Classic insurance - companies & brokers

Louise A. Garcia

I have chosen my home, auto, and, most recently, classic car insurance with the help of an insurance broker near my town. There are different parameters to fix your standard car insurance rate, not only for classic cars. Every policy is calculated based on some selected parameters. In the case of traditional car insurance, How much the vehicle is driven, where the car is stored, your driving record, and the condition of the vehicle, but the classic car insurance policy market is also confusing and risky, which is where an experienced insurance broker can come in handy. My insurance broker-assisted me in selecting my policies in a comfortable and risk-free manner, and he is still updating everything, including the premium due date.

Ianmc97

https://www.boards.ie/discussion/comment/118829594#Comment_118829594

I'm in the exact same boat I have watched as they've moved the goal posts every couple of years meaning I cannot get insurance on cars I want. I am 25, have 5 years NCB, never had a penalty point, never been involved in an accident whether my fault or not. saving up the last few years till I turned 25 to get a nice vintage car for the weekends (preferably Jap). no hope so far. I have tried all the big names, I haven't exhausted the list completely yet but from my experience the majority wont offer insurance on the cars I want regardless of my age and the only one that would cover (autoline) won't until I am 30. Talking on the phone with Autoline the lad was apologetic and warned me before checking that with the higher ups, if you're under 30 you would want to be insuring something that is classically vintage (if that makes sense) like a moris minor. I cannot wait until I get to 30 and they move the age to 35. For anyone who is interested the single quote I got that day trying numerous cars and even more insurers was with Carol Nash on a E30 325 BMW and it was €900.

James201213

Signed into my account for the first time in ten years just to say if you are below 30 in Ireland to just forget it.

Ive tried Axa, FBD directly, carole nash, first ireland, Autoline (now abbeyautoline) and Sparrow/brophy insurance to get insured on a toyota corolla levin. I tried campion because the previous owner has it on their books and is 26 years old. Still nothing for a new customer if you are over 25 but under 30. All declined insuring it because its a "performance car" (160 bhp, same as a diesel audi ffs) or that they just dont insure it. Doesnt matter if its garaged, a casual sunday use or anything. Forget about an altezza, ek/eg civic/integra or anything else with even more power/rwd due to the drifting crowd. Abbeyautoline might insure it if you are over 30, but in 3/4 years that will probs be moved to 35 years old.

The performance argument is such bs as well, can get insured on any motorbike you want no problem. The industry just wants to screw anyone not driving a hybrid/electric fridge around the place

greasepalm

Was there something like if you have been refused quotes by 3 different companies you can forward it on to some crowd to look for you?

https://www.irishtimes.com/business/financial-services/number-seeking-last-resort-help-for-car-insurance-dips-to-1-147-1.3913623

zg3409

https://www.boards.ie/discussion/comment/119305262#Comment_119305262

You can but they can legally say the quote is 50,000 euro per year. They just eventually need to give you a quote but it can be crazy high.

Definitely look at car type when insuring. Even in my forties with full everything I have trouble getting quotes on jap cars. Many won't quote jap imports at all let alone non import Japs. Partly it's down to crash history of the type of car, as on anything that might appeal to a boy racer, even a 40+ boy racer, even if power is less than average family SUV these days.

greasepalm

https://www.boards.ie/discussion/comment/119390901#Comment_119390901

1989 Mitsubishi Chariot Jap import petrol , finally got it insured eventually as was not easy.

galwaytt

https://www.boards.ie/discussion/comment/119295011#Comment_119295011

small correction : no, you can't get insured 'on any motorbike no problem'. 4 bikes in this house: 19, 22, 55, 55, so I doth speak from experience.

lomb

https://www.boards.ie/discussion/comment/119390901#Comment_119390901

I remember years ago driving along a motorway late at night and the jap car in front of me for no real reason whilst changing lane did a 360 degree rotation without hitting anything or me, he carried on very slowly!

Alot of those cars are lethal without Traction Control or ESP and with crappy suspension. Ricer classics or even base euro classics dont do alot for me. I was surprised to see what golfs and escorts bring. I like the old Euro premium classics-928, Sl, 968s,Secs, Jags, Bmws (although old BM V8s are trash )

zg3409

Carole Nashe won't insure a classic in Dublin unless it's stored in a garage, no quote, nothing goodbye, and they are a classic specialist. That's accurate as of today.

Outside of Dublin the rule is different but I don't know how they define Dublin as in nearby counties too?

Campion classic is very basic third party or third party fire theft. Driving to work/commuting not included. Need to be member of specific classic club for 30 euro. Very cheap.

Fbd classic may include specific trailer ,fully comp, seemed good value. Discount for club membership but discount was same as club cost.

AXA classic no towing.

All above needed to have different main car, typically asked was car over 15 years old, mileage options varied but up to 5000 miles not km. Some 3000miles etc.

micah537

Can you get classic insurance on a 2006/7 Jaguar XKR or is it a waste even trying?

You could insure Porsches at 15 years old on classic polices a few years back. Was it all Porsches or just 911, and is it still possible?

A friend decided to sell his Xkr on Saturday so I have to wait until tomorrow to go ringing around.

Is it just Abbey autoline or would AXA and FBD be worth a shot. My everyday car is with AXA.

galwaytt

https://www.boards.ie/discussion/comment/119815251#Comment_119815251

For Porsches, join PCI and Barretts are your people. They do need to be writing cover for €25k as a miniumum if it's just one single car. Can be less if multiple cars.

AXA should offer you a quote as an existing customer.

Jimmy Bottlehead

Finally putting my S2000 back on the road for the first time since 2014, she's now a classic.

Insurance a nightmare to get though. Carole Nash and FBD wouldn't even quote, Campion are underwritten by FBD so don't have high hopes for that callback. AbbeyAutoline thankfully are coming in under €500 so it'll almost certainly be with them.

greasepalm

I eventually got cover on both cars with LHK brokers and was not easy and first was my 2001 which is my main car to drive.

Before i could entertain my classic car i needed to join the classic car club E60 a year

Then eventually i got my classic insured with a different company thru LHK.

You have to have a main car insured before you can get the classic car insured.

sanfranbest

Hi All,

Are there are insurance companies who insure a classic car has your only car without having to have policy on another "First" or "Daily driver" car?

I have a daily driver and a classic car,

Daily driver is insured with Liberty and classic car is insured with FBD

Now that I am retired, I really only need the classic car for a few run arounds each week,

I am thinking of selling the daily driver first car.

Thanks

Paul

sanfranbest

https://www.boards.ie/discussion/comment/120616192#Comment_120616192

Axa will insure any age car as your daily driver if you have full no claims bonus and it passes the NCT,,, happy days,,,,,

Hyperbollix

Renewed classic policy with Campions (FBD) for another year. €160 on a 1994 bmw e36 plus €30 for IVETA membership. TPFT policy, 40 years old, full NCB.

clio_16v

Do Classic insurers ask for evidence of mileage? How would they know if you were commuting?

Miscreant

https://www.boards.ie/discussion/comment/121051351#Comment_121051351

I was never asked on a Classic Policy to prove any mileage (at least that was with AXA) but I was barely doing 1000 miles a year anyway. They will not know if you are using it for commuting but that may be found out in the event of a claim and could affect any pay out.

oceanman

hi all, would anyone know is it hard to get a vintage van insured? would it be the same companies that insure classic cars and what would they ask for regarding mileage ect.

thanks.

zg3409

https://www.boards.ie/discussion/comment/121051351#Comment_121051351

They ask for annual mileage and price varies based on that. Some older cars up to 40 years have an NCT and mileage is recorded each time. Policies also have exclusions such as no commuting to work, old to be used occasionally or for car shows. If there was a claim they may ask where you were going and why and check any mileage records. They sometimes ask on the phone what is the mileage today so can keep a track year to year. My odometer has rolled over to zero and NCT has recorded near zero value!