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FBD Insurance: New conditions

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  • 03-12-2020 11:58am
    #1
    80sDiesel
    Registered Users Posts: 1,331 ✭✭✭


    Have gotten insurance from FBD for a couple of vintages. Joined vintage society for discount.

    Now in order to get vintage Insurance you have to provide a copy of current NCT.

    That puts my old 84 land cruiser off the road ( way too old to pass. Was only leaks that it failed on when I tried ) so will have to park that till 2024. Used on farmstead mostly so no big deal.

    Had the other booked in for nct . ( COVID delayed)

    Won’t this new policy change affect a lot of folks?

    A man is rich in proportion to the number of things which he can afford to let alone.



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    #2
    unkel
    Registered Users Posts: 64,901 ✭✭✭✭unkel


    80sDiesel wrote: »
    in order to get vintage Insurance you have to provide a copy of current NCT.

    That puts my old 84 land cruiser off the road ( way too old to pass. Was only leaks that it failed on when I tried ) so will have to park that till 2024.

    Why is it too old to pass?


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    #3
    Dempo1
    Registered Users Posts: 26,933 ✭✭✭✭Dempo1


    How do FBD propose vintage car owners of vehicles pre 1980 are going to present an NCT cert? Aren't they exempt or is is a ploy to stop offering vintage insurance?

    Is maith an scáthán súil charad.




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    #4
    macplaxton
    Moderators, Motoring & Transport Moderators Posts: 2,957 Mod ✭✭✭✭macplaxton


    80sDiesel wrote: »
    ( way too old to pass. Was only leaks that it failed on when I tried )
    unkel wrote: »
    Why is it too old to pass?

    It isn't too old. It's incontinent. :pac:


    What "leaks" in particular?

    e.g. an exhaust can be leaking, or an engine, or a differential, or steering, or tyres, or brakes, etc. etc.


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    #5
    unkel
    Registered Users Posts: 64,901 ✭✭✭✭unkel


    NCT is quite tolerant about leaks. As long as they are small, you might get a mention / advisory but the car will not fail. I've had many over the years. Big / dangerous leaks (fuel / brake fluid / coolant / oil) is a different matter and should be sorted.

    Tip: in an older car with possible leaks, go through an underside car wash just before the test. Any leaks / weeps should then be easier for the NCT staff to find / assess


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    #6
    Testacalda
    Registered Users Posts: 463 ✭✭Testacalda


    80sDiesel wrote: »
    That puts my old 84 land cruiser off the road ( way too old to pass.

    That makes no sense at all. There's no reason why an '84 Landcruiser couldn't be made pass an NCT or CVRT. Japanese vehicles are even famed for not leaking!

    I don't think it's unreasonable for an insurance company to ask for proof of NCT or CVRT where relevant. Most don't though


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    #7
    80sDiesel
    Registered Users Posts: 1,331 ✭✭✭80sDiesel


    Dempo1 wrote: »
    How do FBD propose vintage car owners of vehicles pre 1980 are going to present an NCT cert? Aren't they exempt or is is a ploy to stop offering vintage insurance?

    Thinking the same. Basically I have to send copies of my license/ nct/ ownership/daily driver insurance in 10 days and they will , and I quote, “consider the renewal terms “.

    And I have zero claims (insured with them for 2 years already) etc so must be their new policy.

    Sounds like they don’t want to do vintage insurance anymore.

    A man is rich in proportion to the number of things which he can afford to let alone.



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    #8
    Dempo1
    Registered Users Posts: 26,933 ✭✭✭✭Dempo1


    80sDiesel wrote: »
    Thinking the same. Basically I have to send copies of my license/ nct/ ownership/daily driver insurance in 10 days and they will , and I quote, “consider the renewal terms “.

    And I have zero claims (insured with them for 2 years already) etc so must be their new policy.

    Sounds like they don’t want to do vintage insurance anymore.

    Hopefully the fact you've an existing policy you'll be fine but it does like they ate moving away from vintage insurance.

    Is maith an scáthán súil charad.




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    #9
    Miscreant
    Registered Users Posts: 2,209 ✭✭✭Miscreant


    You could always try a different insurer.

    I was with FBD for 1 year and they asked for a current NCT to insure my classic (this was 8 years ago). I moved to Axa after that and was never asked again (although I still passed the NCT yearly anyway).


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    #10
    ba_barabus
    Registered Users Posts: 9,615 ✭✭✭ba_barabus


    I just joined FBD and didn't get asked for any NCT certs but then again mine are all NCT'd.

    All I was asked for were a copy of my daily driver insurance cert (fair enough) and a copy of my signed policy to be scanned and returned to them.

    If the car isn't safe now to be on the road what makes you think it will be in 4 years time?


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    #11
    RobAMerc
    Registered Users Posts: 5,862 ✭✭✭RobAMerc


    sorry lads - I cannot see why anyone would see it as unreasonable for an insurer to ask for a road worthiness cert. Unless you are only insuring it for off-road


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    #12
    MIKEKC
    Registered Users Posts: 1,138 ✭✭✭MIKEKC


    RobAMerc wrote: »
    sorry lads - I cannot see why anyone would see it as unreasonable for an insurer to ask for a road worthiness cert. Unless you are only insuring it for off-road
    The fact that the Garda can confiscate a vehicle without NCT means it's risky using it , regardless of insurance


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    #13
    ianobrien
    Registered Users Posts: 2,756 ✭✭✭ianobrien


    80sDiesel wrote: »

    That puts my old 84 land cruiser off the road ( way too old to pass.

    That's not too old to pass. I had no problems in getting a '77 Escort to pass the NCT. It required no work to get it to pass.


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    #14
    MrCostington
    Registered Users Posts: 1,246 ✭✭✭MrCostington


    I'm with them too and got my renewal docs in the post. Not had a detailed read yet as my daily is due too first with another company.

    Did not see anything about NCT etc, I'll have a more detailed read soon (not due till Jan).

    However, I did notice the cover said it was limited to shows etc. When I took it out last year I told the guy, about 3 times, that I would be driving into work on nice days, he said it was fine. I got email confirmation that I was covered for SD&P (or whatever the acronym is).

    Anybody else any inputs to this aspect?


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    #15
    ba_barabus
    Registered Users Posts: 9,615 ✭✭✭ba_barabus


    MrCostington wrote: »
    I'm with them too and got my renewal docs in the post. Not had a detailed read yet as my daily is due too first with another company.

    Did not see anything about NCT etc, I'll have a more detailed read soon (not due till Jan).

    However, I did notice the cover said it was limited to shows etc. When I took it out last year I told the guy, about 3 times, that I would be driving into work on nice days, he said it was fine. I got email confirmation that I was covered for SD&P (or whatever the acronym is).

    Anybody else any inputs to this aspect?
    I clarified this with over the phone but not in writing, as long as its occasional use and not daily then its fine.

    Just for clarity here as to how recent I renewed my renewal was today and docs arrived in the post.


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    #16
    Harcrid
    Registered Users Posts: 1,302 ✭✭✭Harcrid


    MrCostington wrote: »
    I'm with them too and got my renewal docs in the post. Not had a detailed read yet as my daily is due too first with another company.

    Did not see anything about NCT etc, I'll have a more detailed read soon (not due till Jan).

    However, I did notice the cover said it was limited to shows etc. When I took it out last year I told the guy, about 3 times, that I would be driving into work on nice days, he said it was fine. I got email confirmation that I was covered for SD&P (or whatever the acronym is).

    Anybody else any inputs to this aspect?

    When I tried FBD earlier in the year I was told specifically over the phone that the cover was limited to shows also, so i went elsewhere. Other people in the meantime were told otherwise so it seems to depend who you get on the phone as to what info you get which is not ideal.


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    #17
    unkel
    Registered Users Posts: 64,901 ✭✭✭✭unkel


    It's a stupid condition. Why would you own a classic car just to go to shows?


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    #18
    hi5
    Registered Users Posts: 3,105 ✭✭✭hi5


    Does that mean they will be refunding everybody their premium for 2020 because there were no shows.


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    #19
    RobAMerc
    Registered Users Posts: 5,862 ✭✭✭RobAMerc


    MrCostington wrote: »
    I'm with them too and got my renewal docs in the post. Not had a detailed read yet as my daily is due too first with another company.

    Did not see anything about NCT etc, I'll have a more detailed read soon (not due till Jan).

    However, I did notice the cover said it was limited to shows etc. When I took it out last year I told the guy, about 3 times, that I would be driving into work on nice days, he said it was fine. I got email confirmation that I was covered for SD&P (or whatever the acronym is).

    Anybody else any inputs to this aspect?

    I got mine through the IVS ( I think ) and the insurance broker in Portarlington ( or Portlaoise ) The lady I was dealing with was very specific that I could only use it for going to shows or taking it for a drive to keep it in good condition.
    I've since moved to Autoline, as the FBD one is the very lowest form of 3rd party


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    #20
    unkel
    Registered Users Posts: 64,901 ✭✭✭✭unkel


    RobAMerc wrote: »
    I could only use it for going to shows or taking it for a drive to keep it in good condition.

    It's very important to drive your classic up to several times a week. Sometimes even for a quick drive first thing in the morning and then another quick drive in the evening (commute). Just to make sure the battery is still good.


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    #21
    MIKEKC
    Registered Users Posts: 1,138 ✭✭✭MIKEKC


    unkel wrote: »
    It's very important to drive your classic up to several times a week. Sometimes even for a quick drive first thing in the morning and then another quick drive in the evening (commute). Just to make sure the battery is still good.

    I can't understand all the talk about the requirement to have vehicle NCTd .Its the law no way around it


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    #22
    unkel
    Registered Users Posts: 64,901 ✭✭✭✭unkel


    MIKEKC wrote: »
    I can't understand all the talk about the requirement to have vehicle NCTd .Its the law no way around it

    NCT as a mandatory safety and compliance check is good. Insurance companies stating you can only drive your car to shows is bad.


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    #23
    MIKEKC
    Registered Users Posts: 1,138 ✭✭✭MIKEKC


    unkel wrote: »
    NCT as a mandatory safety and compliance check is good. Insurance companies stating you can only drive your car to shows is bad.

    My FBD insurance policy doesn't confine driving to shows only


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    #24
    MrCostington
    Registered Users Posts: 1,246 ✭✭✭MrCostington


    RobAMerc wrote: »
    I've since moved to Autoline, as the FBD one is the very lowest form of 3rd party

    The plot thickens.. Just looking at my renewal now, I have comprehensive and open drive (as in someone can drive my car, not I can drive another car).

    No mention of NCT or club, but they did take my club number last year.

    In the info booklet (well, 1 page) it says in the left column covered for SD&P including show and display. Then in the right column under the heading "restrictions" if says the policy is suitable for show and display only - you need to tell us if you are using it for any other purpose.

    As I said I have email confirmation of SD&P from last year.

    Very inconsistent, contradicting themselves on the same page! But, when I took it out last year they were the only ones that would A) cover me without a garage (even though I have use of an underground) and B) let me drive to work.


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    #25
    w124man
    Registered Users Posts: 2,307 ✭✭✭w124man


    I've been with AXA for years. My classic policy was renewed last month with 3 cars on it, full European cover for 31 days at a time, fully comp with 3 named drivers and I can tow a trailer! My 'daily driver' is a 1995 Merc which I renewed last week - all in €720. As long as they have an NCT they are covered for road use, if they dont they are covered for 'laid up cover' only


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    #26
    MIKEKC
    Registered Users Posts: 1,138 ✭✭✭MIKEKC


    w124man wrote: »
    I've been with AXA for years. My classic policy was renewed last month with 3 cars on it, full European cover for 31 days at a time, fully comp with 3 named drivers and I can tow a trailer! My 'daily driver' is a 1995 Merc which I renewed last week - all in €720. As long as they have an NCT they are covered for road use, if they dont they are covered for 'laid up cover' only

    What is the position with older cars that don't legally need an NCT?


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    #27
    unkel
    Registered Users Posts: 64,901 ✭✭✭✭unkel


    MIKEKC wrote: »
    What is the position with older cars that don't legally need an NCT?

    The position is that they don't need an NCT! :p


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    #28
    galwaytt
    Registered Users Posts: 12,761 ✭✭✭✭galwaytt


    MIKEKC wrote: »
    What is the position with older cars that don't legally need an NCT?

    ...might be they would go back to pre-NCT practice of asking for an Engineer's Report.....

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



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    #29
    MIKEKC
    Registered Users Posts: 1,138 ✭✭✭MIKEKC


    unkel wrote: »
    The position is that they don't need an NCT! :p

    I thought you would have read that in my post. Will they continue to insure without it ?


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    #30
    w124man
    Registered Users Posts: 2,307 ✭✭✭w124man


    MIKEKC wrote: »
    What is the position with older cars that don't legally need an NCT?

    I'll know in eight years time if I choose not to NCT the oldest car. I will present my cars every two years for their NCT irrespective of their age as I believe its the right thing to do.

    Insurance companies can't insist on something that is not currently required by law


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    #31
    galwaytt
    Registered Users Posts: 12,761 ✭✭✭✭galwaytt


    w124man wrote: »
    Insurance companies can't insist on something that is not currently required by law

    Well, they kinda can.

    Once upon ago, they used to insist on an Engineer's Report. NCT made that easier. If you have to go back to that it's going to be more expensive, every year.

    And, being a private company, they can lay down whatever terms they like: look at all those mainstream companies who won't insure cars over a certain age at all.....

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



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