Classic car insurance???

[25v6turbo]

Does anyone know a classic car insurance company who will insure my L reg Renault Safrane V6??,its 15 in Jan,so i think its able to be insured but who can provide cover,it does very few miles(under a 1000 a year)and is garaged,but normal insure is costly at the moment,forget Footman James already with them with the Triumph and they say no go!!!

[pogweasel]

Why is the 'regular' insurance costly? And are the benefits of classic insurance worth it?I've my 20 year old BMW insured on a normal policy... if I put it on a classic policy, my NCB would vanish into the mists and I'd be jiggered trying to get it back should I need a normal car again, plus it's actually cheaper to pay direct line to cover me to a level much greater than I probably need than to go through one of these classic deals - last one I tried came out at £400-odd, whcih is NOT ACCEPTABLE.

[Rocket88]

Classic car insurance does have one huge advantage, in that most policies are agreed value, if you state it's worth ex, you pay the premium, and x is what you get back if it's written off. Your Renault would orobably be worth about £400 as a write off with a normal insurer, but if you agree a value of, say, £2000, that's waht you get back.They usually want photos etc though. Just "googled" your query, the AA does classic car insurance for stuff over 15 years old.....

[mouseflakes]

on a classic policy, my NCB would vanish into the mists and I'd be jiggered trying to get it back should I need a normal car again

That's the real pain with classic policies.My R30 is with Budget - best deal I could find - cheaper than the classic specialists and I'm earning NCB on it.

[Volksy]

My R30 is with Budget - best deal I could find - cheaper than the classic specialists and I'm earning NCB on it.

I hate Budget, I'm with them and they give great first quotes, however when you change your car it's always cheaper to take out a new policy with them than change vehicles with your existing underwriter.

 

What they didn't tell me was, despite being insured by them for 3 years, as I changed my car a number of times, and to avoid the high change of premium and exorbitant cancellation charges (e.g. downsizing from a '98 Saab 9-3 2.0i to a '00 Fiat Shitcento 1.1, there was actually an increase in my existing premium!) they convinced me to take out a new 12 month policy each time -

 

"No Sir, if you take a new policy with us there are no cancellation charges, and its half the cost"

that I haven't built up any no claims in this time as none of the underwriters insured me for a full 12 months..

 

Guess I'm just stupid...

[mouseflakes]

Guess I'm just stupid...

No - I guess I am for not asking about this when I took out the policy - I was planning to switch my policy to another vehicle soon. Didn't know about this.Thanks Volksy - as I'm near the end of this policy then perhaps I'll hold off on the change and shop around for the next one.All useful info for Mr Turbo though.

[Ratdat]

Why is the 'regular' insurance costly? And are the benefits of classic insurance worth it?I've my 20 year old BMW insured on a normal policy... if I put it on a classic policy, my NCB would vanish into the mists and I'd be jiggered trying to get it back should I need a normal car again, plus it's actually cheaper to pay direct line to cover me to a level much greater than I probably need than to go through one of these classic deals - last one I tried came out at £400-odd, whcih is NOT ACCEPTABLE.

I checked out Direct Line for cover on the Vel Satis and they quoted me nearly £900!! I think it'll be going on my trade policy along with everything else

[rawy]

I have my 1998 Saab insured with Lynbrook on classic insurance. Cost about £200 a year, 8k & included commuting.I would reccomend you give them a call: 0845 130 4662CheersRawy

[25v6turbo]

Many thanks for the ideas,Lancaster has quoted me more than my Tesco current insurance...

[r.welfare]

Heritage Quote (Norton) have covered my 405 estate which is 15yrs old on a classic policy - they were the only "big" classic insurance player I could find that covered something that's old enough but is not a classic, and I would have thought a Safrane fits the same profile.The lack of NCB is a bummer but I have the saloon on a non-classic policy so there's NCB accruing on that.