How does a vintage car work?

The insurance companies steer clear of run of the mill cars under 30 as classic insurance cars especially the like of corollas and starlets. Perfect everyday cars. Too much risk people will use them for commuting.

I will be trying to insure a 99 Megane as a classic with AXA this year - 25 years old is their stipulation although I don't know if they have a ridiculous "no mass produced cars" rule like First Ireland do.

This is what First Ireland say:

"The Vehicle MUST NOT:

be mass produced. (Car types such as a Fiat Punto do not qualify under our classic car scheme)"

Clowns.

Brilliant. Hope you can get it insured. Great cars for there time. Is it a hatch or saloon?

I presume they use the same methodology as the US Supreme Court did in defining pornography ‘I’ll know it when I see it’

Like a lot of things, classic cars insurance is a movable feast with vested interests bullsh*tiing and suiting themselves. So we get "classic car insurance" - but no mass produced vehicles which excludes 99.99% of cars ever made if the insurer applies that. And "no Puntos".

I suppose competence of cars like the Mk1 Punto, regardless of how rare they now are, goes against it. in 1994 a 30 year old car was something like an Austin 1100 or a Mk1 Cortina. Not very usable in 1994. Whereas a 94 Punto is very usable in 2024.