Luxobarges_Are_Us Posted April 4, 2011 Share Posted April 4, 2011 In preparing to move back to England, I've realised that my no claims bonus will only expire a couple of days after my arrival (it doesn't seem that any insurers accept NCD notes older than two years). I'm obviously keen on buying a nice big barge ASAP, but the logical thing to do would be to get a hire car for 4-5 days in order to be able to go shite-hunting (as an added bonus, I have a Sixt loyalty card that often results in a nice upgrade, so it could be possible to shock sellers of scruffy old Sonatas by turning up in a brand-new Merc). Then I thought "sod the NCD rubbish, I'll just make sure to buy something 15+ years old and get myself a classic insurance policy". Alas, all online quote systems I've tried have been either "unable to quote" or given normal-policy quotes from old-school underwriters like Saga, which, even with the NCD, is well over a grand...almost 3 times the Shitcover/tesco insurance price. Alright, I may be (just) under 30, but does this really prevent them from quoting me on a 2-litre Granada or whatever that has about as much raw POWA as a new Ibiza 1.2? Or is the "classic insurance" tag just a way to convince people that they should get bummed by some insurer that can't get "normal" customers anymore? There were also a few policies that were restricted to those owning (and insuring!) another car (what's the point of mileage limits, then?). If the above wasn't bad enough, some non-classic insurance policies seem to exclude cars older than 16 years old! Of course, it's possible to buy the first heap that I come across, insure it with Shitcover (which still costs about 600 quid) and then go looking for something that actually suits me, but can anyone enlighten me on the workings of classic insurance? Link to comment Share on other sites More sharing options...
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