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14th June 2024, 16:41 | #1 |
This is my second home
2005 Connoisseur SE 1.8 Turbo,2004 45 1.8 Connoisseur and my beloved 1998 VVC Coupe. Join Date: Nov 2009
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Classic car insurance.
My coupe is now eligible for a classic car insurance policy and the quote is coming in a third cheaper than the renewal price for the standard policy it is currently on.I know NCB no longer applies on a classic policy which could be of concern should I wish to return to a standard policy,but why would I.
Apart from that are there any disadvantages of a classic policy? Be pleased to hear particularly from anyone who has a classic policy on a car they own.
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14th June 2024, 16:47 | #2 |
I really should get out more.......
Rover 75 saloon Join Date: Feb 2014
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It doesn't apply to my classic policy but limited mileage is the only one l can think of.
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Reducing the size of my Rover fleet by adding a 75 to it. |
14th June 2024, 17:30 | #3 |
This is my second home
2005 Connoisseur SE 1.8 Turbo,2004 45 1.8 Connoisseur and my beloved 1998 VVC Coupe. Join Date: Nov 2009
Location: Derby.
Posts: 8,856
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My coupe is already limited to 4,000 on standard policy and the classic one is offering the same so no change. Thanks
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14th June 2024, 18:02 | #4 |
Vis Whiz
Rover 75 2.5 auto Saloon Join Date: Jun 2007
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My old Sunbeam (1955) is on classic car policy, £85 a year but as said no no claims and limited mileage.
Downside: only me insured to drive and i'm not covered to drive other vehicles third party. Lancaster Insurance.
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Dave... Lost a few stones and a Gall Bladder and part of a bile duct and all of my dignity in the suppository incident |
14th June 2024, 18:10 | #5 |
This is my second home
75 Auto 2.5 SE Join Date: Feb 2010
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Interesting Mick. Can you tell me what the qualifying factors for 'Classic' are these days? It's now approaching 40 years since I was selling those things!
I wish I hadn't said that now
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member no. 235 |
14th June 2024, 19:24 | #6 | ||
This is my second home
2005 Connoisseur SE 1.8 Turbo,2004 45 1.8 Connoisseur and my beloved 1998 VVC Coupe. Join Date: Nov 2009
Location: Derby.
Posts: 8,856
Thanks: 2,022
Thanked 1,016 Times in 739 Posts
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Quote:
That's very good Dave,I wouldn't think it's likely to be taken off a classic policy so NCB not an issue.And you probably have third party cover for other cars included in the policy for your daily. Quote:
I think they are judged on an individual basis to some degree Ray.I had the renewal for my standard policy this morning and it had increased by £100.Gave them a call but they were unable to reduce it.I rang a couple of other brokers who came back with quotes higher than my renewal price,but both said they thought they could get it on a classic policy.One of them has now been able to quote me £90 cheaper on a classic policy than my standard renewal and I'm still waiting to hear from the other. I'm not sure what the criteria is to qualify as a classic but obviously age is the main factor,my coupe is 25 years old this year.They said things like limited mileage,garaged overnight,driving history,current NCB and mainly weekend only use all helped.They apparently weren't too concerned that the car is heavily modified including performance wise.I Got the impression each case is udged on it's merit.I believe an agreed value is aso included subject to supplied pictures and mileage verification.
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15th June 2024, 13:46 | #7 |
This is my second home
2005 Connoisseur SE 1.8 Turbo,2004 45 1.8 Connoisseur and my beloved 1998 VVC Coupe. Join Date: Nov 2009
Location: Derby.
Posts: 8,856
Thanks: 2,022
Thanked 1,016 Times in 739 Posts
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You have your 75 on a classic policy?
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