Classic car insurance lowdown

[Bobo0907]

Anyone on here know anything about classic insurance? Iv tried searching google but all it comes up with is people selling it :homme:

Been toying with the idea of getting a S1 Rs turbo for some weekend fun and some cheapo diesel as a second car. ;)

[D--R--E--W]

Not really too clued up on it. Think the car needs to be a certain age

[swampy]

car had to be failry old or will be what they term a modern classic
things like to the early 205 and 309 gti and 306 s16 fall in to this catagory

an series 1 rs may fall in to it im not sure

most places you have to be over 25 years old to take it out
most places dont let you gain ncb with the policy and your severley limited on milage

[Bobo0907]

Surely the S1 RS Turbo is a classic? I know plenty of people who would regard it a classic.

Most places 25? Damn. May have to wait a while then :( but ill have a look around hopefully find something:y:

[holdawayt]

The golf is going to be insured on a classic policy.
It's 21 years old
I'm 19 years old.

They wouldnt normally insure me, but i'm a member of a few owners clubs.
If you can tell them what owners club you're a member of and you membership number they should be able to insure you, good price too!

That was with footman james by the way.

Tom

[TypeRDavid]

Try Lancaster Insurance.

[Bobo0907]

All right guys cheers for the info. Ill have a look

[jw1325]

classic cars have to be 25 years old iirc.

our family has a merc which is about to turn classic next year, inherited from my grandad.

once it is classic, tax is abolished, and im actually pretty sure that they are CHEAPER to insure.

of course there is the issues of where you are going to keep it, and how safe it will be (as old cars are easily stolen- as we know)

but in the sense of how you will drive it / look after it / how long you have owned it/ mileage, insurance should be lower as its a classic car, its going to have been looked after to get to that age, its not going to be rallied etc, therefore less chance of crash, and a claim.

[deans2k8]

classic cars have to be 25 years old iirc.

our family has a merc which is about to turn classic next year, inherited from my grandad.

once it is classic, tax is abolished, and im actually pretty sure that they are CHEAPER to insure.

of course there is the issues of where you are going to keep it, and how safe it will be (as old cars are easily stolen- as we know)

but in the sense of how you will drive it / look after it / how long you have owned it/ mileage, insurance should be lower as its a classic car, its going to have been looked after to get to that age, its not going to be rallied etc, therefore less chance of crash, and a claim.

thought tax was only abolished on black plates?

EDIT: looked it up it used to be that cars over 25 years old was tax exempt but they stopped that in 1998, but i think cars that were 25 years old before 98 will be tax exempt? idk

[Furioman]

has to be 1972 or earlier to be tax exempt

[jw1325]

thought tax was only abolished on black plates?

EDIT: looked it up it used to be that cars over 25 years old was tax exempt but they stopped that in 1998, but i think cars that were 25 years old before 98 will be tax exempt? idk

nah, we had letter through from DVLA saying like....

no tax to pay on it. what a luxury!

[holdawayt]

If a car is say 24 at the moment, just because it turns 25 next year does not mean it'll be tax exempt next year.

The car has to be registered before 1972 for it to be tax exempt, i would know having a garage full of 50yr old cars!

[deans2k8]

nah, we had letter through from DVLA saying like....

no tax to pay on it. what a luxury!

yeah about that..that was me sending that letter..sorry to get your hopes up :afro:

[Bobo0907]

classic cars have to be 25 years old iirc.

our family has a merc which is about to turn classic next year, inherited from my grandad.

once it is classic, tax is abolished, and im actually pretty sure that they are CHEAPER to insure.

of course there is the issues of where you are going to keep it, and how safe it will be (as old cars are easily stolen- as we know)

but in the sense of how you will drive it / look after it / how long you have owned it/ mileage, insurance should be lower as its a classic car, its going to have been looked after to get to that age, its not going to be rallied etc, therefore less chance of crash, and a claim.

Well the S1 is 1984 to 85 so its ok for age.

It will be locked in a garage in a low crime rating area so that shold be fairly low insurance hopefuly.

As for driving it, I would only use it for the odd weekend run and maybe a few shows.

[MiniGibbo]

As cheap as it is its not all good.

-No ncb
-Most are over 21/5
-Limited miles
-Some ask for proof of another vehicle


From what ive always been lead to believe it was 21 for classic but as above if your in an owners club ie and "enthusiast" you can get away with it lad i know has a 306 gti on classic, also know a bloke with his 97 m3 evo on classic.

As for has to be 1972 dont now where you got that from our old mini 25 ( A reg) was tax exempt once it turnt 21??

[LSOfreak]

i no 2 people who have gone on classic car insurance as there 1st cars?

[Bobo0907]

i no 2 people who have gone on classic car insurance as there 1st cars?

What was the cars and how old where they?

[LSOfreak]

both under 20, a classic mini and an old mg

[Quick]

Vehicle built pre Jan 1 1973 are tax exempt.
http://www.direct.gov.uk/en/Motoring/OwningAVehicle/TaxationClasses/DG_4022042

[sudds]

How is a 306 a classic? Thought they were only like 20 years old at the most?