Classic insurance - companies & brokers

mattroche

I keep advising people to GO INTO their local FBD office. I sold my 1999 Mercedes C180 last week to a man, and told him to GO INTO to his local FBD office. They insured it for E150 TPF&F straight away, and gave him his Cert. He was very happy with that. It costs E25 to join a Vintage Club. Promise them that when your other insurances are due for renewal, you will give them a call!!

mikehn

mattroche wrote: »

I keep advising people to GO INTO their local FBD office. I sold my 1999 Mercedes C180 last week to a man, and told him to GO INTO to his local FBD office. They insured it for E150 TPF&F straight away, and gave him his Cert. He was very happy with that. It costs E25 to join a Vintage Club. Promise them that when your other insurances are due for renewal, you will give them a call!!

mattroch is spot on, I did exactly that and paid 130 for 3rd party Mr2.

leftfooter

Is this without being a driver on another vehicle?

mikehn wrote: »

mattroch is spot on, I did exactly that and paid 130 for 3rd party Mr2.

mattroche

Leftfoter, I THINK that you have to have a MAIN Driver, but I am not sure.

9935452

jamesbil wrote: »

Hi all,

anyone know who will do a stand alone classic policy? Looking at an old 94 Audi as a daily driver.

PM skatedude, AFAIK he has a BMW on a classic policy as his main car

metricspaces

mattroche wrote: »

I keep advising people to GO INTO their local FBD office. I sold my 1999 Mercedes C180 last week to a man, and told him to GO INTO to his local FBD office. They insured it for E150 TPF&F straight away, and gave him his Cert. He was very happy with that. It costs E25 to join a Vintage Club. Promise them that when your other insurances are due for renewal, you will give them a call!!

What is the mileage restriction?

metricspaces

pryantcc wrote: »

It's not about the law, it's about the insurer clearly stating what kinds of use is covered. If you go to claim for an accident that happened on your way to work, they can just point to the documentation and tell you to PFO!.

If someone else claims against you and you have exceed your mileage allowance, is it really legally enforceable that the insurance company can turn around and say you aren't insured? Doubt it.

The insurance company could never prove you exceeded the mileage underneath their policy. Lots of people are insured to drive other cars and could have driven your classic car underneath their policy. I think the insurance company would have a hard time proving that one in court.

Any reference to insurance companies actually legally enforcing these conditions or it's just BS to try put people off using cheap classic car insurance for daily drivers?

Henry Ford III

metricspaces wrote: »

If someone else claims against you and you have exceed your mileage allowance, is it really legally enforceable that the insurance company can turn around and say you aren't insured? Doubt it.

The insurance company could never prove you exceeded the mileage underneath their policy. Lots of people are insured to drive other cars and could have driven your classic car underneath their policy. I think the insurance company would have a hard time proving that one in court.

Any reference to insurance companies actually legally enforcing these conditions or it's just BS to try put people off using cheap classic car insurance for daily drivers?

I have to declare the mileage at every renewal.

Henry Ford III

My renewal is up soon.

Ford Escort MkII RS2000. First Ireland are quoting €260 for comp. Is that keen or is it worth ringing around? I always get a few quid off by haggling btw.

Tzardine

Henry Ford III wrote: »

My renewal is up soon.

Ford Escort MkII RS2000. First Ireland are quoting €260 for comp. Is that keen or is it worth ringing around? I always get a few quid off by haggling btw.

They would not quote me for comp. TPFT only. Mk2 Fiesta.

I paid just over €300 with Autoline for comp. So €260 seems good to me.

metricspaces

Henry Ford III wrote: »

I have to declare the mileage at every renewal.

And...

The insurance company could never prove you exceeded the mileage underneath their policy. Lots of people are insured to drive other cars and could have driven your classic car underneath their policy. I think the insurance company would have a hard time proving that one in court.

Henry Ford III

Henry Ford III wrote: »

My renewal is up soon.

Ford Escort MkII RS2000. First Ireland are quoting €260 for comp. Is that keen or is it worth ringing around? I always get a few quid off by haggling btw.

Renewed for €225 after agreeing the valuation to be increased by 50%.

Cost per mile is high but overall it's pretty decent.

9935452

Henry Ford III wrote: »

Henry Ford III wrote: »

My renewal is up soon.

Ford Escort MkII RS2000. First Ireland are quoting €260 for comp. Is that keen or is it worth ringing around? I always get a few quid off by haggling btw.

Renewed for €225 after agreeing the valuation to be increased by 50%.

Cost per mile is high but overall it's pretty decent.

What is the mileage limit on the policy

mountai

Ive 3 cars insured with First Ireland . Austin Healey 300 , Mg TD, and Mk2 Mini . All on Comprehensive and declared mileage of 4000 . I submit mileage at every renewal and have agreed valuation on each . Cost E285.00. Most "Classic" insurance cos wont offer fully comp in my experience . CN refused to quote on the Healey ( too powerful) and when I pointed out their brochure showed a guy standing beside an AH they relented and asked for E1000.00 . Joke !!! . First Ireland , to me are the best .

Henry Ford III

9935452 wrote: »

What is the mileage limit on the policy

2000 p.a.

homingbird

THESE mileage limits are a joke either they cover you or they dont thank god for fbd no mention of limits . How do you manage on a 2000 limit between 3 cars say you are somewhere & need to get home with only 30 miles left on your limit.

JabbaTheHut

homingbird wrote: »

THESE mileage limits are a joke either they cover you or they dont thank god for fbd no mention of limits . How do you manage on a 2000 limit between 3 cars say you are somewhere & need to get home with only 30 miles left on your limit.

I'm assuming it's 2000 mile each car.

I'm with FBD, and was told a limit of 5000. I only take the car out on dry days, so I'll have some job reaching that limit with the weather over that last couple of weeks, and not much for the week coming either, by the looks of things.

Marlow

JabbaTheHut wrote: »

I'm assuming it's 2000 mile each car.

No. It is per policy. So if you have multiple classics on the same policy the milage is shared.

I have a highly modified Defender that started out as a 2 1/4, but now has a Mazda 3.5l TD (that CN refused to insure, because it is a pickup) and a VW LT Camper (still registered commercial .. changing soon) on a shared policy with Autoline .. all mods declared. 620 for the Defender, 170 added for the LT, fully comp, 5000 miles ... so 8000 km ... recovery, windscreen cover and what not.

Most other insurances did not want to quote the Defender because of the engine change. Even though it is on the logbook and there is a SQI cert. And obviously everything else is also uprated accordingly.

If it was not for Autoline, there would be loads of classics we could not get insurance for.

/M

homingbird

I am with fbd & have never been told or asked my mileage on my classics as you have to give the others the mileage that is on your car so they can hold you too that limit.

Henry Ford III

homingbird wrote: »

I am with fbd & have never been told or asked my mileage on my classics as you have to give the others the mileage that is on your car so they can hold you too that limit.

Doesn't necessarily mean that there isn't a mileage limit in the policy docs. I'd ask them specifically and in writing.

homingbird

To have a limit they have to ask you the mileage of the car which i havent been asked like people that use C.N & other company's will know stay with in the limit or your not covered.

Henry Ford III

homingbird wrote: »

To have a limit they have to ask you the mileage of the car which i havent been asked like people that use C.N & other company's will know stay with in the limit or your not covered.

I think you're assuming too many things there.

deckie27

homingbird wrote: »

To have a limit they have to ask you the mileage of the car which i havent been asked like people that use C.N & other company's will know stay with in the limit or your not covered.

Regular classic policys with CN are 4,000 miles

Bandito909

Lads, anyone know if there's anyone that will add a named driver onto a classic policy? Thanks

Henry Ford III

Bandito909 wrote: »

Lads, anyone know if there's anyone that will add a named driver onto a classic policy? Thanks

I have a named driver on mine.

deckie27

Bandito909 wrote: »

Lads, anyone know if there's anyone that will add a named driver onto a classic policy? Thanks

Me to

Bandito909

Who ya with?

Henry Ford III

AIG through First Ireland

KB22

I have said it here before :- If you insure with Campion's (FBD) you will get open drive ie. anyone 25 - 71 will be covered.

JabbaTheHut

KB22 wrote: »

I have said it here before :- If you insure with Campion's (FBD) you will get open drive ie. anyone 25 - 71 will be covered.

I'm with FBD driect, and have that.

Noveight

Today I changed the Sierra to a classic policy with FBD.

€160 with a 5,000 mile limit. I’m 25, no claims. Car is ‘92 so 27 years old. Happy enough with that. Might be of interest to someone searching the thread in time.

bassy

Noveight wrote: »

Today I changed the Sierra to a classic policy with FBD.

€160 with a 5,000 mile limit. I’m 25, no claims. Car is ‘92 so 27 years old. Happy enough with that. Might be of interest to someone searching the thread in time.

do you have a normal insurance on another car as well?.

Noveight

bassy wrote: »

do you have a normal insurance on another car as well?.

Yep, 2012 daysul Avensis.

marcos_94

Would I be right in saying that a classic car policy with FBD allows anyone between 25 - 70 can drive the car?

RR3.5

To be on the safe side l would ask FBD.

JabbaTheHut

marcos_94 wrote: »

Would I be right in saying that a classic car policy with FBD allows anyone between 25 - 70 can drive the car?

It is in my case, but best check to be sure for you.

bassy

does a classic car 20+ years old need a nct,yes ?.or is it a vintage car 30+ years old does not need a nct cert ?.


is the tax the same price on a classic car as to a normal car with same cc engine size ?.

Peter T

Anything post 1980 needs to be tested. Every 2 years if your cars 30/ over years old, every year if less then 30. Tax is the same until the car turns 30, then it falls to the cheaper classic tax

marcos_94

RR3.5 wrote: »

To be on the safe side l would ask FBD.

JabbaTheHut wrote: »

It is in my case, but best check to be sure for you.

Thanks both, will check query this!

madrevs_gsi

Can anyone tell me if I can insure a UK reg as a classic here, or is it limited to 30 days without vrt?

macplaxton

You can get an insurer to insure it.

If the period of insurance is in excess of 42 days, the insurer is obliged to report to Revenue.

That's the insurance angle. Obviously there are other issues.

massy086

Hi all I currently only drive my own van for work and would like to get a car and insure it in classic insurance.will they take my commercial policy into account.

Mic-12345

Anyone insuring a 20 year old car on classic with Axa.
I have a classic policy with them on two 25+ vehicles, looking to add a 1998 to the policy.

Website states 25+, just wondering before I make the phonecall.

w124man

My 1999 320SL is on a classic policy with AXA. I have three other older cars on the same policy

Testacalda

Mic-12345 wrote: »

...looking to add a 1998 to the policy.

Website states 25+, just wondering before I make the phonecall.

They do it on a case by case basis, and it very much depends on the vehicle in question.

FBD are the very same for 'modern classics'

marko99

marcos_94 wrote:

Would I be right in saying that a classic car policy with FBD allows anyone between 25 - 70 can drive the car?

That's certainly the case with my two classic policies with FBD.

Marlow

DavidClarke72 wrote: »

Insurance companies

You forgot this one:

Autoline

Website: https://www.autoline.co.uk

2 Ashtree Enterprise Park
Rathfriland Road
Newry
Co Down
BT34 1BY

For anything modified or jap import nearly the only one viable.

/M

Mic-12345

Testacalda wrote: »

They do it on a case by case basis, and it very much depends on the vehicle in question.

FBD are the very same for 'modern classics'

Yes that seems to be the case

w124man wrote: »

My 1999 320SL is on a classic policy with AXA. I have three other older cars on the same policy

Cheers lads, got sorted

vjmcdonnell

Do you know who would cover a M5 BMW 2006 on classic. I have a policy with Autoline but they say it has to be 20 years old.
I remember reading before that someone would cover BMW as classic from 10 years, or did I imagine that.

Marlow

vjmcdonnell wrote: »

I remember reading before that someone would cover BMW as classic from 10 years, or did I imagine that.

Never 10 years old. Sometimes 15 years old .. for example Rolls Royce or Jags. But not a BMW .. not even the M5.

My '99 M5 has just turned 20, so I'm grand

/M