Classic Car Insurance Question

[Chunk49]

I don't really know much about "classic car insurance" other than I've read various posts from people saying they managed to get very cheap insurance as their car qualified for classic car insurance. I am currently considering a whole host of cars for my first car but the main thing putting me off is the crazy cost of insurance. A 944 would definitely be on the list if I could get cheaper insurance through a "classic car" policy.

Would this be possible? If so, could anyone recommend any classic insurers?

Cheers.

Edited by Chunk49 on Friday 4th November 00:09

[nev996]

im pretty sure on a lot of classic car ins companies that the car to be insured isnt your only vehicle and will want proof of other insurance on your main vehicle and they will mirror any discounts you already have.
ive just done my 996 but most companies said its too modern for classic ins????
i have insured it on a limited mileage and had to prove my no claims discount from my main vehicle.
hope this helps but some may say different!!

[cragswinter]

1980 911SC, unlimited mileage, agreed valuation of 25 grand, garaged when not in use, NOT main car, policy holder 35 yr old, 360 quid per year with free European brakedown coveredge

Carole Nash Classic Insurance.

As above has said, I think they want to hear it's not your only car though they may just want to know you're a named driver on another policy. Plus point is they don't use you NCB on a classic policy so you're free to use that on your daily snotter.

[SimonMaidenhead]

Ultima £590
1979 911 Targa £190
2004 996 Turbo S £500

All with Classicline Insurance

[Chunk49]

cragswinter said:

1980 911SC, unlimited mileage, agreed valuation of 25 grand, garaged when not in use, NOT main car, policy holder 35 yr old, 360 quid per year with free European brakedown coveredge

Carole Nash Classic Insurance.

As above has said, I think they want to hear it's not your only car though they may just want to know you're a named driver on another policy. Plus point is they don't use you NCB on a classic policy so you're free to use that on your daily snotter.

That sounds promising! I'm going to be added as a named driver to my mum and dad's policy, so if they will accept that then it could be an absolute WINNER!

I will speak to them and find out!

[Chunk49]

SimonMaidenhead said:

Ultima £590
1979 911 Targa £190
2004 996 Turbo S £500

All with Classicline Insurance

1979 911 Targa £190

Hats off!


2004 996 Turbo S £500

TRIPLE hats off! 2004 996 Turbo S on "classic" insurance!

[Pickled Piper]

As others have stated, in order to get a Classic/ Cherished vehicle policy you usually need to confirm that it is garaged overnight, have an agreed mileage limit and confirm that it is not your main vehicle.

I recently got a good deal, to include Class1 Business use and commuting to and from work from Bridle Insurance. They advertise on the 911 UK forum.

pp

[Chunk49]

Pickled Piper said:

As others have stated, in order to get a Classic/ Cherished vehicle policy you usually need to confirm that it is garaged overnight, have an agreed mileage limit and confirm that it is not your main vehicle.

I recently got a good deal, to include Class1 Business use and commuting to and from work from Bridle Insurance. They advertise on the 911 UK forum.

pp

Thanks for the info. Will see what they have to say!

[anonymous-user]

cragswinter said:

1980 911SC, unlimited mileage, agreed valuation of 25 grand

1980 SC - £25K agreed value! Seriously! Where did you get the valuation from?

[SteveM46]

Chunk49 said:

Pickled Piper said:

As others have stated, in order to get a Classic/ Cherished vehicle policy you usually need to confirm that it is garaged overnight, have an agreed mileage limit and confirm that it is not your main vehicle.

I recently got a good deal, to include Class1 Business use and commuting to and from work from Bridle Insurance. They advertise on the 911 UK forum.

pp

Thanks for the info. Will see what they have to say!

Just to add that 'classic' insurance doesn't have to apply to an old car. I have a 997 gen.1 on a classic policy, the only constraints are 5k miles per year, and NO class 1 business use (although I CAN use it to commute to and from my normal place of work,and I get five track days included).

I used Matt at Henderson Taylor, who was able to mirror the NCB on my daily drive. He's also a top bloke, very helpful and very easy to do business with.

[anonymous-user]

I'm currently using Heritage for my classic 911 (1982 SC) which costs only £155 on a limited mileage, agreed value policy with no breakdown cover.
I use Henderson Taylor for my 996 on a normal policy £690 for unlimited business use

[slodge]

I've gone from not having a Porsche 1 month ago to now having 2 in the garage - it's been a great few weeks!! I've done lots of ringing around for insurance and Bridles were the best broker for me:

964 C2: £290 on classic policy
996 Turbo S: £700

Cheers

[Chunk49]

Thanks for the replies - useful to read what people are paying and who they have insured through. I will be ringing round.

The limited mileage won't be a problem, and I have secure off-street parking in a secure carpark which is part of the block of flats I live in. However, from what people have said it looks like I will struggle as it will be my only car, although I will only be using it for social use.

[cragswinter]

uktrailmonster said:

1980 SC - £25K agreed value! Seriously! Where did you get the valuation from?

The invoices for the rebuild! You don't need to show a Market value for the car, you're simply insuring a car that you both agree on what it's worth.

For instance, if it was an unrestored car, worth say 10 grand, I'd expect the policy to be half what I'm paying (well, slightly over due to third party liabilities but you get my drift), remember, in the insurers eyes, the price of the car is peanuts in the event of a claim.