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Classic Car Insurance.

jojo Jul 22, 2008

  1. jojo

    jojo Looking for Boost! Staff Member Moderator Team Daytona Audi S3 quattro Audi A6 Audi Avant Owner Group

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    I have just found out by chance that cars which qualify for classic cars insurance(over 10 years old) do NOT need NCB to get insured!
    This is opening up a lot of options to me on owning a dream car of mine, but it will probably be limited mileage and garaged, which is not a problem for me, since I hardly use my S3 now with recent changes in my work in the last few years.

    Does anyone else know anything more on classic car insurance that I should know about?

    Maybe it is time to let go of my S3 after 7 years or so of ownership...
     
  2. SteveTDCi

    SteveTDCi Active Member

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    each company is different HIC said the car needed to be 15 years old to be classed as a classic, you don't always build NCB with the policies and sometimes they mirror you NCB from your main car. Oh and they are usually cheap and you can agree a valuation on them. Max miles per year was 5000
     
  3. Oranoco

    Oranoco Well-Known Member

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    How do you think I manage to insure my 260bhp Escort with 6 point roll cage for £400 a year?:happy:
     
  4. jcs356

    jcs356 Brum brum

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    Just remember, it is a flat premium and so you don't build up NCB that you can then transfer to another car. I've had my Speedster insured for 7 years, no claims, but zero NCB from this if I wanted to transfer it. I pay roughly £175 full comp agreed value with 3000 mile limit. Add in free road tax as it is 1971 donor vehicle, and the only extra it costs me above fuel is the £50 for the MOT.
     
  5. SteveTDCi

    SteveTDCi Active Member

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    also with mine if you cancelled the policy you don't get anything back.
     
  6. willnabby

    willnabby RS-one day soon!!

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    I used to have a range rover on classic insurance, that was 8 yrs old when I put it on classic, with unlimited mileage not garaged and i think it was around £290 or so for the year not bad for a 3.9 V8, when I got my old audi cabriolet I think that was about 5 years old at the time they wouldn't cover that so I went to privilidge for "regular" insurance and they accepted a letter from the classic insurers to say that I had not made a claim in the 5 years I was with them so the lack of NCB due to it been classic insurance wasn't an issue, I still use classic insurance for my series 1 land rover at a whopping £110 for a years cover.
     
  7. Les 51

    Les 51 A pint of Diesel please!

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    My Lancia Beta is on Classic insurance. I pay £400 a year which is over the odds and I will look elsewhere his year. It's limited to 5000k per year and has to be garaged. (Which is a good thing for a Lancia!)
    Something to note is if you want an agreed value you will have to supply quite a few photos of the car in it's present condition for them to value it. I did it on a disc and sent them that.
    I'm pretty sure mine is getting NCB, but will have to check that.
     
  8. Nickynibbles

    Nickynibbles Damn it where's 7th gear when you need it?!

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    Dont know a thing about classic car insurance, just want to know what you've got your eyes on Jojo?!
     
  9. Matt T

    Matt T Bumble Bee

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    Agreed, one company told me my 18 year old E30 M3 wasnt a classic! Urrrr hello.
     
  10. jojo

    jojo Looking for Boost! Staff Member Moderator Team Daytona Audi S3 quattro Audi A6 Audi Avant Owner Group

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    :whistle2:
     
  11. Nickynibbles

    Nickynibbles Damn it where's 7th gear when you need it?!

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    Oh go on, if you tell me yours i'll tell you mine??!!!
     
  12. MikeS4

    MikeS4 MikeS4

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    Jojo if you're after some inspiration, check this:
    [​IMG]
    I'm paying £220 classic car insurance for my 635csi, with a 5k limit....
     
  13. Z82

    Z82 Member

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    OMG classic cars **** me off due to the fact my classic car wish list is so bloody long I cant remember it myself! Would love an 80's Audi :D
    URQ or 80Q/S

    I need abigger garage before I can even consider a classic :(
     
  14. jojo

    jojo Looking for Boost! Staff Member Moderator Team Daytona Audi S3 quattro Audi A6 Audi Avant Owner Group

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    I've always fancied a Lotus Esprit, but that's not what I'm after. ;)
     
  15. jojo

    jojo Looking for Boost! Staff Member Moderator Team Daytona Audi S3 quattro Audi A6 Audi Avant Owner Group

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    That's pretty cool.
     
  16. Nickynibbles

    Nickynibbles Damn it where's 7th gear when you need it?!

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    You'd have dirt cheap insurance on one of those. you could specify such a small annual mileage allowance cos the thing would be broken down 362 days a year!!
     

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