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Classic insurance requirements

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  • 22-03-2020 9:16pm
    #1
    Ronan Ferry
    Registered Users Posts: 80 ✭✭


    I know this has probably been done enough times already but I couldn’t really find any info that I needed.

    I have a 1991 Honda CR-X that I would like to insure eventually under classic insurance. Do you actually have to be 25 years old to get insurance or is there any companies that will under 25? I’m 21 with 3 years NCB with a clean licence.

    Also if it was under someone else’s name and had their own classic policy would my current insurance cover the car TPFT? I’m fully comp with liberty and can’t find anything about classic car coverage.


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    #2
    w124man
    Registered Users Posts: 2,303 ✭✭✭w124man


    I put my son on all my classics but the first two questions AXA asked me was his age and if he had his own daily driver in his own name. Their minimum age for this at the time was 25 and he had to have his own daily driver policy for a minimum of 5 years. I don't know if this is still the case


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    #3
    L-M
    Registered Users Posts: 23,694 ✭✭✭✭L-M


    Anyone have any recommendations to price around with?

    Have to renew my fathers policy and he’s being quoted €500 by Axa with two of us on it.


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    #4
    Ronan Ferry
    Registered Users Posts: 80 ✭✭Ronan Ferry


    w124man wrote: »
    I put my son on all my classics but the first two questions AXA asked me was his age and if he had his own daily driver in his own name. Their minimum age for this at the time was 25 and he had to have his own daily driver policy for a minimum of 5 years. I don't know if this is still the case

    How long ago was this? It’s honestly stupid that you have to be 25 to insure a classic, I can understand something like being 21. Feels like they pull the requirements out of their behind.


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    #5
    L-M
    Registered Users Posts: 23,694 ✭✭✭✭L-M


    Ronan Ferry wrote: »
    How long ago was this? It’s honestly stupid that you have to be 25 to insure a classic, I can understand something like being 21. Feels like they pull the requirements out of their behind.

    It’s always been 25. I had a long wait to 25 to get on my fathers policy. And now all too quickly long passed 25


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    #6
    Ronan Ferry
    Registered Users Posts: 80 ✭✭Ronan Ferry


    L-M wrote: »
    It’s always been 25. I had a long wait to 25 to get on my fathers policy. And now all too quickly long passed 25

    That’s a serious letdown. Ah well the CR-X has been parked up the past 14 years what’s another 4 gonna do? Haha


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    #7
    w124man
    Registered Users Posts: 2,303 ✭✭✭w124man


    Ronan Ferry wrote: »
    How long ago was this? It’s honestly stupid that you have to be 25 to insure a classic, I can understand something like being 21. Feels like they pull the requirements out of their behind.

    That was 6 years ago and he is still on the policy. I imagine that the insurance industry have a good reason for the 25 age thing.


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