Classic Car Insurance

[The Moose]

I've just treated myself to a little classic car.

Because I'm under 30, half the companies won't insure me. The other half won't as I don't have a garage for it.

The only one coming close is Admiral with their agreed valuation policy. The only slight snag is that it's not an agreed valuation! It's a dictated valuation. This is how they work. You pay for the policy. Then pay an extra £10 'admin' fee. They show it to their underwriters who tell you what the thing is worth. There's no discussion. For instance, they could value the thing for half the value...and I have no idea until after the policy is paid up. They also won't allow me to pay the £10''admin' fee in advance to find out what it is. A bit of a joke really.

Anyone recommend an insurer?

[kmpowell]

Have you tried Footman James? I used them in the past to insure my MK2 Valver, with an agreed value.

[The Moose]

Yep. FJ wouldn't insure.

[p4cks]

Peter Best insured me at 29 for my Clio Williams

[Olly86]

Excuse my ignorance but what stipulates that a car is suitable for classic car insurance? I'm in the market for a fun weekend car and have all sorts on my short list.

[kmpowell]

Olly86 said:

Excuse my ignorance but what stipulates that a car is suitable for classic car insurance? I'm in the market for a fun weekend car and have all sorts on my short list.

Footman James are associated with a number of car clubs which are listed on their website.

[Hoink]

I use Footman James but quite a few lads in the club use RH insurance. They could be worth a shout.

[Dalto123]

Olly86 said:

Excuse my ignorance but what stipulates that a car is suitable for classic car insurance? I'm in the market for a fun weekend car and have all sorts on my short list.

I think it depends on the insurance company. I always thought cars had to be 20 years old to qualify, but Dad has his Boxster S on a classic policy - He is with RH Specialist insurance and cars on an '03' reg or older qualified.

[RDB]

Have you tried RH Insurance? http://www.rhclassicinsurance.co.uk/classic-car-in...

I've got my MX5 insured with them on a classic policy. My car is garaged but I don't think they insist on it.

EDIT: Just noticed they've already been mentioned above...

[skeeterm5]

I use A Plan for my classic car insurance, good prices and great service.

S

[Olly86]

Dalto123 said:

I think it depends on the insurance company. I always thought cars had to be 20 years old to qualify, but Dad has his Boxster S on a classic policy - He is with RH Specialist insurance and cars on an '03' reg or older qualified.

Thanks for that mate, helps me massively

[sawman]

I used Gott & Wynn brokers for classic insurance when I had my morgan, they are based in llandudno, they were always easy to deal with and helpful,

[mini95]

I am with Hagerty for my cars, you do need a main car insured in the usual way. I also insure a Boxster on a classic policy although it is quite old as it is a 1998. I also have 2 classic Minis on the same policy.

[warp9]

Try heritage classic car. They do under 30s and have a no hassle agreed value process. Always found them to be very good.

[plasticpig]

Olly86 said:

Thanks for that mate, helps me massively

There are quite a few insurers who do cherished and future classic policies. It appears to be totally arbitrary as to whether a particular car qualifies. Several insurers didn't think my 2001 Jaguar XKR convertible qualified for either. Others thought it did.

For the op try ClassicLine as they are a broker so can offer policies from several insurers.

[The Moose]

So, thanks for all the recommendations so far - keep em coming!:

FJ - Aren't interested as under 30.

Lynbrook - Don't want to insure me as I'm under 30 and it won't be garaged.

Peter Best - Waiting for a call back.

RH - Managed to miss them today - will try tomorrow.

A Plan - Had no success in the past with them. Worth another call I guess.

Gott & Wynn - Waiting for a call back.

Heritage - Not interested. Think it was age with them.

Classic Line - Will call tomorrow.

[kambites]

Lancaster were good for my MGB, although that was a while ago.

[fausTVR]

Is this a second car? Only most insurers wont give out a classic policy on an only car and NCD is not accrued on a classic policy also.

[kambites]

fausTVR said:

Is this a second car? Only most insurers wont give out a classic policy on an only car and NCD is not accrued on a classic policy also.

Lancaster will, of at least would ten years ago.

[fausTVR]

kambites said:

fausTVR said:

Is this a second car? Only most insurers wont give out a classic policy on an only car and NCD is not accrued on a classic policy also.

Lancaster will, of at least would ten years ago.

Of course 10 years is a long time on the high seas of classic car insurance.