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Author Topic: insurance anyone found a broker that will take a mig as a classic car?  (Read 1198 times)

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Toaster

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well my PFL has turned 20 so assumed it would be easy to get a limited mileage second car classic policy

not despite there being less than 55 manual mv6s on the road they don't class them as classics at my broker,

anyone found a broker who does?
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TheBoy

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Doubt you will.

And if you used one of those stupid gay lookup sites like howmanyleft, be aware, they talk complete, utter nonsense.
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BazaJT

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I think most insurers only do classic policies on cars that are at least 25yrs old although some makes[Jaguar for example]can be got on a classic policy at anything over 5yrs old :o A couple of things to note is that classic policies don't accrue a no claim discount so after 2yrs you lose any ncd you've got on that vehicle unless at the end of year 2 you insure it on an "ordinary" policy for a year and are usually quite mileage limited.Some brokers/insurance companies do an sort of intermediate type of policy called a cherished car policy.
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Toaster

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think we're all good,

just spoke to the current insurer of the family kuga £320 fully comp for the year added on a multi car policy

happy enough with that I think.


was getting silly quotes elsewhere though.
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tunnie

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think we're all good,

just spoke to the current insurer of the family kuga £320 fully comp for the year added on a multi car policy

happy enough with that I think.


was getting silly quotes elsewhere though.

Not exactly classic quote though at that price, I'd want half that if it's hardly used.

I've just renewed my 3.2 and paid less than £320, that's 10k miles, commuting into London.
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TheBoy

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I'm guessing Glasgow is more expensive than Surrey ;)
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tunnie

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I'm guessing Glasgow is more expensive than Surrey ;)

How can that be, its up north. Everything is cheaper up North.  ;D
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David J

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You could try Heritage Car Insurance.
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Lizzie Zoom

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I am with Ageas via the AA and they have stated Omega's cannot be classed as "classic".  Therefore, as others have said, I am sure that the car must be at least over 25 years old to qualify for that status.

However, Ageas allowed me to place a value of £4,000 on mine.  That was very useful when I had my prang the other year, as they allowed £1,700 to repair my car, rather than the 'book' value to write it off.  It also helped that I was able to challenge them to find another like for like car with the equivalent mileage, condition and total package!  They just agreed to pay me to repair the car, which actually cost a little more than that as I took it to a specialist body shop who operate at the highest standards and worked with me to keep my Omega on the road. ;)
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New POD

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I'm not sure that doing 22k a year in an MV6 with class 1 business use, making up 18K of those miles, is EVER going to allow me to get it insured as a classic.

Wife has an 1997 mk1 MX5 insured as a Classic with 3000 mile limit. Last year it did 300 miles which is just pointless really.
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BazaJT

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Re: insurance anyone found a broker that will take a mig as a classic car?
« Reply #10 on: 15 September 2018, 18:26:08 »

I think it was the one Lizzie is with that I had my last Senator B with on a "cherished car" policy where you could get agreed value on the car.
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aaronjb

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Re: insurance anyone found a broker that will take a mig as a classic car?
« Reply #11 on: 17 September 2018, 09:06:53 »

Wife has an 1997 mk1 MX5 insured as a Classic with 3000 mile limit. Last year it did 300 miles which is just pointless really.

Jeez, and I felt bad that I'd only done ~5k in the BMW ;D
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Re: insurance anyone found a broker that will take a mig as a classic car?
« Reply #12 on: 17 September 2018, 13:03:17 »

I'm guessing Glasgow is more expensive than Surrey ;)

How can that be, its up north. Everything is cheaper up North.  ;D
You have clearly never been to Cumbernauld on a wet weekend :-X
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TheBoy

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Re: insurance anyone found a broker that will take a mig as a classic car?
« Reply #13 on: 17 September 2018, 17:14:23 »

Cumbernauld aint Glasgow though.

Mind you, I'd wager insurance is more expensive there ;D
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dave-b

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Re: insurance anyone found a broker that will take a mig as a classic car?
« Reply #14 on: 19 September 2018, 20:45:23 »

I paid about £340 for two Triumphs, a 2000 and a 2500, plus a 2001 Omega 3.0 elite with RH Insurance. The Triumphs are on 3000 miles p/a and the Omega was on 6000 miles, I have since sold it and got a refund of just over £200 on the Omega policy a month after renewal in July this year. I added the Omega to the Triumphs policy when it was almost eleven years old back in 2012, but I'm not sure if they are offering those rates and terms to new customers today.
www.rhspecialistinsurance.co.uk
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JamesV6CDX

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Re: insurance anyone found a broker that will take a mig as a classic car?
« Reply #15 on: 21 September 2018, 09:28:38 »

Last policy on my 2003 2.6 omega elite was with Adrian flux as a “modern classic”

34 years old, no claims or convictions, fully comp: not much change from £600

3,000 mile limit, too.

It’s now my daily driver and insured via a mainstream insurer for less
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Conradh

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I’ve got my 1998 on a classic policy for last 2 years with Adrian flux.  Also agreed value.  There are few insurers who will insure Omega’s like this as apparently they’re on an excluded list (whatever that means!). I find this odd as there’s not many left on the road now.
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Doctor Gollum

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I’ve got my 1998 on a classic policy for last 2 years with Adrian flux.  Also agreed value.  There are few insurers who will insure Omega’s like this as apparently they’re on an excluded list (whatever that means!). I find this odd as there’s not many left on the road now.
Probably tarred with the drifting boy racer brigade brush :-\

Oh, BTW, Adrian Flux are expensive... Inspite of two years Ncb, I can insure a V12 for 18k miles a year with change from £700.

Should I feel the need ::)
« Last Edit: 09 October 2018, 00:05:20 by Doctor Gollum »
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Conradh

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I went with Adrian flux in the end as it was one of the only insurers with the best price willing to insure an omega. It is twice the price of my Carlton which is only 5 years older and I have no problem finding insurers for it.
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TheBoy

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I’ve got my 1998 on a classic policy for last 2 years with Adrian flux.  Also agreed value.  There are few insurers who will insure Omega’s like this as apparently they’re on an excluded list (whatever that means!). I find this odd as there’s not many left on the road now.
Probably tarred with the drifting boy racer brigade brush :-\

Oh, BTW, Adrian Flux are expensive... Inspite of two years Ncb, I can insure a V12 for 18k miles a year with change from £700.

Should I feel the need ::)
Its always worth shopping around, as whats cheap for one situation can end up being expensive for the next.
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Toaster

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still not managed to get it on the road yet (not moved off the ramp for nearly 4 month ) .

will be up for renewal in a few months and now 21 year old.

tempted to stick it up a lay up policy next year.
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Tilbo

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Got my 19 year old Merc on a classic policy with Peter Best, LV also offer classic insurance on cars from 20 years old. The Merc has agreed value of £5250  mileage limited to 5,000 per year cost me £320 at last renewal (November 2018) must provide photos of car every 3 years.
« Last Edit: 10 February 2019, 18:52:08 by Tilbo »
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BazaJT

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I believe on some classic policies[maybe all?] you have to have a second vehicle as a daily driver and there can be other terms governing where/how the vehicle is kept overnight/when not in use?As well as mileage restrictions-the higher the annual mileage the higher the premium etc.
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Migv6

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I need enlightening on the point / advantage of classic insurance.  :-\
I insure mine fully comp with protected no claims for less than £150 per year on a normal policy.
My old 190 costs about the same, with the same type of policy.

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Bigron

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I'm sure someone more knowledgable will answer you more fully, Albs, but as I understand it, classic car insurance allows an agreed value higher than scrap value if written off and/or full restitution to its pre-accident condition.
Didn't Lizzie say something along those lines when she fought her insurance company?

Ron.
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