what age does it become a classic?

[Glasgowrob]

just picked up a Omega for a bit of a project and was wondering if it might be able to be insured on a classic policy?


first registered Aug 1998 so 18 years old next month.

is there any hard and fast rules or does each company look on it differently.

any suggestions on who to speak to?

[andyman_2006]

Glasgowrob said:

just picked up a Omega for a bit of a project and was wondering if it might be able to be insured on a classic policy?


first registered Aug 1998 so 18 years old next month.

is there any hard and fast rules or does each company look on it differently.

any suggestions on who to speak to?

---

15 years old is the start point.

I use Lancaster insurance quick google with find them and haggle on price they will match most other genuine quotes.

Classic line are another company I would use.

Whether they deem your car classic I'm not sure but age wise it must be as its eligible to join classic car clubs however these companies might have their own criteria on what they deem classic.

Andy.

[Old Merc]

I`m sure one of the classic specialists mentioned will take you on.Just remember though the normal criteria is for the car to be a "second/week end car" with you having another car as a daily driver,there may be mileage restrictions?,it may have to be garaged overnight,all that sort of stuff.
I considered this with my 1997 SL320 and found it cheaper and less hassle to keep it covered on my motor traders policy.
Just do a bit of research and get quotes,classic and nonclassic.

Edited by Old Merc on Monday 11th July 15:19

[battered]

As said above the limitation with classic policies is more about usage and garaging etc. I have a 16yo MX5 on a classic policy, it's not a high risk car by any means or high value but they insisted on it being garaged. This is leafy suburban Leeds, not inner city.

[Doofus]

There are no rules.

[Sebring440]

andyman_2006 said:

15 years old is the start point.

Not Correct.

Doofus said:

There are no rules.

Correct.

I insured my Jag on classic car insurance from about ten years old. You (obviously) need to be a member of a relevant club and it will be limited mileage.

I now insure it on my Aviva multicar as it's much cheaper and I don't have to be a club member.

[Doofus]

The point is, (and the one that I am getting tired of telling people) is that insurance is a legal reqirement, but insurance is not defined by law. Everything is marketing.

NCB/NCD is marketing guff. It is not real.
Classic status is marketing guff. It is not real.
Multi-car insurance is marketing guff (apart from a small reduction in risk). It (mostly) is not real.
Etc
Etc
Etc

[andyman_2006]

Sebring440 said:

andyman_2006 said:

15 years old is the start point.

Not Correct.

Doofus said:

There are no rules.

Correct.

I insured my Jag on classic car insurance from about ten years old. You (obviously) need to be a member of a relevant club and it will be limited mileage.

I now insure it on my Aviva multicar as it's much cheaper and I don't have to be a club member.

---

My 15 year comment was made simply as a guide and as member of a 'classic car club' they set an age limit to allow members, my club for example sets a 15 year and 20 year rule for its events and 15 years min for its membership. So if you did try and join this club with a 10 year old car you would be refused. Hence to be a classic car in most cases you would expect the car (and most classic clubs would) to be 15 years old minimum. On this basis i would imagine classic car insurance would apply a min age rule in most cases, as well as the other restrictions mentioned here, mileage, garaging rules, and something like not attempting to use it for 'business class use'.

Andy

[Glasgowrob]

wont be bothering for a while yet as cars in the bodyshop for the forseeable future so sorned and off the road.


getting some stupid quotes as a second car

cheapest through the comparison sites was 3 grand, i'm 35 with a solitary fault claim lol

[Sebring440]

andyman_2006 said:

Hence to be a classic car in most cases you would expect the car (and most classic clubs would) to be 15 years old minimum.

andyman_2006 said:

On this basis i would imagine classic car insurance would apply a min age rule

You can expect and imagine all you want, but the OP was wanting direct experience. Why post an "answer" (in your case a very positive "15 years old is the start point"), when this was plainly not the case?

[PositronicRay]

I've a 94 MB, some classic ins wouldn't quote, some stupidly high. Ended up with Saga, free comprehensive European cover a real benefit.

[andyman_2006]

Sebring440 said:

andyman_2006 said:

Hence to be a classic car in most cases you would expect the car (and most classic clubs would) to be 15 years old minimum.

andyman_2006 said:

On this basis i would imagine classic car insurance would apply a min age rule

You can expect and imagine all you want, but the OP was wanting direct experience. Why post an "answer" (in your case a very positive "15 years old is the start point"), when this was plainly not the case?

---

Because its based on direct proper real world experience, based on my insurer and car club. end of.

I dont make up these club or insurance rules.

I also have a '52' plate Bmw M3, and my insurer and car club wont deem this as a classic car (yet) as its under 15 years old, they would however deem the OP's Omega at 18 years old a classic so here we have 'direct experience' and plainly is the case for my real world experience, is this ok for you sir?

Andy

[Johnnytheboy]

Glasgowrob said:

cheapest through the comparison sites was 3 grand, i'm 35 with a solitary fault claim lol

Lancaster are very cheap for me for my old wreck.