Classic insurance - companies & brokers

pachanco · 29-02-2020 9:37pm

https://www.autoline.co.uk/car-insurance/classic-vehicle-insurance/

What factors impact you getting a classic policy
It’s important to note that there are some factors to take into account before applying for classic car insurance:

Driver Age - Policyholders have to be over 25, although some higher performance and imported vehicles will require drivers to be 30 plus.
ROI Residents - A vehicle has to be 20+ years if you are a resident of the Republic of Ireland.
NI Residents - A vehicle has to be over 20 years; although consideration will be given to vehicles at 15 years on a bespoke basis.

Senor Frog · 01-03-2020 5:20pm

Hi all ,

Does anybody know of a classic insurer that doesn't stipulate no commuting in their policy ?

Read an old thread here from 2016 and it someone stated that "first Ireland" do an optional add on to their classic policy of "Increase my cover to include occasional travel to business meetings." . Has anybody availed of this or know of a similar cover level offered elsewhere?

I have a daily driver , but do on occasion want to be able to drive my classic to work ...

Thanks

marcos_94 · 01-03-2020 9:15pm

Senor Frog wrote: »

Hi all ,

Does anybody know of a classic insurer that doesn't stipulate no commuting in their policy ?

Read an old thread here from 2016 and it someone stated that "first Ireland" do an optional add on to their classic policy of "Increase my cover to include occasional travel to business meetings." . Has anybody availed of this or know of a similar cover level offered elsewhere?

I have a daily driver , but do on occasion want to be able to drive my classic to work ...

Thanks

I was chatting to first ireland a few weeks ago and they said they allow commuting to work but best call them to confirm

Senor Frog · 01-03-2020 10:04pm

marcos_94 wrote: »

I was chatting to first ireland a few weeks ago and they said they allow commuting to work but best call them to confirm

Thanks will give them a call . Did they say anything about maximum mileage options ?

marcos_94 · 01-03-2020 11:33pm

Senor Frog wrote: »

Thanks will give them a call . Did they say anything about maximum mileage options ?

Can’t remember the low mileage option(think it was 2000 miles) then 4000, 6000, and 10000 mile options. I’m going to be calling them tomorrow to finalise insurance so can report back

pachanco · 02-03-2020 1:07am

https://www.firstireland.ie/personal/classic/assumptions.php

The Proposer should:
be the legal owner and main user of the vehicle.
be currently resident in the Republic of Ireland and have permanently resided in the Republic of Ireland.
disclose all material information for all drivers (i.e. information likely to influence the assessment and acceptance of your Proposal).
providing false information could result in claims not being paid and/or your policy being treated as null and void.
be a genuine classic car enthusiast and a member of a classic car club.

All Drivers should:
be aged 25 years or more.
hold a full licence (with the exception of the policyholder spouse).
not suffer from any medical condition which may affect their ability to drive, unless notified to and approved by the Licence authority.
not have had a proposal declined, cancelled, refused or special terms imposed by an insurer.

The Vehicle MUST NOT:
be less than 20 years old.
be used to carry corrosive, toxic, explosive or flammable goods.
be used in airports.
be used for hire or reward or the carriage of other people’s goods.
be used for the carriage of people for Hire and Reward – (taxi, hackney, chauffer, vehicle hire).
be used for Delivery.
be used for Driving Instruction or Tuition.
be used for Embassy / Diplomatic Service.
be modified unless to cater for a disability.
be mass produced. (Car types such as a Fiat Punto do not qualify under our classic car scheme).
be the proposers only vehicle.

Senor Frog · 02-03-2020 8:43am

marcos_94 wrote: »

Can’t remember the low mileage option(think it was 2000 miles) then 4000, 6000, and 10000 mile options. I’m going to be calling them tomorrow to finalise insurance so can report back

That would be great thanks

Tzardine · 04-03-2020 10:06am

The Vehicle MUST NOT:
be less than 20 years old.
be used to carry corrosive, toxic, explosive or flammable goods.
be used in airports.
be used for hire or reward or the carriage of other people’s goods.
be used for the carriage of people for Hire and Reward – (taxi, hackney, chauffer, vehicle hire).
be used for Delivery.
be used for Driving Instruction or Tuition.
be used for Embassy / Diplomatic Service.
be modified unless to cater for a disability.
be mass produced. (Car types such as a Fiat Punto do not qualify under our classic car scheme).
be the proposers only vehicle.

Is that not pretty much every car excluded? What do they insure, hand made cars only.

marcos_94 · 04-03-2020 10:18am

Tzardine wrote: »

The Vehicle MUST NOT:
be less than 20 years old.
be used to carry corrosive, toxic, explosive or flammable goods.
be used in airports.
be used for hire or reward or the carriage of other people’s goods.
be used for the carriage of people for Hire and Reward – (taxi, hackney, chauffer, vehicle hire).
be used for Delivery.
be used for Driving Instruction or Tuition.
be used for Embassy / Diplomatic Service.
be modified unless to cater for a disability.
be mass produced. (Car types such as a Fiat Punto do not qualify under our classic car scheme).
be the proposers only vehicle.

Is that not pretty much every car excluded? What do they insure, hand made cars only.

I dont really get how they decide what is mass produced. I called asking about classic insurance on a 1999 VW golf GTi and was told its a mass produced car so they would not insure it, but was given quotes for a 2000 E200 and 2000 BMW 520i saloons and estates!

Rows Grower · 04-03-2020 10:29am

marcos_94 wrote: »

I dont really get how they decide what is mass produced. I called asking about classic insurance on a 1999 VW golf GTi and was told its a mass produced car so they would not insure it, but was given quotes for a 2000 E200 and 2000 BMW 520i saloons and estates!

I did a quick google out of curiosity there and was very surprised to read that a VW Golf has been sold every 41 seconds since 1974.

That's a lot.

marcos_94 · 04-03-2020 10:38am

Rows Grower wrote: »

I did a quick google out of curiosity there and was very surprised to read that a VW Golf has been sold every 41 seconds since 1974.

That's a lot.

I dont disagree witht he golf, I just would have thought that the GTI may have been treated differently

airhead_eire · 04-03-2020 8:55pm

Silvera wrote: »

Glad my info is of use shagman !

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

Or to play devil's advocate, it's strong money for "only" 135 bhp ðŸ˜‚ðŸ˜‚

minzabud · 05-03-2020 8:04am

Any hope for a classic policy on a 19yr old car? I see autoline in Newry can cover NI cars from 15, have a policy with 123 on a 2006 car but wouldn't be able to switch to the old car for the summer due to age, is my only option to cancel policy and find an insurance company who will cover both cars until it reaches 20 years?

galwaytt · 06-03-2020 11:37am

minzabud wrote: »

Any hope for a classic policy on a 19yr old car? I see autoline in Newry can cover NI cars from 15, have a policy with 123 on a 2006 car but wouldn't be able to switch to the old car for the summer due to age, is my only option to cancel policy and find an insurance company who will cover both cars until it reaches 20 years?

I had my 01 and 03 cars with them up til last year in RoI, with no issues.

macplaxton · 06-03-2020 5:30pm

It really depends on what the car it actually is. The final say being with the underwriting gods.

minzabud · 07-03-2020 10:17pm

Got sorted with 123 no hassle or charge in the end, may have worked in my favour going from a 2.2d to a 1.8t

airhead_eire · 07-03-2020 11:01pm

galwaytt wrote: »

I had my 01 and 03 cars with them up til last year in RoI, with no issues.

It only applies to new business and they have only recently implemented the 25 year cut off recently.

10-03-2020 5:06pm

Just off the phone trying to insure a standard, convertible 20 year old Toyota (not a jap import), aged >30 myself.

Carole Nash and First Ireland didn't get past the word 'Toyota' - does not compute. Carole Nash said underwriters Axa provide them with a list of cars they will cover - if its not on list they won't cover it - I find that hard to believe.

Autoline mulled it over but came back saying their underwriter wouldn't allow an exception to the new 25 year rule.

Haven't tried IVETA/Campion/FBD as I've heard here only covered for 'show use' and the insurance proposal form also states that for a convertible car cover is 3rd party only.

Has anyone got any other suggestions/local brokers ? Thanks

MrCostington · 10-03-2020 6:51pm

4 wrote: »

Haven't tried IVETA/Campion/FBD as I've heard here only covered for 'show use' and the insurance proposal form also states that for a convertible car cover is 3rd party only

I'm with FBD since Jan with an '83 Merc, there is no show only restrictions, even have no problem driving to work the odd time (but not FOR work, of course). No idea if they will take a 20 y/o Toyota though.

Rows Grower · 10-03-2020 7:47pm

MrCostington wrote: »

I'm with FBD since Jan with an '83 Merc, there is no show only restrictions, even have no problem driving to work the odd time (but not FOR work, of course). No idea if they will take a 20 y/o Toyota though.

Yeah FBD are very easy to deal with and great value too.

Harcrid · 10-03-2020 9:44pm

With FBD it seems to depend on who answers the phone. I was told in no uncertain terms that the policy would not cover any social or domestic driving outside of driving to car shows.

MrCostington · 11-03-2020 2:30pm

I went into the FBD office in person and asked twice specifically about driving into work, was told it was OK

I just checked my cert, cover is SD&P with no mention of any restrictions (other than those on my daily policy such as for hire, racing,etc) - there is not even a mileage restriction.

pachanco · 13-03-2020 1:27am

MrCostington wrote: »

I went into the FBD office in person and asked twice specifically about driving into work, was told it was OK

I just checked my cert, cover is SD&P with no mention of any restrictions (other than those on my daily policy such as for hire, racing,etc) - there is not even a mileage restriction.

Thanks for posting that information about your certificate MrCostington.

It looks like you are covered for driving to work with the FBD policy in that case.

Social Domestic and pleasure policies and what they cover seem to vary across different companies, see Axa example below.

https://www.fbd.ie/faqs/

What class of use do I need?

With CarProtect you can select from 3 options:

Social, domestic and pleasure use (including commuting)
Covers normal day-to-day driving and includes commuting to a permanent place of work. Examples of this include travelling to and from work, the shops and visiting friends and relatives.

Social, domestic, pleasure and business use
Social, domestic, pleasure use and driving by the policyholder in connection with their occupation. Examples include travel between business locations/meetings or carrying goods/samples for work. Commercial travelling is excluded.

Commercial travelling
Social, domestic, pleasure use and driving by the policyholder in connection with their occupation including commercial travelling. Commercial travelling is considered travel to customers as a permanent aspect of your occupation e.g. a sales representative

https://www.axa.ie/help/question/social-domestic-and-pleasure-plus-commuting-cover/

If I use my car to drive to or from work (or during the working day) what class of use should I have on my policy?
If you use your car to drive to work you should have Social Domestic and Pleasure plus Commuting cover on your policy. Please refer to Section 3 on your Certificate of Insurance to check the level of your cover. You can access this document in your MyAXA account.

pachanco · 13-03-2020 1:33am

This is from an Axa Uk website,

https://www.axa.co.uk/car-insurance/tips-and-guides/10-ways-to-avoid-invalidating-your-car-insurance/

Choose the right class of use
When applying for car insurance you must select the class of use that reflects how you use or will be using your car. To help you make an informed decision, here’s short definitions of the classes of use you can pick from.

Social, domestic and pleasure
Choose this class of use if you only drive for social purposes, such as visiting family and friends or nipping to the shops.
Commuting
As well as covering you for the above usage, this offers protection for your commute to and from your place of work. Keep in mind that if parking your car at a train station before hopping on a train is part of your daily commute, then you’ll need to choose this class as your car is part of the journey. Dropping someone else at their work is also classed as commuting too, so don’t get caught out.
Business use
If your job involves regular travel to more than one place of work, you need this. This does not cover transport of goods for customers, fast food delivery, driving instruction or carrying passengers as part of a business. Bear in mind that giving friends or colleagues lifts in return for contributions to fuel does not constitute carrying passengers for business.
Choosing the wrong class of use can be costly and will result in a claim being declined if you are using your car for a purpose that it's not covered for. For example, if you were to tell your insurer that you used your car for social domestic and pleasure purposes but also use it for commuting, you run the risk of your car not being covered if you’re involved in an accident on your way to work.

galwaytt · 16-03-2020 4:21pm

pachanco wrote: »

Thanks for posting that information about your certificate MrCostington.

It looks like you are covered for driving to work with the FBD policy in that case.

Social Domestic and pleasure policies and what they cover seem to vary across different companies, see Axa example below.

https://www.fbd.ie/faqs/

https://www.axa.ie/help/question/social-domestic-and-pleasure-plus-commuting-cover/

I think having commuting hived off as a chargeable extra is a con by insurance companies.

Commuting is easily a 'domestic' use.

RobAMerc · 23-03-2020 10:09am

whats the best "Club" to join to satisfy that requirement ?

biko · 23-03-2020 10:31am

Moved to main Insurance forum along with other insurance threads in various Motors forums.

galwaytt · 23-03-2020 5:42pm

RobAMerc wrote: »

whats the best "Club" to join to satisfy that requirement ?

Literally, any.

galwaytt · 23-03-2020 5:43pm

airhead_eire wrote: »

It only applies to new business and they have only recently implemented the 25 year cut off recently.

....indeed, just found out their (new?) underwriters has closed the door on anything under 20 - having 2 cars with them did me no favours at all.

Testacalda · 23-03-2020 8:26pm

RobAMerc wrote: »

whats the best "Club" to join to satisfy that requirement ?

Any one as long as they give you a member number and /or maybe a membership card. Most insurers seem to want the membership number, not that they ever verify it in any way :rolleyes:

Marlow · 24-03-2020 3:51pm

galwaytt wrote: »

....indeed, just found out their (new?) underwriters has closed the door on anything under 20 - having 2 cars with them did me no favours at all.

Meaning your two are not insurable on a classic policy with them until they hit 20 ? or even 25 ?

I have a 45 and a 35 year old insured with them, but was planning on adding a 20 year old one this year.

/M

galwaytt · 24-03-2020 3:55pm

Marlow wrote: »

Meaning your two are not insurable on a classic policy with them until they hit 20 ? or even 25 ?

I have a 45 and a 35 year old insured with them, but was planning on adding a 20 year old one this year.

/M

they were on classic with them for the last 2 years already.....

Marlow · 24-03-2020 4:11pm

galwaytt wrote: »

they were on classic with them for the last 2 years already.....

Yes. But did they renew your policy or not ?

/M

galwaytt · 24-03-2020 4:51pm

Marlow wrote: »

Yes. But did they renew your policy or not ?

/M

No.

which was fine btw, as I got a better arrangment for the two of them as DD instead. Cost more, but the level of cover and breakdown etc was much better.

Titzon Toast · 26-03-2020 7:22pm

Autoline rang me this afternoon to renew the insurance on my Prelude. €270 for 3k miles, I had to take it as I had no choice.

I asked them why they had raised the age limit for Japanese cars from 20 years to 25 and they said it was because Alliance had changed their policy.

The guy I was dealing with told me that they were recording the amount of people who were requesting insurance on older Jap cars to prove that there is a demand there and to try and get the limit back down to 20 years.

Maybe we should spam them with requests to get things moving?!

machu · 26-03-2020 10:36pm

My father has vintage insurance on his 1998 Toyota avensis with autoline since September 2019 is there a cut of of point that he can carry forward his previous no claims bonus if he was to go back to mainstream insurance with a new car ?

pachanco · 26-03-2020 10:59pm

machu wrote: »

My father has vintage insurance on his 1998 Toyota avensis with autoline since September 2019 is there a cut of of point that he can carry forward his previous no claims bonus if he was to go back to mainstream insurance with a new car ?

2 years. If you go one day over the two years then you lose it.

https://www.aviva.ie/insurance/car-insurance/ncd-explained/

L-M · 26-03-2020 11:05pm

My father has 3 cars insured with Axa and he has my mother and 3 kids (Not KIDS!) names on the policy.

Axa are at €500... Seems steep so I rang them and they basically said that’s it and when I used the thinly veiled “Thanks, I’ll just price around” it was “Ok thanks”....

Marlow · 26-03-2020 11:17pm

L-M wrote: »

My father has 3 cars insured with Axa and he has my mother and 3 kids (Not KIDS!) names on the policy.

Axa are at €500... Seems steep so I rang them and they basically said that’s it and when I used the thinly veiled “Thanks, I’ll just price around” it was “Ok thanks”....

That's not bad, to be honest.

My Defender (35 years old, highly modified) is 630 EUR fully comp, 5k miles with Autoline. The LT (31 years old) is an additional 170 EUR on the same policy (sharing the 5k milage). Bringing the policy up to 800 EUR/year.

It's down to a lot of things. But 500 EUR with a good few people name on the policy is not a bad price.

The real cheap classic vintage insurances usually are third party only and only cover you for trips to shows. Like Evitas.

/M

timtim2016 · 16-04-2020 3:57pm

Good afternoon, just a very quick query, wondering whose the best to deal with these days. Looking to buy a 90's jap car, Altezza, civic or integra, or classic mini, what are ball park figures people are getting. I am 29 with 5/6 years no claims bonus with a daily car that will remain my daily car, any help would be hugely appreciated.

selectamatic · 16-04-2020 5:50pm

timtim2016 wrote: »

Good afternoon, just a very quick query, wondering whose the best to deal with these days. Looking to buy a 90's jap car, Altezza, civic or integra, or classic mini, what are ball park figures people are getting. I am 29 with 5/6 years no claims bonus with a daily car that will remain my daily car, any help would be hugely appreciated.

Autoline want most cars to be over the 25 year old mark now for classic insurance. For jap imports you have to be 30 years or older.

A mini would be easy insure.

An altezza or integra would be a no go at the minute. An irish if there were any? Or ukdm vti eg civic would probably be doable.

timtim2016 · 16-04-2020 9:48pm

I'll try autoline and see what answer I get. I was thinking jap just for ease and price of parts, along with having more of the comforts of modern cars. Is autoline the only option?

Marlow · 17-04-2020 10:15pm

timtim2016 wrote: »

I'll try autoline and see what answer I get. I was thinking jap just for ease and price of parts, along with having more of the comforts of modern cars. Is autoline the only option?

Yep. Seemingly so. Irish insurances don't like japanese cars ... . oh wait ... irish insurances don't like insuring anything .. unless you give them a wadload of money.

/M

Agricola · 21-04-2020 12:26pm

Had my renewal through recently from First Ireland. Not too impressed with it so tried Autoline and got a quote of €270 for a bmw e36 that I use for 6 mths of the year. When I told them my renewal was a bit under that, they said they could go to €200.

Would that be the best I could hope for nowadays? I know it's not bad but considering the current situation and talk of insurers refunding people on daily policies (hah!) I'd like to get it down nearer the €150 I used to pay for this car a few years ago.

CoBo55 · 21-04-2020 12:29pm

Agricola wrote: »

Had my renewal through recently from First Ireland. Not too impressed with it so tried Autoline and got a quote of €270 for a bmw e36 that I use for 6 mths of the year. When I told them my renewal was a bit under that, they said they could go to €200.

Would that be the best I could hope for nowadays? I know it's not bad but considering the current situation and talk of insurers refunding people on daily policies (hah!) I'd like to get it down nearer the €150 I used to pay for this car a few years ago.

What was your renewal?

Agricola · 21-04-2020 12:31pm

CoBo55 wrote: »

What was your renewal?

€248

Agricola · 21-04-2020 1:08pm

Ok, that didn't take long!

Tried Campions. €125 for third party only or €160 for TPFT. Both dependent on vintage club membership. 5000 mile limit.

CoBo55 · 21-04-2020 4:05pm

Agricola wrote: »

Ok, that didn't take long!

Tried Campions. €125 for third party only or €160 for TPFT. Both dependent on vintage club membership. 5000 mile limit.

Great result, well done, 5000 is a generous amount. Can you drive anywhere you like on a classic policy? Not work I understand but can you just hop in the car on a nice dry day and tip off for a spin, maybe stay overnight in a b&b and head home again?

KB22 · 21-04-2020 6:20pm

CoBo55 wrote: »

Great result, well done, 5000 is a generous amount. Can you drive anywhere you like on a classic policy? Not work I understand but can you just hop in the car on a nice dry day and tip off for a spin, maybe stay overnight in a b&b and head home again?

I was with FBD via Campion's for the last few year's. Just changed to First Ireland about €100 dearer, fully comp.with breakdown cover. With First , you lose the open drive and they are very fussy about your detail's , i.e. they insist on written confirmation for everything. Otherwise they are not too restrictive.

Agricola · 25-04-2020 3:51pm

CoBo55 wrote: »

Great result, well done, 5000 is a generous amount. Can you drive anywhere you like on a classic policy? Not work I understand but can you just hop in the car on a nice dry day and tip off for a spin, maybe stay overnight in a b&b and head home again?

Yes, I read on here that some insurers are very specific about only taking cars to shows etc but I confirmed with Campions that this is a social/domestic type policy which means you can use the car whenever you like as long as it's not for commuting/work and you adhere to the mileage limit.

Classic insurance - companies & brokers

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