Car insurance for >15 year old cars

SCOOP 64 · 06-04-2019 11:20pm

physioman wrote: »

Did you try Aviva. My 01 golf is insured with them

Only if your already with them, wont insure cars over 16 years old for new customers.

tuxy · 06-04-2019 11:25pm

SCOOP 64 wrote: »

Only if your already with them, wont insure cars over 16 years old for new customers.

Are you sure? They claim to be a new customer.

ToxicPaddy · 06-04-2019 11:28pm

AXA are insuring my 18yo car without any issue and have come back the last 2 years with the best quote by a mile so I've stuck with them.

Have fully comp with some extras added in and it's under €500 a year.

SCOOP 64 · 06-04-2019 11:29pm

tuxy wrote: »

Are you sure? They claim to be a new customer.

i have a 2008 zafira insured with them, rang for a quote for my wife's 1998 Astra, told over 16 years old so no quote.
edit, sorry did not read vargoo post, this was 2 months ago i rang for quote, so maybe its changed.

SCOOP 64 · 06-04-2019 11:33pm

ToxicPaddy wrote: »

AXA are insuring my 18yo car without any issue and have come back the last 2 years with the best quote by a mile so I've stuck with them.

Have fully comp with some extras added in and it's under €500 a year.

will they insure new customers for old cars?

pablo128 · 06-04-2019 11:40pm

I got my renewal from Allianz for my 05 Avensis. It has jumped from 600 to 950. The lowest quote I've gotten elsewhere so far is 640 from 123.ie.

tuxy · 09-04-2019 5:26pm

Well I'm back with some good and bad news.
I went back a few pages on this thread and took note of the companies that had given good quotes to people in 2018.
I can only find two companies that will give me a quote my current insurer and AXA.

The good news is AXA was a very competative quote at €765
I then rang Liberty and told them about the AXA quote but the best they could do is €877

The bad is that only having two companies that will quote me really limits my options. It look like the time is up for people wanting to drive older cars and soon the only options left will be to either insure it as a classic and own another more modern as well car or scrape it

beertons · 09-04-2019 8:51pm

Fbd sent me post today. Renewal due. I've had this car 15 years. 712.55 for a 03 1.9 golf. Surely someone can do better than that. I barely do 6000 miles a year.

pablo128 · 09-04-2019 9:11pm

pablo128 wrote: »

I got my renewal from Allianz for my 05 Avensis. It has jumped from 600 to 950. The lowest quote I've gotten elsewhere so far is 640 from 123.ie.

I've just gone ahead with 123.ie for 648 euro. It was pretty clear that I wasn't going to get a cheaper quote elsewhere. The next nearest quote was 750. Some chancers were looking for 1400. I used to pay less than 400 on this very car.:mad:

tuxy · 09-04-2019 9:21pm

beertons wrote: »

Fbd sent me post today. Renewal due. I've had this car 15 years. 712.55 for a 03 1.9 golf. Surely someone can do better than that. I barely do 6000 miles a year.

Well you can try Liberty and AXA at least they will quote you. Insurance companies just don't want customers who own older cars.

pablo128 wrote: »

I've just gone ahead with 123.ie for 648 euro. It was pretty clear that I wasn't going to get a cheaper quote elsewhere. The next nearest quote was 750. Some chancers were looking for 1400. I used to pay less than 400 on this very car.:mad:

123 won't quote new customers on older cars so you are lucky they gave you a reasonable renewal rate.

I have until the end of the month to get a renewal so if anyone one else can suggest other companies please do so.
Here's who I've tried and could not get a quote

Chill
123
AVIVA
BOI
AA

physioman · 09-04-2019 9:24pm

beertons wrote: »

Fbd sent me post today. Renewal due. I've had this car 15 years. 712.55 for a 03 1.9 golf. Surely someone can do better than that. I barely do 6000 miles a year.

Try Aviva.

SCOOP 64 · 09-04-2019 9:27pm

physioman wrote: »

Try Aviva.

Are they doing insurance for older cars again, was mentioned in another post that they are, wondered did anyone get a quote?

pablo128 · 09-04-2019 9:29pm

tuxy wrote: »

Well you can try Liberty and AXA at least they will quote you. Insurance companies just don't want customers who own older cars.

123 won't quote new customers on older cars so you are lucky they gave you a reasonable renewal rate.

I have until the end of the month to get a renewal so if anyone one else can suggest other companies please do so.
Here's who I've tried and could not get a quote

Chill
123
AVIVA
BOI
AA

It wasn't a renewal. It was new business to them. I was with Allianz for the previous 5 years.

physioman · 09-04-2019 9:31pm

SCOOP 64 wrote: »

Are they doing insurance for older cars again, was mentioned in another post that they are, wondered did anyone get a quote?

I did for a 01 golf last year

SCOOP 64 · 09-04-2019 9:32pm

pablo128 wrote: »

It wasn't a renewal. It was new business to them. I was with Allianz for the previous 5 years.

So Aviva said no ,was that recently?

pablo128 · 09-04-2019 9:34pm

SCOOP 64 wrote: »

So Aviva said no ,was that recently?

?? I think you meant that for another poster?

Ok my car is 'only' 14 years old but I didn't get refused a quote off any of the companies I asked, including Aviva.. Online only. I didn't phone any.

SCOOP 64 · 09-04-2019 9:34pm

physioman wrote: »

I did for a 01 golf last year

so 17yrs old , i tried on my 98 Astra a while back said no too old,
was quote any good ?

SCOOP 64 · 09-04-2019 9:37pm

pablo128 wrote: »

?? I think you meant that for another poster?

Ok my car is 'only' 14 years old but I didn't get refused a quote off any of the companies I asked. Online only. I didn't phone any.

sorry thought you were not getting quotes at all,

Aviva will insure up to 16 years, not sure if its change now.

tuxy · 09-04-2019 9:38pm

pablo128 wrote: »

It wasn't a renewal. It was new business to them. I was with Allianz for the previous 5 years.

How old is your car? 123 wouldn't quote me today on a 1997 same with AVIVA they also refused to quote me today.

SCOOP 64 · 09-04-2019 9:42pm

tuxy wrote: »

How old is your car? 123 wouldn't quote me today on a 1997 same with AVIVA they also refused to quote me today.

well that answers my question then, Aviva still refusing quotes for old car.

tuxy · 09-04-2019 9:48pm

SCOOP 64 wrote: »

well that answers my question then, Aviva still refusing quotes for old car.

Yup it's fairly well known. I knew I was wasting my time calling then but did so just so I could report back here.

BexieB · 09-04-2019 10:05pm

This question might already have been asked. But any time you get car insurance you must declare that you have not been refused cover in the past. Do these failures to get quotes constitute a refusal of cover?

tuxy · 09-04-2019 10:12pm

BexieB wrote: »

This question might already have been asked. But any time you get car insurance you must declare that you have not been refused cover in the past. Do these failures to get quotes constitute a refusal of cover?

No, a company having a policy like this to not cover old cars is not them refusing you personally.

beertons · 09-04-2019 10:29pm

I thought I'd be nearing a vintage quote at this stage. I'll report back tomorrow.

BexieB · 09-04-2019 10:38pm

Just found this company , nonstandardinsurance.ie.. Might be worth a go. I’ve got my 2000 Classic mini insured with AXA. They took me on as a new customer last year. AXA seem to be the only direct insurer who will take on new business. If it was becoming a big issue I’d scour the broker market. Not just the well known ones, there are many small provincial brokers that don’t feature in the upper results of a google search.

beertons · 18-04-2019 4:59pm

beertons wrote: »

Fbd sent me post today. Renewal due. I've had this car 15 years. 712.55 for a 03 1.9 golf. Surely someone can do better than that. I barely do 6000 miles a year.

Got them down to 655 over the phone. Happy enough with that.

vargoo · 29-04-2019 11:33pm

Has their been an updated list posted lately?

Mines the big 15 this year.

tuxy · 29-04-2019 11:40pm

vargoo wrote: »

Has their been an updated list posted lately?

Mines the big 15 this year.

There hasn't because the list is now tiny. Axa seems to be the only main broker covering cars over 15-16 years old.
Can anyone confirm if Liberty still take on new customers with old cars?

evosteo · 30-04-2019 12:18am

Its some scandal this, cannot drive legally on the roads in this country without insurance yet if your car is 15 years or older its basically tough ****, you cant get insured, feck off and buy a newer car. Iv seen plenty of cracking looking cars over 15years old in fantastic condition, passing the nct without any bother 1st time most times but the insurance cartel in this country has decided, nope, no insurance for you. Another tribunal into brown envelopes passed between certain people is surely on the horizon. How has this been allowed to progress to this stage? Your car is esentially worthless once it hits the big 15?

grogi · 30-04-2019 9:14am

evosteo wrote: »

Its some scandal this, cannot drive legally on the roads in this country without insurance yet if your car is 15 years or older its basically tough ****, you cant get insured, feck off and buy a newer car. Iv seen plenty of cracking looking cars over 15years old in fantastic condition, passing the nct without any bother 1st time most times but the insurance cartel in this country has decided, nope, no insurance for you. Another tribunal into brown envelopes passed between certain people is surely on the horizon. How has this been allowed to progress to this stage? Your car is esentially worthless once it hits the big 15?

It's the other way round - on average a 15 years old car is worthless. And because of that it poses far too much risk for the insurer.

corcaigh1 · 30-04-2019 9:34am

grogi wrote: »

It's the other way round - on average a 15 years old car is worthless. And because of that it poses far too much risk for the insurer.

Why is that? Have you valid statistics that you can allude to and share here please that vehicles of a certain age category pose too much of a risk to underwriters?

vargoo · 30-04-2019 8:55pm

tuxy wrote: »

There hasn't because the list is now tiny. Axa seems to be the only main broker covering cars over 15-16 years old.
Can anyone confirm if Liberty still take on new customers with old cars?

Yup they do.

They just gave me a stupid quote, so did chill.

tuxy · 30-04-2019 9:10pm

vargoo wrote: »

Yup they do.

They just gave me a stupid quote, so did chill.

Chill won't quote me at all, the guy on the phone actually recommended I call AXA direct. Or maybe he was just being sound and knew I would get a better quote going directly rather than using chill.

vargoo · 30-04-2019 9:12pm

vargoo wrote: »

Yup they do.

They just gave me a stupid quote, so did chill.

And FBD
Campion
First Ireland
Its 4 women
AXA

Im flying through these....onward.

vargoo · 30-04-2019 9:15pm

tuxy wrote: »

Chill won't quote me at all, the guy on the phone actually recommended I call AXA direct. Or maybe he was just being sound and knew I would get a better quote going directly rather than using chill.

AXA direct is nearly €1500 for me...hahaha

Nearly all of them are around the thousand mark, I was in the 3** last year.

vargoo · 30-04-2019 9:26pm

vargoo wrote: »

And FBD
Campion
First Ireland
Its 4 women
AXA

Im flying through these....onward.

Hold the phone PostInsurance are in the 4**!!! They've always been silly price for me in the past, nearly wasn't gonna bother trying.

Not bad cover either, breakdown assist/windscreen/stepback, no sign of driving other cars though...wonder does it have it...

vargoo · 30-04-2019 9:36pm

vargoo wrote: »

And FBD
Campion
First Ireland
Its 4 women
AXA

Im flying through these....onward.

Sheridan (crap site)
An Post

Quote Devil (Have to ring me back)

Procrastination setting in, I'll try Britton in a bit.

grogi · 01-05-2019 1:55am

corcaigh1 wrote: »

Why is that? Have you valid statistics that you can allude to and share here please that vehicles of a certain age category pose too much of a risk to underwriters?

You didn't get that. It is not about age, but value.

If a vehicle is too cheap, it is far more probable to be used in fraud. Virtually nobody would crash a €50k car on purpose. Crashing a €1k banger is much more profitable business.

There are other issues with older cars, such as reduced passive and active safety - less airbags, less safety systems etc - or improper maintenance - the cheaper the car, the more string is used in keeping it on the road. But they are far less significant than the first problem.

You might expect that insurance companies would fight fraud. They do. But they also limit the expose by not insuring old cars.

corcaigh1 · 02-05-2019 4:03pm

grogi wrote: »

You didn't get that. It is not about age, but value.

If a vehicle is too cheap, it is far more probable to be used in fraud. Virtually nobody would crash a €50k car on purpose. Crashing a €1k banger is much more profitable business.

There are other issues with older cars, such as reduced passive and active safety - less airbags, less safety systems etc - or improper maintenance - the cheaper the car, the more string is used in keeping it on the road. But they are far less significant than the first problem.

You might expect that insurance companies would fight fraud. They do. But they also limit the expose by not insuring old cars.

Nonsense, the insurance companies or nobody else for that matter has produced factual evidence to say that older vehicles of little monetary value are likely to be used in fraudulent activity or that they are more likely to be involved in road traffic accidents...

So again please point me to the evidence??

Eggs For Dinner · 03-05-2019 9:04am

corcaigh1 wrote: »

So again please point me to the evidence??

The evidence is that a lot of insurance companies will not take the business at any price. Does that not prove something? Rant and rave all you like, but if an insurer thought they could make a profit on attracting older cars on their books, they would be over it like a rash

corcaigh1 · 09-05-2019 3:11pm

Eggs For Dinner wrote: »

The evidence is that a lot of insurance companies will not take the business at any price. Does that not prove something? Rant and rave all you like, but if an insurer thought they could make a profit on attracting older cars on their books, they would be over it like a rash

There are still a number of insurers quoting for older vehicles albeit at higher premium costs.

You work in the insurance industry so im sure you may have access to statistical factual evidence that older vehicles are more of a risk to insure?

tuxy · 09-05-2019 3:45pm

corcaigh1 wrote: »

There are still a number of insurers quoting for older vehicles albeit at higher premium costs.

Can you list the ones you know? Axa, An post and maybe liberty were all I could find. The vast majority would not quote me at any price.

Eggs For Dinner · 09-05-2019 4:26pm

corcaigh1 wrote: »

There are still a number of insurers quoting for older vehicles albeit at higher premium costs.

You work in the insurance industry so im sure you may have access to statistical factual evidence that older vehicles are more of a risk to insure?

I don't have access to the data, but I know how insurers operate. If they can't run their book of older vehicles at a break-even or profit, they will refuse to quote or price it at a level that they think people would be foolish to pay in the hope you will bugger off. If you pay what they ask, they will reluctantly accept it.

Also, people are fixated on the older vehicle being the sole issue. It isn't. Insurers are saying that the older car is a factor in higher than normal claims. It could be that the expensive claims involve older car, combined with a particular demographic, culture, sex, nationality etc. However, insurers are not allowed refuse cover or load for those reasons, so the age of vehicle is quoted. They will accept that they will lose good risks, if it keeps the crap off their books

corcaigh1 · 09-05-2019 4:59pm

Eggs For Dinner wrote: »

I don't have access to the data, but I know how insurers operate. If they can't run their book of older vehicles at a break-even or profit, they will refuse to quote or price it at a level that they think people would be foolish to pay in the hope you will bugger off. If you pay what they ask, they will reluctantly accept it.

Also, people are fixated on the older vehicle being the sole issue. It isn't. Insurers are saying that the older car is a factor in higher than normal claims. It could be that the expensive claims involve older car, combined with a particular demographic, culture, sex, nationality etc. However, insurers are not allowed refuse cover or load for those reasons, so the age of vehicle is quoted. They will accept that they will lose good risks, if it keeps the crap off their books

Nowhere else in the world is insurance refused on the basis of vehicle age. The insurance industry is not providing the statistical and factual evidence that older vehicles are more of a risk to underwrite because it is nonsense.

The dogs on the street know it is nothing more that a systematic attempt by the the insurance industry and government to force owners into scrapping older perfectly good roadworthy vehicles whilst bearing the cost of upgrading to newer vehicles. In turn it is a win win in terms of returns to the exchequer.

corcaigh1 · 09-05-2019 5:33pm

tuxy wrote: »

Can you list the ones you know? Axa, An post and maybe liberty were all I could find. The vast majority would not quote me at any price.

Only know of those listed in this thread, my own is with AXA.

If you are refused take the steps outlined here...

https://www.insuranceireland.eu/consumer-information/general-non-life-insurance/declined-cases-agreement

Eggs For Dinner · 09-05-2019 9:24pm

corcaigh1 wrote: »

Nowhere else in the world is insurance refused on the basis of vehicle age. The insurance industry is not providing the statistical and factual evidence that older vehicles are more of a risk to underwrite because it is nonsense.

The dogs on the street know it is nothing more that a systematic attempt by the the insurance industry and government to force owners into scrapping older perfectly good roadworthy vehicles whilst bearing the cost of upgrading to newer vehicles. In turn it is a win win in terms of returns to the exchequer.

Insurance companies are only interested in the difference between premiums in and claims out. They don't give a flying fig about the age of the national fleet and why would they? Unless of course, older cars cost them more in claims.........

corcaigh1 · 10-05-2019 10:47am

Eggs For Dinner wrote: »

Insurance companies are only interested in the difference between premiums in and claims out. They don't give a flying fig about the age of the national fleet and why would they? Unless of course, older cars cost them more in claims.........

"They don't give a flying fig about the age of the national fleet and why would they?"

Huh? Well seemingly they do....

"Unless of course, older cars cost them more in claims........."

So they claim but they are not backing up these statements with any concrete evidence...

Eggs For Dinner · 10-05-2019 1:45pm

corcaigh1 wrote: »

"They don't give a flying fig about the age of the national fleet and why would they?"

Huh? Well seemingly they do....

"Unless of course, older cars cost them more in claims........."

So they claim but they are not backing up these statements with any concrete evidence...

They don't care about the age of the National fleet, they will just concentrate trying to secure attractive business, which apparently excludes older cars.

What evidence do you want other than NO insurer actively targeting that sector? Do you not see the logic in that statement? You could rock up to most insurers with €5k to spend and they won't take your money if it doesn't fit their brief.

corcaigh1 · 10-05-2019 2:08pm

Eggs For Dinner wrote: »

They don't care about the age of the National fleet, they will just concentrate trying to secure attractive business, which apparently excludes older cars.

What evidence do you want other than NO insurer actively targeting that sector? Do you not see the logic in that statement? You could rock up to most insurers with €5k to spend and they won't take your money if it doesn't fit their brief.

You're missing my point. I want to see the evidence why insurance companies which I might add is a legal requirement in this country for all roadworthy motor vehicles, are categorising perfectly legal and roadworthy older vehicles as not being "attractive business" ?

You already stated you have no evidence or cannot bring evidence to this argument other then what we already know of the industries refusal to cover older vehicles and the fact they are not being challenged to provide reasonable cover though I am aware that a challenge is forthcoming.

So don't come on here flying the flag for you professions industry if you cannot substantiate your views because up to now it is only waffle.

tuxy · 10-05-2019 4:11pm

corcaigh1 wrote: »

So don't come on here flying the flag for you professions industry if you cannot substantiate your views because up to now it is only waffle.

corcaigh1 wrote: »

The dogs on the street know it is nothing more that a systematic attempt by the the insurance industry and government to force owners into scrapping older perfectly good roadworthy vehicles whilst bearing the cost of upgrading to newer vehicles. In turn it is a win win in terms of returns to the exchequer.

Can you substantiate the alliance insurance companies has formed with the government to remove older cars from the road?
Where's the proof and what do the insurance companies have to gain?

Car insurance for >15 year old cars

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