Classic insurance questions? with some what car thrown in

[jonno990]

Just after some advice on classic insurance.

I haven't drove for nearly two years, and I was on company insurance then so I have zero no claims

I have just started a new job which is only a two mile commute so I cycle and I really don't need a car(but I want one). I have had a few quotes boxster/e46 m3 and a few other similar cars, all seem to be around £2500 per annum. I really can't justify £50 a week for something that will rarely be used.

So I'm thinking of going down the cheap classic route.

Can I have a classic policy with owning just one car?

Do classic policies accumulate NCB?

I've had a couple of gocompare quotes(not classic specialist) and a Mk1 mx5 come up with £850 per annum(I can live with that,not sure if I can live with the image), 80's alfa spider £270(not sure about the alfa, car would be parked on driveway would be a crime to let it rot away)

So any suggestions on classic policies and a modernish classic would be greatly appreciated.

Not sure about budget maybe £3k but cheaper the better.

[RicksAlfas]

I would speak to RH Classics. They are very helpful. 01277 206911
However I'm sure most classic policies assume you have a normal car for everyday use but it's worth explaining your situation to them.

[zaphod42]

Speak to a good broker.
Also speak to your work insurer - they may provide you with a statement that showed you had no accidents whilst insured by them.

No claims isn't a "thing" to lose. It's a statement of risk that allows an insurer to take into account driving history - it doesn't suddenly expire, but different insurers have different policies over claim history...

As I said, speak to a good broker rather than any of the web compare places. I have found Saffron and Adrian Flux to be good, but your mileage may vary...

[jonno990]

Thanks for the replies. I have no idea who I was insured with on company insurance and didnt exactly leave on good terms. I might try an askmid on someones reg who still works there.

Are there any internet based classic quote searches? I don't want to waste a brokers time.