Recommend insurer to cover everyday car and classic?
Discussion
We are currently running two 'classic' cars (Audi A3 and BMW 325Ci) both 2002 models.
The Audi is the everyday car, and the BMW is used at weekends.
We're looking for an insurer who will cover both - either both as classic cars, or one as the every day car and one as a classic - but ideally the cover for both would be provided by the same company.
Any recommendations?
The Audi is the everyday car, and the BMW is used at weekends.
We're looking for an insurer who will cover both - either both as classic cars, or one as the every day car and one as a classic - but ideally the cover for both would be provided by the same company.
Any recommendations?
I readthat Admiral are meant to be a good all rounder for classics and modern cars/dailies, and their quotes are haggleable.
I saw some classic firms that are funny about it, and one that wanted classics to be in the majority. (Lancaster?).
I’d be tempted to try Direct Line. They don’t insure really old cars, but do have a multi car discount.
I saw some classic firms that are funny about it, and one that wanted classics to be in the majority. (Lancaster?).
I’d be tempted to try Direct Line. They don’t insure really old cars, but do have a multi car discount.
IME, you'll gain almost nothing by having them both with one company, and you'll gain almost nothing running them on "classic" policies. I recommend treating low ball quotes from tiny "specialist" or "classic" brokers with suspicion. Google the broker or company and see what people are saying about it. Lancaster is the usual suspect.
If you go with a classic policy make sure you understand what you are and are not getting vs a normal policy.
You will probably find that most prices offered are no different to normal policies because they know that 99.9% of people looking for a classic policy on a 20 year old daily driven Audi A3 are just hoping for a cheap policy on a rusty old shed.
If you go with a classic policy make sure you understand what you are and are not getting vs a normal policy.
You will probably find that most prices offered are no different to normal policies because they know that 99.9% of people looking for a classic policy on a 20 year old daily driven Audi A3 are just hoping for a cheap policy on a rusty old shed.
Why is it that you are looking to put these on a classic policy? The only advantage I can think of is if you want an agreed value. But if you want to use either of them as dailies then other frequent features of classic policies, things like mileage limits, requirements for overnight garaging, and usually the absence of no-claims bonus, might be disadvantages for you.
Lowtimer said:
Why is it that you are looking to put these on a classic policy? The only advantage I can think of is if you want an agreed value. But if you want to use either of them as dailies then other frequent features of classic policies, things like mileage limits, requirements for overnight garaging, and usually the absence of no-claims bonus, might be disadvantages for you.
A good few years ago when I had my Porsche 944, I was able to put that on a classic policy and it saved me a fortune.As others have said, it doesn't look as though it makes any difference now anyway, so I'll not bother.
LV do multi-car like Admiral.
Admittedly I like to keep my daily on a standard policy with a local big-name insurer, so I don't have all my eggs in one basket.
Alongside it, I had my Elise on a policy with LV and I found them very good value. Over the past couple of years I also found LV very flexible and top value for adding and changing other vehicles in and out of the same policy.
Admittedly I like to keep my daily on a standard policy with a local big-name insurer, so I don't have all my eggs in one basket.
Alongside it, I had my Elise on a policy with LV and I found them very good value. Over the past couple of years I also found LV very flexible and top value for adding and changing other vehicles in and out of the same policy.
TonyRPH said:
We are currently running two 'classic' cars (Audi A3 and BMW 325Ci) both 2002 models.
The Audi is the everyday car, and the BMW is used at weekends.
We're looking for an insurer who will cover both - either both as classic cars, or one as the every day car and one as a classic - but ideally the cover for both would be provided by the same company.
Any recommendations?
I’m with Classicline Insurance for an everyday Skoda Octavia vRS and a fair weather Porsche 968The Audi is the everyday car, and the BMW is used at weekends.
We're looking for an insurer who will cover both - either both as classic cars, or one as the every day car and one as a classic - but ideally the cover for both would be provided by the same company.
Any recommendations?
Tony said:
Under our new ‘Vehicle Insurance Portfolio’ policy with ERS, the premium based on existing information is £683.12. The policy includes the following benefits at no extra cost:
90 days Free European use. (Extended cover can be arranged at an additional cost.)
Unlimited windscreen cover subject to a £75 excess.
UK & EU Breakdown including Home Start, Roadside Assistance and Vehicle Recovery.
Repairs arranged with a garage of your choice.
Legal expenses cover.
Rallies, shows and Club arranged track days.
Optional covers you can purchase include a professional vehicle valuation service for £24. Please ask for details. Last year you paid us £673.72.
90 days Free European use. (Extended cover can be arranged at an additional cost.)
Unlimited windscreen cover subject to a £75 excess.
UK & EU Breakdown including Home Start, Roadside Assistance and Vehicle Recovery.
Repairs arranged with a garage of your choice.
Legal expenses cover.
Rallies, shows and Club arranged track days.
Optional covers you can purchase include a professional vehicle valuation service for £24. Please ask for details. Last year you paid us £673.72.
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