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Ok, so 14 months ago I happened upon an absolutely, mint- 1 pensioner owner from new E100 Corolla. This really is a time warp car with 60,000 on the clock. Immaculate inside and out and not modified in any way. It's 20 years old now and to many would be considered a collectors car- a survivor.
Up until now, I've had the vehicle on my traders policy, but I'm in the process of selling my business and will need to revert to a classic policy. Standard quotes are coming out around £500, which is just too much. I have an MX-5 which will be on a standard policy and 7 years no claims.
Companies such as Footman James, RH and Performance direct have all been unable to insure it on a classic policy, saying it's not eligable for classic insurance.
How then, did my MK 2 Golf (J) Reg get insured on classic 4 years ago and even slightly newer MX-5?
Anyone ever been told you cannot get classic insurance, although your car is certainly old enough?
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Last Edit: Oct 4, 2012 12:01:14 GMT by veedubman
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have you tried adrian flux, I'm always happy with them. tell em youve had a quote for 400 fully comp and see if they can help... limited mileage/use ~(ie not commuting) is always a helper if its not your daily vehicle/or used for that.
ive read of policies stating my vehicle as cherished rather than classic, wether that is just a term to more generalise the policy or if it actually differs anyway i don't know.... just went to look at my current policy on one of my cars... yep shows cherished.. and its a 1990 with be wiser insurance underwritten by aviva.
might be worth trauling some corrolla owners forums for similar cars and seeing if they know of any solutions for you.
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84 mazda 323 gt (twr) b6t engine
85 mazda rx7 s3 12a
90 mazda 323 estate
90 mazda 323 estate (for the mrs ;-) )
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Try Peter James insurance, as they will insure a 1992 car  |
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1993 Fiat Panda Selecta
2003 Vauxhall Combo 1.7DI van
2006 Mercedes Kompressor Evolution-S AMG SportCoupé
"You think you hate it now, wait til you drive it"
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Thanks for replies.
I don't think I've tried Peter James. I think my last retro (a 1993 190E) was insured with Flux but I'll have to check if I already called them. I've phoned that many!
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Last Edit: Oct 4, 2012 12:22:18 GMT by veedubman
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samg40
Part of things
Posts: 70
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Peter James beat all the classic quotes I had by at least £50.
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I had my classic insurance renewal yesterday from fj, up from £136 to £368!!!! tried pj, £130 all in,jobs a good un!! ;D
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jamesp
Posted a lot
Posts: 1,828
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suretearm insured my honda shuttle as a cherished car worth a try
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Onne
Part of things
Posts: 822
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Yup, Peter James all the way for me. £350 for two cars, two drivers.
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1990 Mercedes W126 300SE
1997 Mercedes W140 S320L
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Footman James declined to renew the bike policies I had with them because they're not proper old and classicy, just at that awkward retro age.
They also said they wouldn't do a motor policy for an '82 W123 unless I already had another policy with them.
They're not what they used to be.
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1900sr
Part of things
I like Mantas me!
Posts: 875
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I've had three cars younger than 1992 insured with RH, a Rover 220 Coupe (93L), an Astra Convertible (94M) and a Volvo 480GT (94M). I seem to remember they said they couldn't cover one of the M reg cars, but when I mentioned they'd covered the other on the same policy they went and spoke to the underwriters and agreed it. Mind you, at the time we had 5 cars insured with them (2 dailies, two classics and the retro) so that might have had some bearing on it.
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Copey
Posted a lot
Posts: 2,845
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Classic Line do modern classics, my saph (1990) is on one  |
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1990 Ford Sierra Sapphire GLSi with 2.0 Zetec
1985 Ford Capri 3.0 (was a 2.0 Laser originally)
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In my opinion a 1992 car is not even remotely classic, so classic insurance is a bonus if you get it. When I was insuring my 1990 Nissan, it cost more than my 1970s cars. I asked the insurer why this was, and they said that the statistics showed a higher risk of crashes for that era of car. If the average person thinks they are worthless, and they get driven by a lot of young drivers, then logically the crash rates will be higher and therefore the insurance more expensive. Simple.
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People say "I want a classic policy" and what they actually mean is "I want cheap insurance".
My '04 Yaris is really low mileage and very tidy, can it be a classic please?
Assuming the OP is old enough his car is old enough for a Peter James classic policy
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Last Edit: Oct 6, 2012 18:34:32 GMT by akku
1937 Austin Street Rod - 1941 Wolseley Not Rod - 1956 Humber Hawk - 1957 Daimler Conquest - 1966 Buick LeSabre - 1968 Plymouth Sport Fury - 1968 Ford Galaxie - 1969 Ford Country Squire - 1969 Mercury Marquis - 1970 Morris Minor - 1970 Buick Skylark - 1970 Ford Galaxie - 1971 Ford Galaxie - 1976 Continental Mark IV - 1976 Ford Capri - 1976 Rover V8 - 1994 Ford Fiesta
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have you tried adrian flux, I'm always happy with them. tell em youve had a quote for 400 fully comp and see if they can help It depends who you get on the other end of the phone, they have been pretty much useless and un-helpful or competative for me this year. In fact my polo switched from flux 48 minutes ago lol. |
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heritage via norton insurance brokers are good (in all the classic mags). i have 1 classic, 1classic(modded), and older car and a new car all on one policy, fully comp. £760 inc the missus
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People say "I want a classic policy" and what they actually mean is "I want cheap insurance". My '04 Yaris is really low mileage and very tidy, can it be a classic please? Assuming the OP is old enough his car is old enough for a Peter James classic policy No I'm not after a cheap insurance policy. Currently I pay a small fortune for my traders policy and will be paying full price for my non retro cars. I'm in my mid 30's with lots of no claims (as explained in post 1) and been driving 16 years, so not just looking for a cheap way of driving! The Corolla is just one of those cars it's not worth selling as it's only worth about £500 and it's so reliable. It's good as a back up car! |
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Last Edit: Oct 8, 2012 10:23:53 GMT by veedubman
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joda
Part of things
Posts: 672
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I had the same problem with a mint base model 1.1 1990 mk4 escort, they said they don't see that as a classic, but they would do a sporty model such as an XR or RS
Guy i know is also in the same situation with a 1991 escort cabby,
Stick it in the garage for a few years then bring it back out!
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Dez
Club Retro Rides Member
And I won't sit down. And I won't shut up. And most of all I will not grow up.
Posts: 11,715
Club RR Member Number: 34
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People say "I want a classic policy" and what they actually mean is "I want cheap insurance". My '04 Yaris is really low mileage and very tidy, can it be a classic please? Assuming the OP is old enough his car is old enough for a Peter James classic policy agreed. it cant get classic insurance because it is in no way classic. its not even old. i have CDs older than it FFS. cherished insurance is an entirely different thing, and reflects the fact certain types of cars arent used as daily runabouts/shopping trolleys. a 1992 corolla definately isnt one of them. specialist insurance is also something different again. certian companies specialise in only insuring modifed VWs of any age, like HIC, so thats why they're easy to insure on 'cheap' policies, cos they're seen as a lower risk than other marques. |
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People say "I want a classic policy" and what they actually mean is "I want cheap insurance". My '04 Yaris is really low mileage and very tidy, can it be a classic please? Assuming the OP is old enough his car is old enough for a Peter James classic policy agreed. it cant get classic insurance because it is in no way classic. its not even old. I have CDs older than it FFS. cherished insurance is an entirely different thing, and reflects the fact certain types of cars arent used as daily runabouts/shopping trolleys. a 1992 corolla definately isnt one of them. specialist insurance is also something different again. certian companies specialise in only insuring modifed VWs of any age, like HIC, so thats why they're easy to insure on 'cheap' policies, cos they're seen as a lower risk than other marques. Thanks for clearing that up. I understand it's not the same as the '93 Merc 190 2.6 which was on a footman James classic policy (about £120 a year). And although this is a year older than that the marque is not considered a classic or cherished- regardless of the condition. If this is the case I'll probably just get rid of it and put the £500 or so it's worth towards my other cars' insurance. Thanks for the replies. |
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