Car insurance for >15 year old cars

Eggs For Dinner · 25-02-2020 8:37am

Premeditated Joke wrote: »

How does that make you less likely to have a crash? Is long years of ownership ever even considered to be less risky by other insurers? I'd say they realised you paid your penance and decided to give you a break, and used that as their excuse for dropping the price.

Some people buy older cars in order to stage accidents. Long ownership of an older car helps an insurer exclude you from that profile.

Means Of Escape · 25-02-2020 4:51pm

jmreire wrote: »

Sorry, I've passed the 21 year milestone many years ago, so I've no idea. But even if my knowledge is not up to date.....if I was in your shoes, I would be inclined to pick some other make and model than a BMW E46 ( lovely car BTW ) I'd be very interested in how you get on...one of the grand kids is coming up to licence age now, and soon the car and insurance issue, will appear.
Good luck with it.

There is a scale insurance companies use for car models and the E46 would be on a higher band for premium
If he could park it up for a few years and build up his ncb on a smaller cc car it would be better

FionnK86 · 16-03-2020 1:59pm

NewbridgeIR wrote: »

€585 for renewal of comprehensive policy - 21 year old Corolla. Allianz.

I checked for mine today on Allianz website but nothing over 15 years for new policies.

Anyone know anywhere taking new policies for below.

My details:

2001
1 litre
Toyota Yaris (5dr)
2 years NCB with Liberty
4 years Named Driving experience with 123.ie/Chill
Licence held: 4 years
Occupation: Engineer
Area kept overnight: Private property in Kildare
Annual mileage: <5000
Car value: €400
Penalty points: 0 (for named drivers)
Named Drivers: Parents, over 10 years with licence

My quotes (€):

Renewal (Liberty): 900
AXA: 790
Campion: No quote: too old (phonecall)
25plus.ie : No quote: unknown (online)
Allianze : No quote: too old (online)

tuxy · 16-03-2020 5:23pm

Would be nice if we could get a sticky of companies taking new policies on old cars.
I know the list will be short but it would be very useful.

Axa and Liberty are the only ones I'm fairly sure on.

FionnK86 · 16-03-2020 5:40pm

tuxy wrote: »

Would be nice if we could get a sticky of companies taking new policies on old cars.
I know the list will be short but it would be very useful.

Axa and Liberty are the only ones I'm fairly sure on.

Yes, add AA & Aviva - I've got quotes back on them, in full:

My quotes (€):

Renewal (Liberty): 900
AXA: 790
Aviva: 716
AA: 848.57
Campion: No quote: too old (phonecall)
25plus.ie : No quote: unknown (online)
Allianz : No quote: too old (online)

tuxy · 16-03-2020 7:56pm

AA is always the one I forgot. My renewal is in one month, I'll be sure to call them this time.

FionnK86 · 18-03-2020 12:58pm

tuxy wrote: »

AA is always the one I forgot. My renewal is in one month, I'll be sure to call them this time.

AA can't combine 2 years own & 4 years named experience, so have revised up to €848.57. :mad:

Aviva lowest now for me at €716.66, which is at 2 years experience.

Anyone else know of any good companies?

I wonder if situation with virus will reduce policy costs.

Cork Trucker · 18-03-2020 1:21pm

FionnK86 wrote: »

AA can't combine 2 years own & 4 years named experience, so have revised up to €848.57. :mad:

Aviva lowest now for me at €716.66, which is at 2 years experience.

Anyone else know of any good companies?

I wonder if situation with virus will reduce policy costs.

Did you try AXA? Remember, cheapest is not necessarily best.

Doubt the costs will come down as a result of the virus, petrol and diesel already have. What we will see before the year is out though is increases in fuel and motor tax to make up the shortfall in the government coffers

FionnK86 · 18-03-2020 1:29pm

Cork Trucker wrote: »

Did you try AXA? Remember, cheapest is not necessarily best.

Doubt the costs will come down as a result of the virus, petrol and diesel already have. What we will see before the year is out though is increases in fuel and motor tax to make up the shortfall in the government coffers

Yes, refer to above post #757, AXA: 790.

I'll be 26 tomorrow, so I'll see if that change of a day impacts premium at all & if so, post results.

The drop of 10% each year with AA seems promising, but they'll probably increase Base Premiums next year to cover losses.

Some good citizen working from home might be able to spreadsheet together a calculator but I doubt I'll be able too.

Cork Trucker · 18-03-2020 1:40pm

FionnK86 wrote: »

Yes, refer to above post #757, AXA: 790.

I'll be 26 tomorrow, so I'll see if that change of a day impacts premium at all & if so, post results.

The drop of 10% each year with AA seems promising, but they'll probably increase Base Premiums next year to cover losses.

Some good citizen working from home might be able to spreadsheet together a calculator but I doubt I'll be able too.

I’m on the mobile, posts not numbered. The extra year might help you, then again it’s a lottery

galwaytt · 18-03-2020 1:57pm

Today's spend:

53, full licence, 0 points, full NCB, +52 SO, full licence, 3 points, full NCB

2003 Porsche 996 Cabrio - Full Comp, incl DOV & Business Use, Agreed value of €31k
2001 Audi TT Coupé - Full Comp, incl DOV & Business Use, Agreed value of €4.5k
Total € 905

FionnK86 · 18-03-2020 5:22pm

Cork Trucker wrote: »

I’m on the mobile, posts not numbered. The extra year might help you, then again it’s a lottery

No bother.

One thing that irks me about ringing around.

When I ring brokers, 3 of the agents for different companies said 'oh you won't get better than your offer of €900 renewal from Liberty, so we won't quote'.

These are brokers with Aviva/AA/AXA on their websites, all of whom I've found cheaper quotes with.

They shouldn't pass comment on whether you'd get a better quote, it's misinformation. :mad:

ARGINITE · 27-03-2020 3:12pm

Who do people use for pre 2000 cars that they want to daily drive no a normal policy not a classic policy?

NewbridgeIR · 27-03-2020 6:17pm

ARGINITE wrote: »

Who do people use for pre 2000 cars that they want to daily drive no a normal policy not a classic policy?

Allianz for my 1999 car but I have been with them for years so they will renew but I don't know if they will take on new customers.

tuxy · 29-03-2020 11:51am

Just got my renewal quote with axa for for 97 starlet. I'm 37 with full no claims bonus.
€687 compared to €740 last year.
I'll ring Liberty and AA and see if they can do better but my guess is they can't.

SCOOP 64 · 29-03-2020 12:33pm

tuxy wrote: »

Just got my renewal quote with axa for for 97 starlet. I'm 37 with full no claims bonus.

€687 compared to €740 last year.
I'll ring Liberty and AA and see if they can do better but my guess is they can't.
Will you even get a quote from them with a 97, if you do keep as posted.

tuxy · 29-03-2020 12:55pm

SCOOP 64 wrote: »

Will you even get a quote from them with a 97, if you do keep as posted.

They were the only two companies I know of others have had success with on cars of that age.

thomas anderson. · 02-04-2020 9:07pm

Renewed today with AXA for 530 on a 93 mazda

SCOOP 64 · 02-04-2020 9:17pm

thomas anderson. wrote: »

Renewed today with AXA for 530 on a 93 mazda

New customer?

Cork Trucker · 02-04-2020 9:20pm

thomas anderson. wrote: »

Renewed today with AXA for 530 on a 93 mazda

Is that the same one that you had taken from you a few years ago? Glad to see you got it back/still have it.

tuxy · 02-04-2020 10:12pm

SCOOP 64 wrote: »

New customer?

Renewed

I think I will have to take the renewal quote from AXA, AA are not taking new customers until things return to normal and it's impossible to get through to liberty on the phone.

thomas anderson. · 02-04-2020 10:49pm

Cork Trucker wrote: »

Is that the same one that you had taken from you a few years ago? Glad to see you got it back/still have it.

Haha yeah same one. Was just about to bite the bullet on a new Korean **** box before the virus hit.

That mazda will be the death of me. Stolen 3 times and broken into twice. Have managed to keep her going but the break ins took their toll.

fin12 · 20-04-2020 12:30am

Got renewal quote from Aviva for 00 Yaris, 6 years no claims bonus, €710.

Will be hoping to get it lower.

shaveAbullock · 21-04-2020 4:17pm

Just after calling liberty and they no longer offer new policies for cars over 20 years old.

Do axa still offer new policies on cars over 20 years old?

Does any company?

ARGINITE · 22-04-2020 8:57am

A few weeks ago I was looking for quotes on a 1995 car (new policy) and Munster group insurance got me a quote. They could be worth a try.

shaveAbullock · 23-04-2020 1:46pm

ARGINITE wrote: »

A few weeks ago I was looking for quotes on a 1995 car (new policy) and Munster group insurance got me a quote. They could be worth a try.

That's a broker isn't it?
Who was the underwriter on your policy?

ARGINITE · 23-04-2020 3:10pm

Yes they are a broker, I have no idea who the underwriter was.

BronsonTB · 23-04-2020 3:39pm

ARGINITE wrote: »

Yes they are a broker, I have no idea who the underwriter was.

It will be stated on your insurance certificate as this cannot be a broker.

ARGINITE · 23-04-2020 4:18pm

Never went ahead with the car purchase so don't have an insurance certificate

fin12 · 25-04-2020 1:36pm

https://m.independent.ie/business/personal-finance/motor-insurers-to-offer-rebates-to-customers-amid-coronavirus-pandemic-39154607.html

Anyone know anything about this, said motor insurers to offer rebates to customers.

My renewal quote is up a €100 last year, can I bring up the Coronavirus, why my insurance should be reduced?

Cork Trucker · 26-04-2020 10:43am

fin12 wrote: »

https://m.independent.ie/business/personal-finance/motor-insurers-to-offer-rebates-to-customers-amid-coronavirus-pandemic-39154607.html

Anyone know anything about this, said motor insurers to offer rebates to customers.

My renewal quote is up a €100 last year, can I bring up the Coronavirus, why my insurance should be reduced?

I'm watching this with close interest myself, just paid my full years premium on Thursday. I'll gladly take some of it back.

Car99 · 14-05-2020 10:28am

Loading car insurance because of age is so annoying.

We have two Audi A4 estates in our house one is 2008 1.9tdi 115bhp and the other is 2014 2.0tdi 163bhp.

Myself and my wife are both in our 40's each with 20 years claims free driving on full licence. On each car we are both named as drivers with NCB protected.

Renewal fully comp for the 2014 is €470

Renewal fully comp for the 2008 is €833

Nearly double for less powerful , less valuable but equally well maintained older car. What a load of crap. Rant over.

frozenfrozen · 16-06-2020 9:15pm

I have a fine 05 skoda super 1.9 100bhp, was getting insured for around 800 on it for a couple years. Left it lapse for 1 year and now they want 2400+ for it, if anyone quotes at all
25 years old, 5 years license 3 years ncb 2 years named driver.

put in quotes for 335i, audi s8, 7 series, anything random with a big engine and chill always says 938 euro fully comp. It's a sign i have to get rid of the superb and get something noice

BronsonTB · 17-06-2020 8:46am

frozenfrozen wrote: »

I have a fine 05 skoda super 1.9 100bhp, was getting insured for around 800 on it for a couple years. Left it lapse for 1 year and now they want 2400+ for it, if anyone quotes at all
25 years old, 5 years license 3 years ncb 2 years named driver.

put in quotes for 335i, audi s8, 7 series, anything random with a big engine and chill always says 938 euro fully comp. It's a sign i have to get rid of the superb and get something noice

Ouch, no good now, but it's so important not to let a policy lapse on an older vehicle. Once you do, new business rules apply & these can be very different than when a policy was first taken out.
I know I got stung this way when my policy was out by 2 months. I still had valid NCD but the new business rules applied to me taking out a new policy. As the car was no longer approved by the underwriter for new business, they refused cover.

frozenfrozen · 18-06-2020 12:09pm

BronsonTB wrote: »

Ouch, no good now, but it's so important not to let a policy lapse on an older vehicle. Once you do, new business rules apply & these can be very different than when a policy was first taken out.

yep but to be fair to me I tried to suspend the policy but they wouldn't allow it and wasn't sure when I'd need a car again. Also wasn't sure what I'd have to disclose to them about a different accident so just renewing wasn't an option.

Between a bit of a rock and a hard place now as total cost of ownership for everything is so much higher than keeping the known quantity that is my superb.

Did a few more hours of quotes yesterday and the highest was 3666.66 euro on the superb and that was with a discount

shaveAbullock · 18-06-2020 12:15pm

What's the best quote you got?

frozenfrozen · 18-06-2020 12:17pm

shaveAbullock wrote: »

What's the best quote you got?

best quote is still I think 2400. So many of them won't even quote

A Law · 07-08-2020 9:31am

Age: 34
NCB: 9+ years
License: Full irish
Car: 2000 BMW 318ci
Cover: Comprehensive
Additionals: NCP, Wife as named driver with 9+ no claims.
Old Insurer: 123
Price for last year: €384 TPFT
Renewal: €438 TPFT
New Policy: 123 for €500 fully comp and NCP. Played around with the online generator before I rang. Car value of €7000! and manually putting in my address instead of used my eircode was a €200 difference for the online quote as a new customer.

galwaytt · 07-09-2020 10:13am

Age: 53
NCB: 10+ years (actually, 33 years - never had a car claim ever)
License: Full Irish 32 years
Car: 2006 Clio 1.2 Monaco
Cover: Comprehensive
Insurer: Chill.ie
Quote: € 2500

I just checked the NCT on my car, to see how many miles I did in 12 months: 2,400 miles.

Somebody is pulling the Pi$$ at the pricing above.

A Law · 07-09-2020 12:29pm

galwaytt wrote: »

Age: 53
NCB: 10+ years (actually, 33 years - never had a car claim ever)
License: Full Irish 32 years
Car: 2006 Clio 1.2 Monaco
Cover: Comprehensive
Insurer: Chill.ie
Quote: € 2500

I just checked the NCT on my car, to see how many miles I did in 12 months: 2,400 miles.

Somebody is pulling the Pi$$ at the pricing above.

My MIL has the exact same details as you other than she's female and it's a 07 Monaco. Her renewal with Aviva was less than 400 this year.

shocksy · 07-09-2020 12:37pm

Age: 36 Male
NCB: 0 years
License: Full Irish Licence 18 months
Car: 2003 Toyota Corolla 1.4 petrol
Cover: Fully Comprehensive
Insurer: AXA
Quote: €960 (renewal)

corcaigh1 · 08-09-2020 2:04pm

shocksy wrote: »

Age: 36 Male
NCB: 0 years
License: Full Irish Licence 18 months
Car: 2003 Toyota Corolla 1.4 petrol
Cover: Fully Comprehensive
Insurer: AXA
Quote: €960 (renewal)

F*cking ridiculous :mad: how do you have nil NCB on a renewal premium!?

Miscreant · 18-09-2020 8:47am

corcaigh1 wrote: »

F*cking ridiculous :mad: how do you have nil NCB on a renewal premium!?

An open claim or a claim within the last insurance period which wiped out the "No claims bonus" perhaps? I think that is how they work.

phester28 · 13-10-2020 9:55am

Age: 40
NCB: 9+ years
License: Full irish
Car: 2000 BMW 318i
Cover: Comprehensive
Additionals: NCP, Wife as named driver with 9+ no claims.

Chill Insurance
Price for last year: €715 fully comp
Renewal: €850

Only axa and ivernia (chill) are quoting old cars

A Law · 13-10-2020 11:12am

phester28 wrote: »

Age: 40
NCB: 9+ years
License: Full irish
Car: 2000 BMW 318i
Cover: Comprehensive
Additionals: NCP, Wife as named driver with 9+ no claims.

Chill Insurance
Price for last year: €715 fully comp
Renewal: €850

Only axa and ivernia (chill) are quoting old cars

Did you try 123?

Age: 34
NCB: 9+ years
License: Full irish
Car: 2000 BMW 318ci
Cover: Comprehensive
Additionals: NCP, Wife as named driver with 9+ no claims.
Old Insurer: 123
Price for last year: €384 TPFT
Renewal: €438 TPFT
New Policy: 123 for €500 fully comp and NCP. Played around with the online generator before I rang. Car value of €7000! and manually putting in my address instead of used my eircode was a €200 difference for the online quote as a new customer.

evosteo · 15-10-2020 4:58pm

Age: 36
NCB: 9+ years
License: Full irish
Car: 2008 1.4 toyota auris
Cover: TPFT
Additionals: NCP, female partner as named driver with 9+ no claims.

Chill Insurance
Price for last year: €730 TPFT
Renewal: €815

Got the best quote from 123.ie €370.77 TPFT with break down assistance

Swiftly signed up for that.

phester28 · 16-10-2020 10:59pm

123 not quoting for 98 cars. Well not my 318i

SCOOP 64 · 17-10-2020 2:22pm

phester28 wrote: »

123 not quoting for 98 cars. Well not my 318i

Think 123 will quote cars up to 15 years, wont quote my 98 but will quote wife's 2008.

phester28 · 09-11-2020 1:20pm

joefuss1986 wrote: »

Age: 34
NCB: 9+ years
License: Full irish
Car: 2000 BMW 318ci
Cover: Comprehensive
Additionals: NCP, Wife as named driver with 9+ no claims.
Old Insurer: 123
Price for last year: €384 TPFT
Renewal: €438 TPFT
New Policy: 123 for €500 fully comp and NCP. Played around with the online generator before I rang. Car value of €7000! and manually putting in my address instead of used my eircode was a €200 difference for the online quote as a new customer.

You mean not using Eircode and upping the value of the car decreased the quote by 200?? FYI my 1998 e36 BMW 318i is now only getting quotes from axa and chill and neither are cheap up from 700 last year to 850 now. No way to bring it down. Full clean NCB etc

cplwhisper · 09-11-2020 1:46pm

phester28 wrote: »

You mean not using Eircode and upping the value of the car decreased the quote by 200?? FYI my 1998 e36 BMW 318i is now only getting quotes from axa and chill and neither are cheap up from 700 last year to 850 now. No way to bring it down. Full clean NCB etc

Not using eircode will nul quote as risk of address denotes part of the equation. It’s like telling the insurer u park in garage nightly instead of on roadside in risk tally.
Just a heads up

Car insurance for >15 year old cars

Comments