Classic insurance - companies & brokers

KB22

Good news,glad to help. Especially with the licensed thieves , who are called insurance company's !

handofdog

unkel wrote: »

Another option is to become the main driver on the family car with your wife being the main driver. This is generally not a bad idea to swap every year or two years as you will both build up further no claims bonus and you will both maintain a NCB in your own name. If you have a NCB in your own name, but stop having insurance in your own name for over 2 years, your NCB is lost, as a lot of people found out the hard way

Thanks for the info.

A couple of questions about this.

1. Do you have to change ownership of the car each year? i.e. would this increase the number of owners when you need to sell?

2. Suppose that the "normal" car insurance is due on June 1st in my wife's name. Then we add a classic (also in wife's name) on Sep 1st.
What happens next year when I try to renew the "normal" car in my name? Does that invalidate the existing classic policy?

Am thinking of a 19 year old Merc. Would be my 1st personal venture into classics but I've a large bank of lovely childhood memories in classics ...

Thanks in advance.

gavman1

handofdog wrote: »

Thanks for the info.

A couple of questions about this.

1. Do you have to change ownership of the car each year? i.e. would this increase the number of owners when you need to sell?

2. Suppose that the "normal" car insurance is due on June 1st in my wife's name. Then we add a classic (also in wife's name) on Sep 1st.
What happens next year when I try to renew the "normal" car in my name? Does that invalidate the existing classic policy?

Am thinking of a 19 year old Merc. Would be my 1st personal venture into classics but I've a large bank of lovely childhood memories in classics ...

Thanks in advance.

Tbh i cant see that working unless you switch owners every time aswell.ye can only be insured on a car in your name if you are the policy holder.your every day car would end up with a lot of owners and help depreciate it further.im kinda in the same situation but i just gave up my ncb and put both cars in my wifes name and put her as the main driver on both.seems to be the only clear cut way of doing yhings in this great little island😠

Esel

Afaik it is perfectly legal for a person to take out insurance in their own name on their spouse's car. As the people are married etc there is "an insurable interest". There is no need to change ownership.

balcan

Hello all,
Heading to the UK next week to look at a classic Saab which I hope to be bringing home, trying to sort out insurance and campion was recommended by a lad that runs a classic Merc, when I contacted them I was told they'll only insure the car for going to meets and shows, what is that about, Saab is only going to be used for nice weekends as I've a work van as a daily and the wife's family car, we did get a quote for €195 from firstireland for the wife as main driver and me as named, is that an competitive price, thanks in advance.

FBD are going really good qutoes atm. Both myself and my dad got ours with them this year, 155 and 165e respectively.
Ive a claim from 2017also which never helps.
3rd party only and 5000km limit

balcan

BrownFinger wrote: »

FBD are going really good qutoes atm. Both myself and my dad got ours with them this year, 155 and 165e respectively.
Ive a claim from 2017also which never helps.
3rd party only and 5000km limit

Thanks, I'll give them a bell tomorrow.

Tzardine

Having a pain in my ar$e trying to get quotes.

It seems that the insurance companies only have one person that does classic quotes, and they are always busy.

In the past two days I have only been able to get a quote off Autoline. (€337). First Ireland dont insure Ford Fiestas for some reason (its a 1985), and everybody else wont return my call.

Looks like it will be Autoline by default.

mattroche

I recently sold my C180 to a 65yr old man. He was having great difficulty getting Classic Ins. I advised him to GO INTO his local FBD office. He did, & got his Ins. T.P.F.&T, for E155. He was well pleased.

marcos_94

Hey All,

Just looking for a recommendation for classic car insurance. Looking to get a 1989 320i touring SE insured. Im 25 with 3 NCB, and have a claim from 4.5 years ago. Chatted with Brophys and First Ireland who wont quote me as a result of the claim. Going to be calling the others (FBD, AXA, Carol Nash) in the morning and see what they say.

Thanks

Tzardine

Autoline quoted me no problem with a claim last year.

marcos_94

Tzardine wrote: »

Autoline quoted me no problem with a claim last year.

Great! Hopefully they’ve good news for me tomorrow then! Thanks

jamesbil

Hi all,

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

Tzardine

jamesbil wrote: »

Hi all,

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

I do not think you will have much luck. Every company I know of requires a daily driver before they will give a classic policy.

The Audi is also not 30 years old, so many wont consider it a classic yet either.

Are you a named driver on another car policy? Autoline let you use this to satisfy the daily driver requirement, and they will also insure classics under 30 years old. You will have restricted mileage use on the Audi though.

jamesbil

Tzardine wrote: »

I do not think you will have much luck. Every company I know of requires a daily driver before they will give a classic policy.

The Audi is also not 30 years old, so many wont consider it a classic yet either.

Are you a named driver on another car policy? Autoline let you use this to satisfy the daily driver requirement, and they will also insure classics under 30 years old. You will have restricted mileage use on the Audi though.

Thanks, only other vehicle is a camper, so not a main vehicle either.

JabbaTheHut

I called into FBD as per mattroches' advice, and got quoted €165. You must be a member of a club though. And the car had to be 25 years or older. Third party fire and theft. Got quoted €245 from Carol Nash for the same car, but that was without being a club member.

marcos_94

Tzardine wrote: »

Autoline quoted me no problem with a claim last year.

I called Autoline and was initially told that for the BMW, they brought in a new requirement that you have to be 30. I questioned this and they went and called their underwritter (Axa) and was then denied a quote again, this time because the car was kept in a shared private lane rather than a garage.

Im struggling to get a quote from anyone at the moment because of the claim against me which is now 4.5 years old. Not sure what to do now

JabbaTheHut

JabbaTheHut wrote: »

I called into FBD as per mattroches' advice, and got quoted €165. You must be a member of a club though. And the car had to be 25 years or older. Third party fire and theft. Got quoted €245 from Carol Nash for the same car, but that was without being a club member.

They asked me if i was a member of a club and I said no.
guy said it didnt matter.
I could only get 3rd party at 165e.

JabbaTheHut

BrownFinger wrote: »

They asked me if i was a member of a club and I said no.
guy said it didnt matter.

Odd. She did quote me without a member number, but said she couldn't put it through without the number. Went in today, and paid, and she took the member number from me.

I could only get 3rd party at 165e.

Maybe that's what you get without being a member. Anything more, and it would need it

leftfooter

I got a categorical NO from them today, even though I am a named driver on another policy.....didn't even ask my age or any other details.

Tzardine wrote: »

I do not think you will have much luck. Every company I know of requires a daily driver before they will give a classic policy.

The Audi is also not 30 years old, so many wont consider it a classic yet either.

Are you a named driver on another car policy?

Autoline let you use this to satisfy the daily driver requirement

, and they will also insure classics under 30 years old. You will have restricted mileage use on the Audi though.

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.