Classic Car Insurance For a 17 Year Old?

Classic Car Insurance For a 17 Year Old?

Author
Discussion

PetrolHead11

Original Poster:

26 posts

100 months

Friday 4th March 2011
quotequote all
Hi everyone. I am 17 years old and am considering finding a Austin Mini 1.0L for my first car. Would i be able to get a classic insurance policy? If so, what company would offer me this? Thanks

andyps

7,768 posts

224 months

Friday 4th March 2011
quotequote all
Unfortunately I don't think you will be able to, but hope you can. Great choice of first car, same as my daughter had. Direct Line were cheapest for her insurance but will only provide third party only cover for cars over 25 years old.

rawkyjnr

257 posts

113 months

Friday 4th March 2011
quotequote all
I drive a Mini, and I have classic car insurance at the age of 17 with Footman James. Noone came close on price for me! There's certainly savings to be made through an old car!
You'll love it. They are great fun.

Synchromesh

2,417 posts

108 months

Friday 4th March 2011
quotequote all
Yes.

Try Peter James, Footman James and Adrian flux.

If you get no luck go onto TMF (if you're not already a member) and ask there.

Searider

805 posts

197 months

Friday 4th March 2011
quotequote all
I think that "Classic car" insurance is generally for second or third cars:

Limited mileage
No commuting to work / school
Generally no NCB attached to the policy - insurers recognising that it will be a second car.

That's how it was with my Landrovers and kit cars.
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Fatboy

7,512 posts

214 months

Friday 4th March 2011
quotequote all
Searider said:
I think that "Classic car" insurance is generally for second or third cars:

Limited mileage
No commuting to work / school
Generally no NCB attached to the policy - insurers recognising that it will be a second car.

That's how it was with my Landrovers and kit cars.
My main car is on a classic policy, and my other car is in bits on a lay up policy, so it's not a hard and fast rule...

Searider

805 posts

197 months

Friday 4th March 2011
quotequote all
Worth OP getting on the phone then!

OctaneV8

123 posts

153 months

Friday 4th March 2011
quotequote all
Try Lancaster.
I got a reasonable deal on a classic policy when I was 20, and their subsequent renewals came with good discounts, a sort of no-claims bonus if you like.

Synchromesh

2,417 posts

108 months

Saturday 5th March 2011
quotequote all
Some require another non-classic, but others don't.

Almost all will be limited mileage so take that into consideration (although you will be able to increase it, albeit at an extra cost).

Ash From Flux

1,138 posts

110 months

Monday 7th March 2011
quotequote all
Synchromesh said:
Yes.

Try Peter James, Footman James and Adrian flux.

If you get no luck go onto TMF (if you're not already a member) and ask there.
Hello, We couldn't insure you under a classic policy but you definitely have the cheapest car to insure for young drivers so that was a good choice. If you are still after a quote on a young driver scheme you can pm me your details.

collateral

7,238 posts

160 months

Monday 7th March 2011
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A while back I tried to get a mk1 mr2 on classic but had to give up because everywhere I tried needed you to be 25 iirc

43034

2,770 posts

110 months

Monday 7th March 2011
quotequote all
Hello OP,

I am in the same boat as you at the moment (17next month). I am also looking for a classic car and only know of 2 insurance companies that can give a classic policy (both mentioned here, Footman James and Peter James). I have contacted both and so far only got a reply back from Peter James (to be fair, I sent an email at 1615 today so not really expecting a reply today).

I asked what types of car they would insure along with terms (mileage etc etc). Here is the reply from Peter James:

Peter James said:
Dear Mr -----,

ThankYou for your email in regards to classic car insurance.

As per our rating criteria you must hold a full UK licence and be a member of a car club.

The types of vehicle's we will insure young drivers on are saloon type vehicles with an engine size smaller than 1300cc.

For example :

Ford Anglia
Triumph Herald
Morris Minor
Austin Mini

The Mileage options would be:

1500
3000
4500
6000
Unlimited

Commuting to a single place of work will not make any difference in premium

If you would like to go through a full quotation over the phone we will be able to look into a premium for you.

Many Thanks

Peter James Insurance
I hope this clears it up (it has for me!) and I shall post a reply from Footman James as and when I get it!

43034. thumbup

PetrolHead11

Original Poster:

26 posts

100 months

Thursday 10th March 2011
quotequote all
43034 said:
I hope this clears it up (it has for me!) and I shall post a reply from Footman James as and when I get it!

43034. thumbup
Yeah looks like i'll be getting the 998cc Austin Mini then xD. They are nippy little cars, especially in the bends. Would be great fun. Thanks mate.

jazzybee

3,032 posts

191 months

Thursday 10th March 2011
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My fear (for my son who is about to turn 17 later this year) is the crash protectkon of an old car. I would be happier if I could get him a mini with a rollcage fitted, but I fear that would increase premiums. Anyone know if that is the case?

andyps

7,768 posts

224 months

Thursday 10th March 2011
quotequote all
jazzybee said:
My fear (for my son who is about to turn 17 later this year) is the crash protectkon of an old car. I would be happier if I could get him a mini with a rollcage fitted, but I fear that would increase premiums. Anyone know if that is the case?
As far as I know it does increase the premium by a substantial amount, but I don't have personal experience on which to base that.

When I was 17 I drove a Mini and a Triumph Herald and never worried about crash protection. When my younger daughter came to 17 she got a Mini and I never worried about crash protection. My elder daughter currently drives a Mini and I don't worry about crash protection. I hope that isn't tempting fate, but provided they drive sensibly then a Mini has better ability to get out of the way than many other cars, primary safety is very important in my view.

excel monkey

3,507 posts

169 months

Thursday 10th March 2011
quotequote all
jazzybee said:
My fear (for my son who is about to turn 17 later this year) is the crash protectkon of an old car. I would be happier if I could get him a mini with a rollcage fitted, but I fear that would increase premiums. Anyone know if that is the case?
How about something a bit bigger, like a Viva, or a Herald, or an Austin 1100/1300?

Still keeps within the "saloon cars under 1300cc" criteria mentioned above.