Car insurance for >15 year old cars

Skatedude · 28-03-2017 12:54pm

KC161 wrote: »

I can get that for my 2001 Ford Puma?

I doubt it. they seem to insist the cars cannot be jap or too "normal"
mk1 golf, mabey, mk3 golf probably not.

boardsuser1 · 28-03-2017 12:59pm

Skatedude wrote: »

I doubt it. they seem to insist the cars cannot be jap or too "normal"
mk1 golf, mabey, mk3 golf probably not.

AXA said the car MUST BE 25 YEARS OLD

lol5605 · 28-03-2017 1:45pm

Anyone got anything decent lately? I have a 1998 Civic, 2 years ago i paid 750, 900 last year and now its gone up to 1450. I have rang 15+ companies and only one would quote me and that was close to 2000.

Skatedude · 29-03-2017 4:28pm

KC161 wrote: »

AXA said the car MUST BE 25 YEARS OLD

I have been with axa a number of times, and was with them last year with my 19 year old car, but they simply may not want to insure you. the cars they will cover also seems to change depending on who's applying.

Turner · 29-03-2017 4:36pm

lol5605 wrote: »

I have rang 15+ companies and only one would quote me and that was close to 2000.

Insurance in this country is compulsory, you have to have it.

Tell them they have to quote you, they don't have a choice.

If they wont, demand a refusal letter, if you get 3 of these letters the Declined Cases Committee of Insurance Ireland can force one of the companies to insure you.

Silane · 29-03-2017 4:44pm

Turner wrote: »

Insurance in this country is compulsory, you have to have it.

Tell them they have to quote you, they don't have a choice.

If they wont, demand a refusal letter, if you get 3 of these letters the Declined Cases Committee of Insurance Ireland can force one of the companies to insure you.

Yeah probably for 2K, a lot of hassle to end up right where he is right now.

Parchment · 29-03-2017 5:00pm

kuro2k wrote: »

I have two 21 year old cars with Axa insurance

96 BMW cabrio, 610 EUR - renewed last month, 16% increase
96 Toyota Hilux Surf, 520 EUR - due to be renewed in September

Looking at some of the quotes I feel very lucky. I've alway found Axa good, I've been with them for 12+ years

Jesus - you have my dream garage right there!:P

CosyChair · 29-03-2017 5:34pm

I Have a 95 bmw 5 series insured with fbd fully comp open driving no mileage limit for 250 eurro classic policy. they beat all the rest as they only let yodo 2 to 4k a year on there policy.

bigboss1986 · 02-04-2017 12:46am

Need little bit of help.
I have policy with Allianz unitl 19/ 07/2017.On friday I sold my car (2002 audi 1.6) and I bought Celica 2001.Im 31 with 5+++ NCB so I tought I just give them a call to change reg on the policy.
When I called them I was told because Celica has more than 6 owners they cant change reg on my policy and wont insure me.Not year of the car or because it is Jap import,no.It has more than 6 owners!!!WTF??
So atm car is sold new car bought and cant drive it.Im fecking pi**ed off and I dont know what to do.Im going to call them on monday and speak to manager down there but it doesnt look good.
Does anyone have idea what to do( except why did u buy Celica)??

boardsuser1 · 02-04-2017 8:39am

bigboss1986 wrote: »

Need little bit of help.
I have policy with Allianz unitl 19/ 07/2017.On friday I sold my car (2002 audi 1.6) and I bought Celica 2001.Im 31 with 5+++ NCB so I tought I just give them a call to change reg on the policy.
When I called them I was told because Celica has more than 6 owners they cant change reg on my policy and wont insure me.Not year of the car or because it is Jap import,no.It has more than 6 owners!!!WTF??
So atm car is sold new car bought and cant drive it.Im fecking pi**ed off and I dont know what to do.Im going to call them on monday and speak to manager down there but it doesnt look good.
Does anyone have idea what to do( except why did u buy Celica)??

I think Allianz are one of the companies with the 15 year rule.

My car has 7 owners, previous owner kept 'selling' the car due to not declaring it off the road for tax reasons.

Sue Pa Key Pa · 02-04-2017 8:40am

bigboss1986 wrote: »

Need little bit of help.
I have policy with Allianz unitl 19/ 07/2017.On friday I sold my car (2002 audi 1.6) and I bought Celica 2001.Im 31 with 5+++ NCB so I tought I just give them a call to change reg on the policy.
When I called them I was told because Celica has more than 6 owners they cant change reg on my policy and wont insure me.Not year of the car or because it is Jap import,no.It has more than 6 owners!!!WTF??
So atm car is sold new car bought and cant drive it.Im fecking pi**ed off and I dont know what to do.Im going to call them on monday and speak to manager down there but it doesnt look good.
Does anyone have idea what to do( except why did u buy Celica)??

If the car is road legal, your current insurers are obliged to put it on cover for you (minimum 3rd part cover). Persist & complain

beauf · 02-04-2017 11:00am

CosyChair wrote: »

I Have a 95 bmw 5 series insured with fbd fully comp open driving no mileage limit for 250 eurro classic policy. they beat all the rest as they only let yodo 2 to 4k a year on there policy.

Do you have another car insured?

beauf · 02-04-2017 11:03am

bigboss1986 wrote: »

.... I was told because Celica has more than 6 owners they cant change reg on my policy and wont insure me....

I've never heard of that rule before. I'm completely baffled about that one.

bigboss1986 · 02-04-2017 2:58pm

beauf wrote: »

I've never heard of that rule before. I'm completely baffled about that one.

I was thinking to put mates name on it and drive under 3rd party extension( they have no problem with that one :eek::eek: ) and switch cover to my wifes car but my wifes car is already insured...Im stuck as f@ck

beauf · 02-04-2017 3:23pm

Is that not fronting, and I thought they do have a problem with it.

I think I would challenge the 6 driver rule and raise it with the ombudsman. Its probably just another means to stop old cars and scammers.

chicorytip · 04-04-2017 12:18am

KC161 wrote:

I think Allianz are one of the companies with the 15 year rule.

No. I drive a fifteen year old car and recently bought a new policy from Allianz without difficulty.

boardsuser1 · 04-04-2017 10:32am

chicorytip wrote: »

No. I drive a fifteen year old car and recently bought a new policy from Allianz without difficulty.

Happy days.

BronsonTB · 05-04-2017 2:34pm

bigboss1986 wrote: »

Need little bit of help.
I have policy with Allianz unitl 19/ 07/2017.On friday I sold my car (2002 audi 1.6) and I bought Celica 2001.Im 31 with 5+++ NCB so I tought I just give them a call to change reg on the policy.
When I called them I was told because Celica has more than 6 owners they cant change reg on my policy and wont insure me.Not year of the car or because it is Jap import,no.It has more than 6 owners!!!WTF??
So atm car is sold new car bought and cant drive it.Im fecking pi**ed off and I dont know what to do.Im going to call them on monday and speak to manager down there but it doesnt look good.
Does anyone have idea what to do( except why did u buy Celica)??

If it's a jap import celica, then you will have trouble insuring, most companies no longer cover them for new business. As you are changing details of cover, they can refuse to cover if it doesn't meet their underwriting rules. (The 6 owners referecne, no idea where they are getting that from & should not be an issue)

Try autoline as they are currently the best for covering Celica's. (A lot of the Celica club members have used them for good quotes, they cover both north & south of Ireland - but do have some terms & conditions)

ba_barabus · 06-04-2017 9:51am

I'm looking at buying a Megane convertible. Its 2000 reg and I just want it for the summer. Who is covering cars this age?

Axa No
Campion No
Autoline Maybe

unkel · 06-04-2017 10:27am

Autoline. Not cheap. Must have normal car.

First Ireland. Cheap. Don't need normal car insurance in your own name. But only for existing customers, not for new business. AIG (underwriter) says no.

Not sure how easy it will be to convince any of them that a Renault Megane is a classic car though

Wibbs · 06-04-2017 10:34am

Try simply insure.ie. They were the only brokers that would come within miles of my 19 year old car and were cheaper, though still crazy expensive. Compared to my yoke a Megan should be far cheaper.

cplwhisper · 06-04-2017 1:48pm

ba_barabus wrote: »

I'm looking at buying a Megane convertible. Its 2000 reg and I just want it for the summer. Who is covering cars this age?

Axa No
Campion No
Autoline Maybe

••••
Do u plan to have 2 cars for 1 Policy?

How did u word quote with axa. ?
Did u say u want temp cover for few weeks or did u say it's a car that is declared off the road during non-summer months ?

biko · 06-04-2017 2:10pm

I've a 1999 SAAB LPT 2 litre

BOI that I currently use offered renewal for €850

First Ireland - €3459.57 third party only LOL
First Ireland - €2008.40 comprehensive LOL

Simplyinsure - unable to quote, for some reason

Britton - €1067.66

Allianz - their webpage says ""Car cannot be more than 15 years old"

Liberty - €810 with added partner and TPFT (and 10% off for buying online)

cplwhisper · 06-04-2017 3:37pm

Check that fire or theft don't effect NCB and that step back NCB in-place

ba_barabus · 06-04-2017 10:35pm

cplwhisper wrote: »

••••
Do u plan to have 2 cars for 1 Policy?

How did u word quote with axa. ?
Did u say u want temp cover for few weeks or did u say it's a car that is declared off the road during non-summer months ?

Ahhh never realised this subform existed.

Anyway, I want it covered for use as a second car. I have a main car, just want this for a bit of weekend use.

celica1994 · 17-04-2017 5:57pm

I have a policy with them for motor insurance, my car died, im looking at a 15 year old passat tomorrow, Does anyone know if Bank of ireland insure cars over 15 years, theyre unwritten by rsa insurance!

colm_mcm · 17-04-2017 5:58pm

They wouldn't quote my wife on her 17 year old car, that was new business though.

celica1994 · 17-04-2017 6:04pm

colm_mcm wrote: »

They wouldn't quote my wife on her 17 year old car, that was new business though.

cheers for the reply, hopefully i might have luck cause i have a policy already!

celica1994 · 17-04-2017 6:25pm

colm_mcm wrote: »

They wouldn't quote my wife on her 17 year old car, that was new business though.

just wondering, did you call them or just try the online quote?

colm_mcm · 17-04-2017 6:26pm

Online.

biko · 17-04-2017 6:28pm

I am currently with BoI on a car older than 15 years.

celica1994 · 17-04-2017 6:58pm

colm_mcm wrote: »

Online.

yea nearly most of them now wont quote you online if the car is over 10 years, ya gotta call them

celica1994 · 17-04-2017 6:58pm

biko wrote: »

I am currently with BoI on a car older than 15 years.

when did ya take out the policy, just curious?

Surreptitious · 17-04-2017 7:16pm

RSA refused me and I was already with them and had been with them for three years so was disappointed with them. Mine's a 1995 btw. I ended up with AXA eventually. Online won't work, it's going to take time to ring all of them up. Brokers seems to charge more but do give quotes alright.

celica1994 · 17-04-2017 7:17pm

Surreptitious wrote: »

RSA refused me and I was already with them and had been with them for three years so was disappointed with them. Mine's a 1995 btw. I ended up with AXA eventually. Online won't work, it's going to take time to ring all of them up. Brokers seems to charge more but do give quotes alright.

Im with boi already, im just hoping they insure this new car, its 02, where as my old car was 03

Surreptitious · 17-04-2017 7:19pm

celica1994 wrote: »

Im with boi already, im just hoping they insure this new car, its 02, where as my old car was 03

I'm guessing you should be ok then, as long as you know the usual, points, NCB, etc. 02 is not really that old compared to a 95 so good luck

celica1994 · 17-04-2017 7:20pm

Surreptitious wrote: »

I'm guessing you should be ok then, as long as you know the usual, points, NCB, etc. 02 is not really that old compared to a 95 so good luck

Cheers man! yea im hoping they dont make a giant fuss over it

Jurgen Klopp · 17-04-2017 7:25pm

I had third party on my 16 year old focus through a last year with liberty of 700

Renewal was 2700

Used a broker and got 910 quote but didn't get around to taking it yet

However AXA have a deal in for new customers and last night got a quote of 633 comprehensive will be taking that once i get NCT in next day or so

celica1994 · 17-04-2017 7:28pm

Jurgen Klopp wrote: »

I had third party on my 16 year old focus through a last year with liberty of 700

Renewal was 2700

Used a broker and got 910 quote but didn't get around to taking it yet

However AXA have a deal in for new customers and last night got a quote of 633 comprehensive will be taking that once i get NCT in next day or so

cool hopefully your qoute goes well

biko · 17-04-2017 8:17pm

celica1994 wrote: »

when did ya take out the policy, just curious?

Last year, May 2016

celica1994 · 17-04-2017 8:42pm

biko wrote: »

Last year, May 2016

i might have a little luck so

celica1994 · 18-04-2017 4:02pm

Ok heres one for the books..

I rang bank of ireland this morning, she said she will check what the price increase would be for me going from a 2003 peugeot 607 2.0HDI(107BHP) To a 2002 VW Passat (130)BHP.
She comes back a min later and informs me after the switch, THEY will actually owe me 65 euros!! was totally delighted with myself lol

So there ya go, bank of ireland seems to be the way to go for older cars

blastman · 19-04-2017 5:42pm

Two years ago, I paid €430 (actually slightly less IIRC) to insure my 320i 2.2L. Yesterday I got a renewal quote for €1076, a roughly 150% increase in two years. Full NCB and I'm well past any age that could be even vaguely construed as boy racer territory. The car is in great condition for its age, not a squeak or ratttle anywhere and has passed all NCTs first time. Yet because it's 16 years old, I suspect I will have very few options available to drive that renewal down into more reasonable territory.

It's nice that someone is doing their best to make me feel young, I just wish it wasn't insurance companies!!

alta stare · 19-04-2017 5:53pm

I got a renewal on my car insurance from 530 to 650. Not so bad. Out of curiosity i tried other companies and they all bar one were above 1100.

The car is a 2001 gti 1.8t golf. NCT and in v good condition so its a pain in the ass getting such high quotes. Im expecting a big jump next year.

Jurgen Klopp · 19-04-2017 6:08pm

alta stare wrote: »

I got a renewal on my car insurance from 530 to 650. Not so bad. Out of curiosity i tried other companies and they all bar one were above 1100.

The car is a 2001 gti 1.8t golf. NCT and in v good condition so its a pain in the ass getting such high quotes. Im expecting a big jump next year.

It's a bad job when you give a sigh of relief from a 100 increase isn't it

Jurgen Klopp · 19-04-2017 6:08pm

blastman wrote: »

Two years ago, I paid €430 (actually slightly less IIRC) to insure my 320i 2.2L. Yesterday I got a renewal quote for €1076, a roughly 150% increase in two years. Full NCB and I'm well past any age that could be even vaguely construed as boy racer territory. The car is in great condition for its age, not a squeak or ratttle anywhere and has passed all NCTs first time. Yet because it's 16 years old, I suspect I will have very few options available to drive that renewal down into more reasonable territory.

It's nice that someone is doing their best to make me feel young, I just wish it wasn't insurance companies!!

If your not with Axa try an online quote and see how you get on

alta stare · 19-04-2017 6:24pm

Jurgen Klopp wrote: »

It's a bad job when you give a sigh of relief from a 100 increase isn't it

Yep it is. I suppose i must be grateful to them seen as they went to the trouble to give me a 10% discount an all. Must of put a dent in their overall budget.

blastman · 20-04-2017 4:07pm

Jurgen Klopp wrote: »

If your not with Axa try an online quote and see how you get on

I'm not, so I'll give it a go...

** EDIT ** About €200 less than my renewal, still a jump of a couple of hundred on last year's policy but at least I have something to bargain with going back to my own lot, thanks.

UnitedIrishman · 20-04-2017 8:41pm

Struggling in a big way to get insured this year around on an 00' Toyota Avensis - tried FBD, Bank of Ireland, 123.ie, Aviva and pretty much everywhere wouldn't even quote me, and AXA were the only ones to give me a quote of about 1400 for Third Party insurance. That's nearly three times what I paid with Bank of Ireland last year.

Any ideas on any other avenues to try?

CyberGhost · 27-04-2017 10:09am

I am considering a 2000 Micra. Haven't driven in couple of years, so back to 0 NCB. I tried several insurers and quotes I got are in the range of 3500-4000.

Anybody in the same situation? What are my options? I did not get quoted this much when I was learner and had no experience or NCB at all.

Car insurance for >15 year old cars

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