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T&C's of classic insurance?
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TOPIC: T&C's of classic insurance?
#46674
T&C's of classic insurance? 7 Years, 8 Months ago Karma: 2
I'm currently looking to get my rev1 mk2 back on the road. I have, in the past, had classic ins with campion but took the car off the road last year due to funds. Previously I had my own policy on a separate car so it was straight forward to get the MR2 insured as a classic. This year I put my GF on my policy and was told it would be cheaper if she went as main driver and I was named. Eager to save €120 I went ahead with this but now I no longer have my own policy, instead am only named. Does anyone know if this is sufficient to obtain classic insurance. I have my motorcycle policy still in my name. This and my bicycle is what I use as daily transport.
I'm gonna ring but was wondering if anyone has any experience with this.
Cheers
Tony
tony67
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#46675
Re: T&C's of classic insurance? 7 Years, 8 Months ago Karma: 27
I think your motor bike insurance should be enough to get classic insurance, but it will depend on the company. Classic insurance policies are limited by milage, but they never request the mileage on rewnewal, but you are expected to be honest. hope this helps. You would be better to talk to a broker or an insurance company.
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#46676
Re: T&C's of classic insurance? 7 Years, 8 Months ago Karma: 4
i just renewed my classic insurance today
293 euros happy days !!
thats fully comp,breakdown and windscreen cover
and limited to 4000 miles
i deal with First Ireland and they are very helpful
give them a try on 01-8820801
hope this of some help ?
GB
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#46677
Re: T&C's of classic insurance? 7 Years, 8 Months ago Karma: 217
You should also price it as a 'normal' car policy. You might find it is similarly priced and gives you more options of insurance companies.

Personally, I think you would need a car policy in your own name to be able to qualify for classic insurance but the only way to check is to talk to a broker
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#46681
Re: T&C's of classic insurance? 7 Years, 8 Months ago Karma: 328
Spanky wrote:
You should also price it as a 'normal' car policy. You might find it is similarly priced and gives you more options of insurance companies.

Only problem with that Spanky is feck all of the insurers will cover the MR2 down south any more. I reckon its a rigged market place and they divvy out the spoils in rotation to ensure a smooth profit for all over a few years.

But of course that is tinfoil hat talk.
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#46683
Re: T&C's of classic insurance? 7 Years, 8 Months ago Karma: 137
GB wrote:
i just renewed my classic insurance today
293 euros happy days !!
thats fully comp,breakdown and windscreen cover
and limited to 4000 miles
i deal with First Ireland and they are very helpful
give them a try on 01-8820801
hope this of some help ?


Which classic car club are you a member of ?
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#46687
Re: T&C's of classic insurance? 7 Years, 8 Months ago Karma: 2
Well I've just spent the last few hours trying to get quotes as a normal non classic car. Most places wont touch it due to the age. The rest seem to not want to take the "RISK" of a 32 year old man in a 2 litre car. Think classic is the only way to go. Ill ring the different providers tomorrow. I hope I have some luck otherwise I have an uninsurable car. If thats the case I'll have to transfer it into my GF name and get her to insure it as a classic and drive it on the open drive.
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#46688
Re: T&C's of classic insurance? 7 Years, 8 Months ago Karma: 328
tony67 wrote:
If thats the case I'll have to transfer it into my GF name and get her to insure it as a classic and drive it on the open drive.

Thats the set up I have on mine or should I say her car.
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#46817
Re: T&C's of classic insurance? 7 Years, 8 Months ago Karma: 2
Ok so finally got round to ringing Campion. It seems my bike policy, the fact Im named on my GF's policy and have use of a company van when i need it is sufficient to obtain classic insurance on the MR2. Gonna send all the details and payment tomorrow. The rep advised me to defer coverage till this month is over because the policies run from the beginning of the month, bit like tax, So ill include a note to put a hold on cover till Aug 1st.
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#46907
Re: T&C's of classic insurance? 7 Years, 8 Months ago Karma: 25
Check out the small print, I found my policy had a strict garaging part that would not cover the car for any claims between 9pm and 7am if the car was not garaged.
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#46909
Re: T&C's of classic insurance? 7 Years, 8 Months ago Karma: 217
weeJohn wrote:
Check out the small print, I found my policy had a strict garaging part that would not cover the car for any claims between 9pm and 7am if the car was not garaged.


Surely that would only apply if you had said it was stored in a garage. Our second car is insured stating that it is parked on the driveway (MR2 is in the garage) so it never needs to be garaged.
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#46930
Re: T&C's of classic insurance? 7 Years, 8 Months ago Karma: 2
The policy is strictly TPO so my insurance is useless to me other than the fact it allows me to drive legally.
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#46948
Re: T&C's of classic insurance? 7 Years, 8 Months ago Karma: 25
Spanky wrote:
weeJohn wrote:
Check out the small print, I found my policy had a strict garaging part that would not cover the car for any claims between 9pm and 7am if the car was not garaged.


Surely that would only apply if you had said it was stored in a garage. Our second car is insured stating that it is parked on the driveway (MR2 is in the garage) so it never needs to be garaged.


I said it was mostly garaged, but regardless of that, it still wasnt covered for damage or loss if it was NOT in a garage.
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