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#88912 - 11th Feb 2006 12:44pm Classic Insurance
mp3_85 Offline
Smartchild

Registered: 5th May 2005
Posts: 545
Loc: wirral
How does classic iunsurance work, I heard classic cars dont need tax or something but are the premiums dead low. I cant find anything helpful on the web. Plus is it 15years or older cars?

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#88913 - 11th Feb 2006 1:08pm Re: Classic Insurance
Cali_16v Offline
Wiki Guide

Registered: 17th May 2004
Posts: 6261
Loc: Birkenhead
the tax thing stopped years and years ago mate. if your car was made before a set day it dont have to pay road tax its not when your car reaches a certain age anymore.

classic insurance depends on the insurance company like you can have an XR3i on classic insurance aslong as your over 25 with no claim bonus and accident or convictions and the premium is a few hundred. if you insure it main stream your looking at a lot more.
_________________________



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#88914 - 11th Feb 2006 2:28pm Re: Classic Insurance
GazzA Offline
Smartchild

Registered: 7th Dec 2003
Posts: 646
Loc: Prenton
i got a quote yesterday on a RS turbo Escost 1989 and it was 700ish..

thats with me being 21 and with my 3yrs NCB

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#88915 - 11th Feb 2006 3:59pm Re: Classic Insurance
mp3_85 Offline
Smartchild

Registered: 5th May 2005
Posts: 545
Loc: wirral
did you ask for classic insurance or not? The reason I asked is that 1992 models of anything (supras, skylines) were being classed as classics on another unnamed website forum laugh

and the peeps had quotes under 1200, true they r a bit older and I know insurance comes down post-25yrs old. but i got the impression the 'classic' status had a big bearing

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#88916 - 11th Feb 2006 4:33pm Re: Classic Insurance
scoop Offline
Wiki Addict

Registered: 18th Nov 2004
Posts: 7238
Loc: Leuchars
"classic" insurance is looked on differently by differnent companys, the rules of classsic insurance are varying too,but basically,any car considered a classic by a lot of people (ie,S1 RSTs) will be able to be covered under classic insurance,u can only put a few thousand miles a year on them tho if they are classically insured,and tax exempth cars are pre 1970 something cars only. in ten years time itll still be pre 1970 something.an 80's car will not be tac exempt in 10 years
_________________________

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#88917 - 11th Feb 2006 8:26pm Re: Classic Insurance
Cali_16v Offline
Wiki Guide

Registered: 17th May 2004
Posts: 6261
Loc: Birkenhead
spot on scoop, normally the maximum you can do it 5000 miles per year, AND THEY WILL CHECK.
_________________________



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#88918 - 11th Feb 2006 8:48pm Re: Classic Insurance
Scooby Offline
Forum Veteran

Registered: 9th Nov 2003
Posts: 5327
Loc: Birkenhead, Wirral.
This will help about the Road Tax exemption of old vehicles :
---------------------------------------------------------------

Exemptions from Vehicle Excise Duty (VED)

The law requires any mechanically propelled vehicle that is used or kept on a road in the UK to pay VED. Schedule 1 to the Vehicle Excise and Registration Act 1994 (as amended) prescribes rates of VED. There are exemptions from paying VED and these are contained in Schedule 2 to the 1994 Act. The main exemptions are:
  • Old Vehicles vehicles constructed before 1st January 1973 that are not used for hire or reward or in connection with a trade or business.
  • Fire Engines/Fire Service Vehicles
  • Ambulances and Health Service Vehicles
  • Mine Rescue and Lifeboat Vehicles
  • Vehicles for Disabled People
  • Limited Use Vehicles - vehicles used for the purposes of agriculture, horticulture or forestry that are only used on public roads in passing between different areas of land occupied by the same person. The distance travelled on public roads between two such areas of land must not exceed 1.5 kilometres.
  • Tractors/Agricultural Engines
  • Mowing Machines
  • Steam Powered Vehicles
  • Electrically Propelled Vehicles
  • Snow Ploughs/Gritters
  • Trams*
  • Electrically Assisted Pedal Cycles*
  • Pedestrian Controlled Vehicles*



Even though the above vehicles are exempt from paying VED, they are still required, by law, to be licensed and registered on the DVLA vehicle register (except those annotated *). For further advice you should contact your DVLA Local Office.

That should clear that one up.....

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#88919 - 11th Feb 2006 8:53pm Re: Classic Insurance
Scooby Offline
Forum Veteran

Registered: 9th Nov 2003
Posts: 5327
Loc: Birkenhead, Wirral.
Classic Car Insurance

Classic Car Policy Features can Include:
Agreed value (valuations not usually required)

  • Free Green Card Cover (up to 90 days a year)
  • Option to retain salvage
  • Windscreen and Window cover
  • Full breakdown and recovery service for the UK and Europe
  • Classic Car Cover:
  • 1500 / 3000 / 5000 / 7500 mileage options
  • Collectors Policies
  • Rally Cover
  • Wedding Hire by Day or Year
  • Track Day Cover


Vehicles over 10, 15, 20, 25 and 30 years old

Vintage vehicles

Multi vehicles

Insurance on your everyday car

Vehicles owned for 3 years or more
--------------------------------------------------

This is general info about classic car insurance and may vary from insurance company to company......

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