limited what i can do with this vehicle. In the process writing the governing body Insurance Ireland that i cant get proper insurance...according to a broker they will asign an insurance company that has to insure the vehicle and do a case study...i might not like the price tag...but i try everything! I really wonder how those vintage food trucks are insured for example...

Here’s a suggestion.

Transfer ownership of hiace to wife.
Wife takes out classic insurance on hiace as she already has a main policy.
Wife adds you as a name driver on classic insurance.

deckie27 · 10-01-2020 5:42pm

henjin wrote: »

cant be driven between 10pm-6am...

WOW

first time I heard that one

Dr Dave · 10-01-2020 7:20pm

Titzon Toast wrote: »

That sounds like a load of nonsense to me. Who are you to judge what is and isn't a "proper classic"?
I think it's a generational thing. People want the cars that were hot when they were growing up.
For me, that's hot hatches, fast Fords and 80s & 90s JDM cars.
Things move on and tastes change.

I agree.
It's whatever you reminisce about and brings joy to you and a smile to your face on a jaunt. Most of the "modern classics" I have in the shed, which I hope will see road sometime, I would drive long distance. Fiat Coupe 20VT. Alfa 916 GTV & Spider, Cinquecento Sporting, Boxy Panda 750cc.
But none of these are on the Carole Nash / Axa Insurance list.

If you want to put restrictions on peoples classics, how about only those who can repair and maintain the cars themselves - true motorists.
Don't think that would go down well, nor should it.

kaizersoze · 10-01-2020 9:21pm

deckie27 wrote: »

WOW

first time I heard that one

Needs to be garaged overnight. They consider overnight between those hours but they don't mean you cant drive it. Just that it can't be parked in the drive. That's my interpretation of it anyway.

I'm after going through all the policy documents and there is no mention of the garaged overnight restriction but it was detailed on the phone to me.

henjin · 11-01-2020 12:44am

henjin wrote: »

I am on DAY2 trying to find insurance for my freshly imported japanese van 1998 4x4 Toyota Hiace Pick-up Firetruck.
Has 8000Km on the clock...looks like it came out of the factory yesterday and took 10min to get its DOE last week.
And now i am devastated that i cant find insurance for it.
Glad i found this forum here, which gives me some hope for tomorrow.
From the looks of it i have to play "the classic insurance" card with Autoline...even though i would like to have a commercial own goods insurance. Anyhow im 38 of age 8years no claims bonus. Have a commercial insurance with my run around van. I am a named driver on my wifes car and we have a campervan insurance . Any thoughts are much appriciated, thanks.

picture of the truck:
https://ibb.co/4MwGnCm

UPDATE NO.2: Just in case it might be of interest to someone one day that will be in the same situation as me. I gladly can say now, that my 22year young japanese import got commercially insured with AXA for the same price as the classical insurance with Autoline...what a relieve..i just got my life back....its worth sometimes to ring an insurance company twice. safe driving everyone!

Titzon Toast · 11-01-2020 2:13am

Dr Dave wrote: »

I agree.
It's whatever you reminisce about and brings joy to you and a smile to your face on a jaunt. Most of the "modern classics" I have in the shed, which I hope will see road sometime, I would drive long distance. Fiat Coupe 20VT. Alfa 916 GTV & Spider, Cinquecento Sporting, Boxy Panda 750cc.
But none of these are on the Carole Nash / Axa Insurance list.

If you want to put restrictions on peoples classics, how about only those who can repair and maintain the cars themselves - true motorists.
Don't think that would go down well, nor should it.

Yep, you were right to stash all of those away imho. If I had any decent storage space I'd have loads of 90s cars squirreled away myself.

kadman · 11-01-2020 1:19pm

Will they ever introduce a multi car policy to cover my daily plus all my classics
under the one policy.............or am i away with the fairies:rolleyes::rolleyes:

macplaxton · 11-01-2020 6:30pm

kadman wrote: »

Will they ever introduce a multi car policy to cover my daily plus all my classics
under the one policy.............or am i away with the fairies:rolleyes::rolleyes:

Nope, but you could move over the water where they do such a thing :pac:

Dr Dave · 12-01-2020 12:07am

macplaxton wrote: »

Nope, but you could move over the water where they do such a thing :pac:

Whats that I hear you say?
Lack of real competition resulting in cartels is it?

macplaxton · 12-01-2020 1:44pm

You might say so, but I couldn't possibly comment..

Putting aside the absolute cost (because we all know how dirt cheap classic insurance in the UK is, and if you don't, you're better off not knowing). When I had one car on a policy there it was price x. When I later added a second, it happened to be still price x. The ins and outs of the policy, market changes and adding other cars meant that at a later stage it had 5 over 20 yo cars (age range of those 5 being 20 to 43) and was about x + 90%. So over about 15 years we arrive at premium y not quite doubled.

The classic scheme maxed out at 5 vehicles with this insurer (unlimited mileage), but the multicar scheme could take any number. The premium for 6 was about y + 50% with a 10k pool limit (and optionally x + 100% for unlimited miles). Later a 7th car was added along with a 2nd additional driver (~4% + admin). Half way through the year an 8th car was introduced to the pool (but despite being 23 yo wasn't a classic to the underwriting gods) and incurred an additional fee to the end of the policy of another 50% of y. Still very reasonable, still one policy, but relatively hefty that 1/8 of the pool accounts for 1/3 of the cost.

It'd be handy to have that product flexibility here.

Dr Dave · 12-01-2020 7:57pm

10 years ago or so, I had a policy with CN on my X1/9 at the time. If I remember correctly, up to 5 cars could be on the policy and two drivers; for what was handy money. I was kind of hoping to repeat this again, but I assume it ain't going to happen this time. Still, we live in hope.

revoke12 · 15-01-2020 5:11pm

Anyone know who could/would insure a jap nissan 180sx import? Tried carole nash, autoline, adrian flux campion to no avail im 29, they said i have to be 30 Autoline and rest said wont insure a nissan. I had a twincam insured few years back with Autoline so thought I would be ok.

Marlow · 16-01-2020 11:57am

revoke12 wrote: »

Anyone know who could/would insure a jap nissan 180sx import? Tried carole nash, autoline, adrian flux campion to no avail im 29, they said i have to be 30 Autoline and rest said wont insure a nissan. I had a twincam insured few years back with Autoline so thought I would be ok.

Some of the clubs will insure you as a named driver on the policy, if the main holder is 30 years old. The problem with that is, that those policies are third party only and only cover you for shows etc.

But not being 30 is a real issue these days.

Autoline used to insure 25 and up, but if you didn't keep your policy up with them, then you lost out there when it changed.

Beyond that, the only way to insure it now and until you are 30 is taking out a normal policy or trade/part-time trade. Both which will be complicated and costly.

/M

revoke12 · 16-01-2020 1:35pm

Marlow wrote: »

Some of the clubs will insure you as a named driver on the policy, if the main holder is 30 years old. The problem with that is, that those policies are third party only and only cover you for shows etc.

But not being 30 is a real issue these days.

Autoline used to insure 25 and up, but if you didn't keep your policy up with them, then you lost out there when it changed.

Beyond that, the only way to insure it now and until you are 30 is taking out a normal policy or trade/part-time trade. Both which will be complicated and costly.

/M

Its a balls i had autoline 3 years ago on a twincam and now rang and not a go at all rang all the usual and rang few others and still no go. Im panicking now have rang approx 15 diff crowds today to even get a quote nothing.

marcos_94 · 26-01-2020 10:45am

So I’m looking at getting a 2000 Audi TT under a classic policy. There’s a only a couple of them for sale at the moment. Would any of the classic insurers insure a 2001 or 2002? I know they can be quite rigid but would any of the insurers have a bit more flexibility?

RR3.5 · 26-01-2020 11:37am

For correct information it is best to check with the insurance providers, as they appear to work on a case by case basis . Imo

revoke12 · 26-01-2020 11:41am

marcos_94 wrote: »

So I’m looking at getting a 2000 Audi TT under a classic policy. There’s a only a couple of them for sale at the moment. Would any of the classic insurers insure a 2001 or 2002? I know they can be quite rigid but would any of the insurers have a bit more flexibility?

For classic car has to be 20 years old as that’s the criteria for classic so you won’t get any classic on a 18 or 19 year old car there very strict on that also you need another car insured on the road for classic once you have those 2 things they will insure

marcos_94 · 26-01-2020 11:49am

revoke12 wrote: »

For classic car has to be 20 years old as that’s the criteria for classic so you won’t get any classic on a 18 or 19 year old car there very strict on that also you need another car insured on the road for classic once you have those 2 things they will insure

Have a daily and another classic and was sure that it was at least 20 years but was hoping that maybe one of the insurers would be a bit more lenient and allow a 19 year old car

Testacalda · 27-01-2020 10:08am

marcos_94 wrote: »

… was hoping that maybe one of the insurers would be a bit more lenient and allow a 19 year old car

FBD do it on a case by case basis. Was at a talk that was given by one of the guys in charge of the vintage insurance in FBD. While they obviously gave no hard and fast rules, it seems to depend on their perception of the car, for instance they would probably cover an MX5 if it wasn't of age yet, but possibly not a Skyline, WRX etc...

It also depends on the person, ie: what age they are, whether they have other classics insured already, have a policy with FBD already and whether they are a member of an established club or not.

Plus if enquiring, call the Mullingar office, that's where the classic team is based, and don't go though a broker.

marcos_94 · 27-01-2020 11:02am

Testacalda wrote: »

FBD do it on a case by case basis. Was at a talk that was given by one of the guys in charge of the vintage insurance in FBD. While they obviously gave no hard and fast rules, it seems to depend on their perception of the car, for instance they would probably cover an MX5 if it wasn't of age yet, but possibly not a Skyline, WRX etc...

It also depends on the person, ie: what age they are, whether they have other classics insured already, have a policy with FBD already and whether they are a member of an established club or not.

Plus if enquiring, call the Mullingar office, that's where the classic team is based, and don't go though a broker.

Thanks for that advice! I will; give the Mullingar office a ring today and see what they say. Would make it a lot easier for me to find an Audi TT if they allowed a 2001!

29-01-2020 10:31am

Hi there, can anyone give an update of which (if any) classic insurers currently entertain the notion 'modifications' ? (minor ones e.g. improved brakes, suspension rather than v8 engine swap)
Thanks!

marcos_94 · 29-01-2020 12:30pm

Testacalda wrote: »

FBD do it on a case by case basis. Was at a talk that was given by one of the guys in charge of the vintage insurance in FBD. While they obviously gave no hard and fast rules, it seems to depend on their perception of the car, for instance they would probably cover an MX5 if it wasn't of age yet, but possibly not a Skyline, WRX etc...

It also depends on the person, ie: what age they are, whether they have other classics insured already, have a policy with FBD already and whether they are a member of an established club or not.

Plus if enquiring, call the Mullingar office, that's where the classic team is based, and don't go though a broker.

Called FBD and was put through hell to get information. Was then told they only do Vintage policies (30+ years old) and was told there is nothing they can do. This was chatting to their Mullingar office after chasing them for 3 days. Useless really for what should have been a 5 minute call to ask about eligibility.

Will give First Ireland a call later today as they were much more helpful when discussing an Audi TT and they knew more about the car itself to understand the limited number of 2000 reg cars available.

Harcrid · 29-01-2020 1:06pm

I called FBD myself last week and the only policy they could give me (on a 1978 MGB) was for driving the car to and from Classic car shows, but when I asked if it covered social use such as going for a drive on a sunny day they said no way. Ended up going with Carole Nash with a 5000km a year limited policy which was more than enough for me.

pachanco · 30-01-2020 5:34am

MrCostington wrote: »

I finally took out my first policy yesterday. Living in Dublin, wanted to be able to commute to work nice days, and don't have a garage but do have underground parking. My experiences:

Liberty - just tried online as have daily with them, website said no

Axa - waiting on a callback

Brophy insurance - €440 fully comp but no commuting

Campion * - no commuting, i ended call there

Autoline - no commuting and need garage, underground no good

Carol Nash - need garage

First Ireland (AIG) ticked all boxes and €310 fully comp, 4,000 miles p/a

FBD - on the advice here I went into the Drumcondra office - ticked all boxes and €200 fully comp, no milage limit as such but he put down 10-15k, so I did it there and then and got my cert there.

* just seen from post above that Campion are brokers for FBD so no idea what they said no commuting. I asked thet question twice in FBD and was told it was ok to do so occasionally.

Not sure if not having a garage would have been a problem is getting TP only, or if living elsewhere.

PS I told the guy in FBD about the advice I've seen here and he was very interested! Gave me few cards to give out at shows so he won't mind me putting his details here - Gavin @ FDB Drumcondra 01 428 2266 and he said should be no problem to arrange over phone

A lot of recommendations for FBD Classic policies on here lately...

I just had a quick look at the website and I'm not sure if the cover being offered verbally in branch matches up with the small print of the policy documents?

Can anyone who has taken out a classic policy with fbd lately confirm whether the policy document restricts drivers to vintage show and display only?

Thanks

https://www.fbd.ie/car-insurance/vintage-classic-cars/

Are there any restrictions on cover?
This product is suitable for occasional vintage show and display use. You will need to tell us if your vehicle is used for any other purpose.
It’s possible for cover to be restricted to third party only. If this applies to you it will be noted on your policy documents.
In the event of an accidental damage claim, you’ll need to pay us the excess amount noted in your policy schedule.
We may choose to make a payment, repair, replace or reinstate losses and will retain any remaining salvage value.
A no claim discount (NCD) does not operate under our Vintage Motor policy.

Harcrid · 30-01-2020 10:43am

See my experience with FBD in the post above yours

Harcrid wrote: »

I called FBD myself last week and the only policy they could give me (on a 1978 MGB) was for driving the car to and from Classic car shows, but when I asked if it covered social use such as going for a drive on a sunny day they said no way. Ended up going with Carole Nash with a 5000km a year limited policy which was more than enough for me.

farna_boy · 30-01-2020 6:15pm

marcos_94 wrote: »

So I’m looking at getting a 2000 Audi TT under a classic policy. There’s a only a couple of them for sale at the moment. Would any of the classic insurers insure a 2001 or 2002? I know they can be quite rigid but would any of the insurers have a bit more flexibility?

I have my 2002 Audi TT insured with Carole Nash as a classic. It was fairly reasonable too.

They were the only ones who would insure it as a classic when I went looking (September last year) so it's not as if I had much options but it was within my budget.

marcos_94 · 30-01-2020 6:30pm

farna_boy wrote: »

I have my 2002 Audi TT insured with Carole Nash as a classic. It was fairly reasonable too.

They were the only ones who would insure it as a classic when I went looking (September last year) so it's not as if I had much options but it was within my budget.

Interesting to hear. First Ireland quoted me for a 2000 Audi tt but it was 400 for the year (6,000 mile limit) as Im only 26 and this affects it they said. Do you mind me asking what age you are or even are you similar age to me?

pachanco · 30-01-2020 8:31pm

Harcrid wrote: »

See my experience with FBD in the post above yours

Thank you Harcrid, I had read about your experience and back a good few pages before posting. I would still be interested to hear from anyone who has taken out a policy with them lately. Reading back on previous posts, some customers are being told they can commute to work on the policy, whereas you were told you can only drive to classic car shows.

My past experience from dealing with Classic insurance on my MGB roadster is that you can ask the same question to two different people in the same company and get two completely different answers.

Has anyone got their classic policy documents from FBD to hand. Their "Vintage and Classic" policy documents are quite vague when it comes to the detail of the policy.

https://www.fbd.ie/car-insurance/vintage-classic-cars/

https://www.fbd.ie/media/FBD/pdf/Vintage-Motor-Policy.pdf

Territorial Limits
In respect of events occurring anywhere within:-
(a) Ireland, Northern Ireland, Great Britain, the Isle of Man or the Channel Islands
(b) Other European Union Member States
(c) Designated Areas [The Countries that the E.U. Commission is satisfied that
arrangements have been made to meet the requirements of Article 7(2) of the E.E.C.
Directive on insurance of civil liabilities arising from the use of motor vehicles (No.
72/166/CEE)] the full indemnity in force under the Policy as specified under “Cover
Operative” on the Schedule applies.

Limitations as to Use
As per Certificate of Insurance on Issue

Description of Drivers
As per Certificate of Insurance on Issue

farna_boy · 30-01-2020 8:38pm

marcos_94 wrote: »

Interesting to hear. First Ireland quoted me for a 2000 Audi tt but it was 400 for the year (6,000 mile limit) as Im only 26 and this affects it they said. Do you mind me asking what age you are or even are you similar age to me?

That's funny, I'm fairly sure I tried them and they refused and I'm 10 years older than you.

I ended up with paying about €400 with Carol Nash in the end with a similar mileage limit.

marcos_94 · 30-01-2020 8:52pm

farna_boy wrote: »

That's funny, I'm fairly sure I tried them and they refused and I'm 10 years older than you.

I ended up with paying about €400 with Carol Nash in the end with a similar mileage limit.

Yeah first ireland said it was a strict 20 year limit so would entertain a 2001/2002 TT. At least they quoted me! Going to see what Carole Nash day. If they aren’t interested I might use switching my other classic over to first ireland and seeing if that helps them bring the price down!

macplaxton · 30-01-2020 9:16pm

marcos_94 wrote: »

Yeah first ireland said it was a strict 20 year limit so would entertain a 2001/2002 TT.

They're using some strange calendar then...

Rosser · 31-01-2020 2:54am

I have an X19 with FBD and have had a Mini and 2 Audi 100 before that. The only criteria I know of is that you have an ‘every day’ car, don’t have to be a club member but you will get a discount if you are (I’m IVS), you have ‘social & pleasure’ so the Sunday spin is 100% ok. I’ve always been happy with them, lads on the phones know their stuff, think the Fiat was €200 for comp.

I read back over a few exchanges here and you can see the people trying to game the system which makes insurers tighten the rules to the detriment of the community...pi*ses me off. Autoline must have had their fingers burnt because they’re much more particular than before.

Rows Grower · 31-01-2020 8:27am

I have a vintage policy and it states "covers social, domestic and pleasure use as standard (including use for show and display).

Elsewhere on the policy it states under "restrictions", 1. This product is suitable for occasional vintage show and display use. You will need to tell us if your vehicle is used for any other purpose.

When I was getting the quote I told them I wanted insurance for myself and my wife and we would be driving it usually on a Sunday, maybe the odd other day.

I can't imagine anyone would want a policy that only specifically insures you to drive to and from vintage shows.

Seweryn · 31-01-2020 9:31am

Rows Grower wrote: »

I can't imagine anyone would want a policy that only specifically insures you to drive to and from vintage shows.

Surely not. Imagine a car being driven a few times per year. Very bad for the car's engine, brakes, cooling system, etc.

pachanco · 31-01-2020 9:23pm

Thanks for the replies. I guess maybe the basic policy that they are offering only entitles you to use for Vintage show and Display use and then if you tell them you want to use for Social Domestic and Pleasure as well, then they charge a bit extra on top for that.

_ptashek_ · 05-02-2020 12:51am

Interesting that Carole Nash explicitly require a garage. The policy wording (see "restrictions" fragment from my own policy) doesn't seem to require it, and only requires that the car be kept in a garage when unused, if you state you have one.

Dr Dave · 06-02-2020 3:19pm

Just got off the phone with FBD.
Went through the number on the classic page (01 7617617) and it put me through to the main office.
Normally they only do 25+ years, but my 1999 Alfa Spider (916) was looked on as a genuine classic and not an everyday car.
I'm 50 so age wasn't mentioned.
5,000 miles limit. Seemed to be quite loose and vague on use, I mentioned bringing it to work the odd time - fine as long as it is not every week.
€225 fully comp. €200 TPF&T, €160 TP.

Happy with that! Not really worth the effort of phoning around at that price.

Car should be here sometime next week

Tzardine · 12-02-2020 8:47am

Has anybody been able to get an agreed value with insurers other than autoline?

It's almost time for me to renew, currently with Autoline and have an agreed value. Want to shop around but the agreed value is a necessity.

Value is not massive - only 5000. Would I be expected to jump through loads of hoops to prove the value - autoline just accepted it.

Testacalda · 12-02-2020 9:19am

Chubb do agreed value, but not necessarily going to be cheaper than autoline if it's just the one car

Dr Dave · 12-02-2020 9:20am

Not that I actually tried, but not with FBD.
I told them a value of €4k, but the value would be decided by them if a claim is made as normal for a standard policy.

Bus Boy · 12-02-2020 3:39pm

Like its been already said, Chubb are fantastic in this department. Best in the business.

2011abc · 15-02-2020 7:59pm

Can I get a Suzuki Cappucino 1993 insured as mileage limit free/daily driver ? Yay or nay ?Ta.

RobAMerc · 15-02-2020 8:33pm

2011abc wrote: »

Can I get a Suzuki Cappucino 1993 insured as mileage limit free/daily driver ? Yay or nay ?Ta.

It might be an issue with some of them, simply because its a Japanese car.
Autoline and FBD wont have an issue with it.

JabbaTheHut · 15-02-2020 11:06pm

2011abc wrote: »

Can I get a Suzuki Cappucino 1993 insured as mileage limit free/daily driver ? Yay or nay ?Ta.

Not sure with the daily driver bit. I'm with FBD and the policy covers Vintage and Show Display only. No mention of a mileage limit.

macplaxton · 16-02-2020 2:15am

2011abc wrote: »

Can I get a Suzuki Cappucino 1993 insured as mileage limit free/daily driver ? Yay or nay ?Ta.

Yay. Get three knock-backs and head off to the declined cases committee.

https://www.insuranceireland.eu/consumer-information/general-non-life-insurance/declined-cases-agreement

_ptashek_ · 18-02-2020 12:08pm

Tzardine wrote: »

Has anybody been able to get an agreed value with insurers other than autoline?

It's almost time for me to renew, currently with Autoline and have an agreed value. Want to shop around but the agreed value is a necessity.

Value is not massive - only 5000. Would I be expected to jump through loads of hoops to prove the value - autoline just accepted it.

Carole Nash do agreed value policies. I've one with them for quite a bit more than 5k. Sent them a folder of 50 A4-size images from the restoration project, and they issued a policy about a week later, and didn't require any additional validation or valuation.

However, they may require an official club valuation or send their own valuer, depending on car (probably if it's something odd or rare). That's what I was told at the time.

And the nice bit is, they do multi-car policies, where one can be agreed value, the other market value.

Titzon Toast · 28-02-2020 7:07pm

RobAMerc wrote: »

It might be an issue with some of them, simply because its a Japanese car.
Autoline and FBD wont have an issue with it.

Do FBD insure Japanese cars? I've heard Autoline have changed their terms and won't insure anything under 25 years old as a classic anymore.
My policy with them is up for renewal next month.

pachanco · 29-02-2020 1:54am

Titzon Toast wrote: »

Do FBD insure Japanese cars? I've heard Autoline have changed their terms and won't insure anything under 25 years old as a classic anymore.
My policy with them is up for renewal next month.

Are you sure that change with Autoline applies to existing customers or is it just new customers trying to take out a policy that will be affected?

I'm not an expert on insurance matters, but I thought once you had a policy with them that they have to keep insuring you.

RR3.5 · 29-02-2020 11:31am

Titzon Toast wrote: »

Do FBD insure Japanese cars? I've heard Autoline have changed their terms and won't insure anything under 25 years old as a classic anymore.
My policy with them is up for renewal next month.

[ring Autoline and get the facts

Titzon Toast · 29-02-2020 8:40pm

pachanco wrote: »

Are you sure that change with Autoline applies to existing customers or is it just new customers trying to take out a policy that will be affected?

I'm not an expert on insurance matters, but I thought once you had a policy with them that they have to keep insuring you.

I'm not sure at all tbh. I'm just going by what I'd heard recently. Hopefully they keep me on their books anyway.

Classic insurance - companies & brokers

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