How old does a car have to be to use classic insurance?

[stuuuu]

Can an L reg car qualify?, whos the best company to use for the best price?, thanks.

[PandaSelecta]

My pandas are all L reg, and they're on classic policies.

[stuuuu]

May 27, 2015 21:12:03 GMT PandaSelecta said:

My pandas are all L reg, and they're on classic policies.

can I ask who you use and how much you pay please?

[Kieran]

Also has to be a second car, can't be sole vehicle.

[taurus]

It's worth checking standard insurance as well because some classic policies don't give a NCB. A standard policy with full NCB can work out cheaper than a classic policy. I have both kinds of policy for various cars and to be honest the classic policy only really works for the agreed value part of it.

[gazz81]

As above, I took out a classic policy on my 91 GTO with Adrian Flux. Took the policy with 15yrs ncb, came out with none!

[stuuuu]

Ive just got 1 quote and it was over £200 cheaper than a normal policy!, no mention of it having to be a 2nd car either.

[taurus]

Work it out over (say) 5 years - is the classic policy still cheaper over a 5 year period once you factor in NCB on the standard policy?

[AtomicRooster]

May 27, 2015 21:42:32 GMT Kieran said:

Also has to be a second car, can't be sole vehicle.

I'm on an admiral classic policy and its my main vehicle!

[composimmonite]

Please check out small print on classic policies. You might find commuting to place of work is excluded along with other things to bring premium down.
My everyday policy (3 vehicles on same policy) with NFU excludes commuting as I'm retired so it isn't needed and that knock quite a bit off the premium.

[SmokeEm]

We have 3 cars - Insurance as follows (I have zero NCB, Wife has 19yrs)

02 Accord - Normal policy for Wife with me as named driver £250

88 P100 - Insured by me with 7k mileage cap and agreed value (Inc commute) £125 Wife named driver also - A Plan classic policy

99 S210 Barge - Insured by Wife as 'Cherished vehicle' 5k mileage cap, me named driver - £240 with A Plan

[andyw]

I have my red probe on a Classic Policy with Peter Best - £140 per year this year, agreed value at 2k, excess is about £300 IIRC, limited miles to 1,500 pa.

I have just moved my grey probe to Brentacre - again on a classic policy but because there are more mods it cost me more to insure with them. Peter Best couldn't quote because I value it at less than £1,000.

[PandaSelecta]

Both my working pandas are on a classic policy, but I did have to have a main vehicle (business van), but I am paying under £200 for both cars on the one policy, and that's with Adrian Flux

[Ryannn]

May 27, 2015 22:29:46 GMT AtomicRooster said:

May 27, 2015 21:42:32 GMT Kieran said:

Also has to be a second car, can't be sole vehicle.

I'm on an admiral classic policy and its my main vehicle!

I've had a classic policy from Lancaster before which included commuting. The car was my main one at the time.

[spandelly]

I had the ncb problem when I got my traders policy. I had to argue the toss with them that I knew I couldn't accumulate no claims on my policy but no one mentioned the fact that I would loose my existing no claims. In the end they reinstated my no claims so it was worth the arguing.

As for the op I have never had a classic insured as my main car but I had the 924 with adrian flux. 9000 miles including commuting
£250 per year

[spandelly]

On another note it depends on the car weather it's on the database for classics. Twenty years is a good marker point but as a rule always get a quote. There have been a couple of times I have got quotes for 22-24 year old cars that haven't been on the classic database and are treated as normal cars. In a nutshell always get a quote.

[Ryannn]

^^ in response to that as well. My mini is L reg so it's too new for the classic policy I have on it, but because it's a mini, it qualifies with them regardless of age. So it also depends on the car.

[PhoenixCapri]

Basically you need to do a few phone calls and make sure what you're quoted for give you what you need. Also see if joining an owners club can save you money - 4 yrs ago I was insuring a 1996 Jag XJ6 for £200 a year as a second car as a member of the Jag owners club - it was £700 as a non club member!

Can certainly get only car as classic and with commuting, I used to run my Superminx as main car, and got cheap classic insurance - again through Lancaster.

Another thing to be aware of is some classic policies do build NCD, but they take a little finding. Herts insurance do a modified classic policy (something a simple as a set of alloys qualifies you as modified) from Highway insurance (LV sub brand I think), this builds NCD but is nearly as cheap as a standard classic policy and allows commuting and some trackday cover, plus agreed value. Lauren's Capri is up to 3yrs NCD now, with all it's mods (and there's a few, many which increase performance) it costs her about £300 a year I think on that type of policy.

[welshpug]

I couldn't get my 309 Goodwood insured as a classic, though it was too old for most mainstream insurers!

my zx is modified and the same age, so insured as a modified car.

[bababoom]

I insured my 99 chim today with footman & james on a classic policy today.
Its the first time I bought insurance at the first phone call, The service and price that good.
Agreed valuation in the event of right off for and extra £15
I get to the salvage at no cost extra £10
They don't give discount for NCB but at the price i couldn't complain and my NCB are on my daily anyway.