Cheap shite insurance?

[Partridge]

OK chaps and chapesses I have a grand burning a hole in my pocket and have decided to use it to buy and insure some new shite. Old Rovers, W124s and Fordshite have all be short listed.

 

Annoyingly, anything over about 20 years old seems to mean £££££££££ to cover...so can anyone recommend cheap insurance for old knackers young timers?

 

Ta muchly in advance

[Mr Lobster]

Surely anything over 20 should qualify for cheapish classic insurance...

[scruff]

RH Heritage are pornographically cheap, my old LR is with them fully comp with euro breakdown cover for under £90

[dollywobbler]

Bishop Calway have always been recommended by young 2CVers. Peter James are a bit sniffy about drivers under 25, but that's perhaps because they can make premiums lower for us old farts.

[Partridge]

Lobby, that's what I thought but I've tried using all the normals ports of call and driving an old car sends it through the roof. I've only heard bad from the about companies which specialize in classics (i.e, their Premier League bastards when you actually need to use them).

 

Cheers Scruff, I'll look into them!

[Partridge]

Bishop Calway have always been recommended by young 2CVers. Peter James are a bit sniffy about drivers under 25, but that's perhaps because they can make premiums lower for us old farts.

I'll get googling them...

[catsinthewelder]

 I've only heard bad from the about companies which specialize in classics (i.e, their Premier League bastards when you actually need to use them).

 

You're insuring an old shitter,  it doesn't actually matter if the insurance pays out on it so long as it shows up as insured on the plods computer and the free recovery send someone out when it explodes in a shower of cogs on the M6.

[dollywobbler]

I can't agree that the classic bods give poor service either. I've twice had cause to use claim departments (FJ and Peter J) and both times they were pretty good. FJ only lost points when their solicitors bodged up my case. I was seriously unimpressed, but FJ themselves kept me in the loop.

[Mr Lobster]

I'd highly recomend RH Classics too. Cheap and great service. R4 van is insured fully comp with agreed value and whatnot for about £120.

[Bobthebeard]

Performance Direct have always been ok so far. Providing that the 'classic' is not the daily driver, and you also have a reasonably modern car as a daily....

My recent Porsche 944 was £105 fully comprehensive on this basis.

[brickwall]

Rangie is £190 fully comp agreed £2000 value ( ) with max 6000 miles and breakdown with Swinton.

[Guest Facelifted75]

give direct line a go they're not on comparison sites so pass the saving in to you

[Pillock]

I used to have my Scirocco through Sureterm, £230 including breakdown.

I think I've also used Footloose James before, they were even happy to insure chod of semi-dubious "classic" credentials such as an E36 and a Mk3 Golf.

[Mr Livered]

Reading that insurance is dearer on old cars was a really unnerving experience, like maybe I must be living in a parallel universe or something. Same with the standard of service thing: over 20 years of driving old and modern cars, the old ones have been WAY cheaper and the service WAY better, consistently, every single time. Weird!

[Vince70]

I use Adrian Flux and on classic car insurance and I pay about £120 a year for an Audi 2.3 cabriolet with key protection and windscreen cover on full comp so it may be worth giving them a try..

I didn't even have to use my no claims bonus on the policy but the problem there is if you don't use the no claims bonus after a couple of years you lose it when it comes to insure a newer car on a standard insurance policy.

[Pillock]

Aye, it's worth remembering that... I've just renewed the daily insurance and it clearly states that NCB must have been added to in the last two years.

I used to run something shite for 18 months, something newer for a year, back to shite. The downside is that if you crash your shite, you still have to declare the accident even though you don't lose NCB, because you're not earning NCB.

[chaseracer]

Rangie is £190 fully comp agreed £2000 value ( ) with max 6000 miles and breakdown with Swinton.

The best quote by far for the 205 was also with Swinton. And apparently, the deal includes some kind of free Russian rodent...

[New POD]

I had the 97 MX5 on a classic policy for £230, and eventually went to a none classic policy with NO ncb for £225, going to £220 in the second and £200 with 2 years NCB built up.

 

The 92, Cavalier of my wife was costing 186 with full ncb, and went to 212 when it was swapped to a BINI cooper, and then £2086 when we added a 17 year old who had passed her test the day before (and a 20 year old)-(So nobody complain about insurance costs please)

[fordperv]

I use Lancaster classic insurance, go on confused.com * put your details in and it does bring classic insurers up in the results if the car is old enough

 

*other comparison sites available, it's just I'm obsessed with Brian the robot

[Pete-M]

give direct line a go they're not on comparison sites so pass the saving in to you

They're absolute arseholes on occasion though. Always chaos involved if someone insured by them crashes into you.

[mercrocker]

My Footman James  3 car policy ran out last month - £225 TPF&T no mileage, commuting allowed.  Got the same  deal  from Peter James for this coming year - £85.

Just need  use of another car to qualify  - I  use my damper van (insured  with Just Krappers on an Adrian Flux policy for £40 less than Mr Fux wanted directly, go figure!)

as "other  use" vehicle .  Missus has her  own policy with some other suits for £140 fully comp on the 190E (she is giffer as  well as female so gets all the discounts).   My method - use Peter James.  I only insure  my cars to keep the Man off my back so cheaper is bester for me

[alf892]

They're absolute arseholes on occasion though. Always chaos involved if someone insured by them crashes into you.

Yeah...but I quite like that idea if it means they don't roll over easily on every claim....

 

My old rover is due now and I'm shopping around cos it's £97 fully comp. I'm not paying the 15 extra for agreed value simply this time either...