Classic insurance - companies & brokers

Hi guys, great thread, yery informative. I'm 22 and have a daily driver insured fuly comp. I'm looking at an '89 Golf GTI for a weekend / show car. The two problems I can see are 1) My age and 2) The age of the car. Is there any company who can quote me a decent figure, I was quoted over 5k to insure it as a daily driver. Also I was told that my current no claims bonus doesn't apply because it's a second car, and a second poicy.
Thanks for any help.

Thanks to you guys, I got an excellent deal on my insurance policies (3 cars) with First Ireland. The other companies I contacted were an outright waste of time and money. Thanks again.

Can you take out a policy on a non-Irish reg car? I know some companies dont ask questions with temp. transferals from regular policies, but what about a proper classic policy? Younger classics would require an nct (impossible with out a re-reg) where as older classics may only require an engineers report. Would it cause you trouble where vrt is concerned? Has anyone had any hassle?

Far as I know, companies are dog-wide to all the strokes. they have seen it all bfore, and know what you're up to a lot of the time when you try something.
The worrying part is that they operate on the basis of uberima fidei - the utmost good faith. In other words, you try pull a stroke, and they may let you, but will void your cover if anything happens and even send out an investigator to prove what they suspect.

RE IVS insurance.

The rates are great, and the mileage allowance is generous BUT>>>

Customer service isn't exactly their forte. Perhaps they are feeling the strain of so much new business? Phone calls can leave you feeling like a Jehovah's witness at the door.
Also there may be a delay of 21 to 26 days in gettiong your policy! This wasn't mentioned when I parted with my fee.

Hi all,

AXA refused to quote me for using a classic car as my only car but I pestered them and they agreed, providing I gave an engineers report.

I also rang First Ireland and they quote me their own policy with a 10k limit.
For no mileage limit they quote Hibernian and St Paul.

ok, so I was in a hurry and I only made 3 calls....axa said my car had to be 25yrs or older, first ireland didnt answer their phone and carol nash told me everything i wanted to hear......so i signed up and handed over the ever so important cash. WooHoo Im insured but it was then that I got to read the small print. For a start, I'm only covered against theft and d##kheads dancing on my car IF it happens on my driveway and nowhere else AND only if it happens between the hours of 10pm and 6am!!! W.T.F.!!!! How ridiculous is that!! They offer all sorts of nice percs such as breakdown recovery/assistance etc. European cover as well as decent prices for extra vehicles, but if I'm not insured against idiots and thieves outside of these restrictions, my policy isn't much use. I can see the owner of ANY car being upset with these restrictions, let alone someone who obviously cherishes their car and wants maximum protection 24/7 while being able to enjoy the freedom of just hitting the road, as the policy is supposedly taylored for. That means no D##khead cover should your car be nicked or damaged in a carpark, at a show,meet or run, or even if you decide to take the roof down and hit the road for the long weekend. It also states that the car must be in road worthy condition and have its NCT which is worrying for anyone taking their car off the road for a while to carry out some work or even for those still on UK or other foreign regs. who obviously can't possibly have an NCT,but yet they offer cover for them. Surely by this clause they technically wouldnt have to pay up in the event of a claim. So between these restrictions and escape routes on top of the fact that insurance co.s will usually try everything they can to get out of a payment anyway, I've come to the conclusion that I may have rushed into things a little and perhaps I should have tried to call First Ireland back :rolleyes: always a lesson to be learned! I am happy however with the price and percs, friendliness of staff and ease in taking out a policy with them. All of this is irrelevant though if I've got gaps in my cover.

Picture it....

...its been a long day and you've just spent the last 2 hours stuck in traffic in your daily,plastic, economical box. Barely hanging together because you've just spent the last of your cash on those chrome bumpers you've been promising yourself and if you've gotta choose which car to spend it on......you know in your soul it cant be the micra, not unless you really really have to. Or perhaps you're one of the luckier ones who found a tidy mini before a heap cost 2k. Either way, tough, because while you were at work, some f**cker ripped off your house, loaded all your favorite cds and dvds into your prized possession and headed off for a burn before burning it out in a lonely carpark somewhere (which you shouldn't be parked in) and swapping your music collection for a nokia so he can video call his mates from the next house he rips off and post it on the net....... Shame you werent covered...... shame you fit those bumpers last weekend!

I spoke to C.N. about the particulars of the policy I wasn't happy about and heres how it works:
One of the requirements of the comprehensive policy is that you must have a garage to keep the car in at night. In the event of you not parking it in the garage and it getting nicked off your drive, you’re not covered. However, if you decide to go away for the weekend in your classic and it gets nicked from outside a restaurant or where ever, you are covered (because you obviously couldn’t park it in your garage) So basically I’m covered for theft for everywhere other than my drive? The sentence reads as follows, how would you interpret it?

“we will only provide cover for theft, attempted theft or malicious damage between the hours of 10pm and 6am if your car is garaged at home or at any other garaging address we have agreed”

Does it mean the when the car’s at home, its only covered during the night if its indoors?
or
They only offer cover during those hours if the car is at home, in the garage?

I’m thinking it’s the first one.

Aside from this, my policy is €150 cheaper than the 1st Ireland quote I got and its cheaper to add extra cars to my policy too. 1sT Ireland also only allows 2k miles on your 2nd or subsequent classic.

Can vouch for the Irish Vintage Society. Have my '84 500SEC insured through them. Membership is 30 euro and insurance approx 180 (its with Hibernian). Also any member of the society over 25 with a full license is insured to drive it. Therefore to add additional drivers (over 25 etc.) you just need to join them in the IVS.