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Discussion Starter #1
hi guys i had taken my car off the road for the winter and she be back on road at end of march now i want cheaper car insurance(like we all do lol) but as i will be doin at max milage a year 3000 i dont want be payin silly money when im 31 years old and have like 6 years no claims.. cheers guys open to ideas cheers :)
 

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At least two problems with this idea.

I think you will struggle to get Classic Insurance on a 916 Car. It depends on the company of course so it may pay you to trawl around the Classic Insurance companies to see what they say, some may well accept a 916 as a Classic

The major stumbling block I found may be the conditions that the Car on a Classic Policy MUST NOT be your primary/main Car, in other words you must have another Car that is your main transport. I looked at this last October for my 916 GTV and that was the thing that defeated me, after spending hours on the 'Net and 'phone I gave up and had to take a Standard Policy. Of course if you do have another Car that you use as your main transport you might well succeed, with a bit of perseverance.

Also note that Classic Insurance does not build up NCB. Obviously your NCB is taken into consideration when you get a quote but that's it.

I do have Classic Insurance on my V6 Alfetta, £140 p.a. with Chris Knott. As it turns out it's with Highway Insurance, the same company that insures the 916 Car.

If you do find a way to do it I think a lot of us would be very interested !

Good luck, I fear you will need it along with a big dollop of patience !
 
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As Symon said I think you will struggle to find Classic Car Insurance for your car.
I recently read an article in, I think, Practical Classics which listed the various ages at wich each marques vehicles became classics. From memory Alfa was 15 years. ( Insurer may have been Footman James ). Jags were listed at 5 years etc etc.

Some of those type of companies might do a limited mileage agreed value policy though
 

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try 'rh specialist insurance' they done me proud as a classic on me v6. I have got a runabout additional car (Yaris) which they also beat my previous insurer on so I have both with them now and saved a packet.......worth a quote at least me thinks. good luck with it :thumbs:
 

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I HAVE CLASSIC INSURANCE ON MY 916!!!!

I'm shouting because I have posted it so many times and regular posters either have short memories or don't believe me :p

I am with Carole Nash, 1st year classic insurance so no no claims bonus, £180 fully comp, 1.5K miles a year. I hope to increase that to 3k miles this year on renewal.
 

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I HAVE CLASSIC INSURANCE ON MY 916!!!!

I'm shouting because I have posted it so many times and regular posters either have short memories or don't believe me :p

I am with Carole Nash, 1st year classic insurance so no no claims bonus, £180 fully comp, 1.5K miles a year. I hope to increase that to 3k miles this year on renewal.


Mitch, is this counted as your " second car " though ?

Couldn't get a Classic Policy on my 916 as it is my " main car. " Looked at Nash, and many others, and IIRC it had to be my second car. Exclusions were things like regularly shopping, work, school runs etc etc, basically anything for day to day use that you'd use your every day driver puddle jumper for.
 

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but Iceman is taking it off the road for winter and only wants 3k miles so I guess it's not his daily driver either?
 

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but Iceman is taking it off the road for winter and only wants 3k miles so I guess it's not his daily driver either?
If that's so he should be OK then.

What I'd really like to know is if you can get a Classic Policy on your daily driver, ie, your main car, that would be great but I've not found a way to do this.
 

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I think classic insurance is designed to be for a weekend car, not a daily driver.
 

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Insurance

Hi i pay £300 a year fully comp for my spider 2001 3.0 v6 on 2000 miles a year. I was with them last year and it was £20 cheaper as we all know it goes up but i thought it was not much so didnt bother to look about. HERITAGE INSURANCE. GIVE THEM A CALL :)
I must say its my third car policy and both my other insurances with my other cars i have full protected no claims. And look out as on some classic insurances you do not collect no claims bonuses
 

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Discussion Starter #12
Hi i pay £300 a year fully comp for my spider 2001 3.0 v6 on 2000 miles a year. I was with them last year and it was £20 cheaper as we all know it goes up but i thought it was not much so didnt bother to look about. HERITAGE INSURANCE. GIVE THEM A CALL :)
I must say its my third car policy and both my other insurances with my other cars i have full protected no claims. And look out as on some classic insurances you do not collect no claims bonuses
yes i have a very boring 1.6 cl mark 3 golf for work etc and my gtv v6 is my weekend car and i take it off the road in the winter i have a very nice friend with a massive garage so he looks after it for me and makes sure the batt is all charged up etc :) but yes i dont fancy paying like 800 quid plus as i did last couple of years and my golf is still like 500 quid with 6 years no claims lol but a huge thankyou to u guys cause ill be puttin her back on road in march so its all gd :)
 

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I've got classic on mine - £120 with Peter Best for 3,000 miles and also with agreed value.

Don't remember them asking if it's a second car. Note that you don't get no claims bonus on classic policies, so if you want to keep a NCB you have to have a 'normal' policy every couple of years if the classic is your only car.

I know some people in the MG260 owners club (my other car) who have classic on those and they are daily drivers. Limit seems to be on mileage, where about 5,000 seems to be the max. Most seem to be with Peter Best, but I think he knows the cars. They seemed happy to insure the Spider when they knew I had a 260.
 

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Discussion Starter #15
I've got classic on mine - £120 with Peter Best for 3,000 miles and also with agreed value.

Don't remember them asking if it's a second car. Note that you don't get no claims bonus on classic policies, so if you want to keep a NCB you have to have a 'normal' policy every couple of years if the classic is your only car.

I know some people in the MG260 owners club (my other car) who have classic on those and they are daily drivers. Limit seems to be on mileage, where about 5,000 seems to be the max. Most seem to be with Peter Best, but I think he knows the cars. They seemed happy to insure the Spider when they knew I had a 260.
mate that is well cheap ill have some of that cheers :)
 

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Peter Best gave me a good quote for mine too.
Normally a classic policy won't cover to and from work. I'm sure there are exceptions as a chap at work does just that with an old MG on occasion.
 

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It will cover to and from work, again it's just not expected to be your daily driver so not the work run car. If you drive it to work because you are going to a meet later that night (for example) and have an accident, they are not going to refuse cover.

TBH, I'm rarely on the side of the insurance company but the tone here is to abuse the concept of classic insurance just to get cheap insurance. Classic insurance is designed for use on your "weekend" cherished enthusiast car. Pampered, low usage therefore low premium.
 

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Discussion Starter #18
It will cover to and from work, again it's just not expected to be your daily driver so not the work run car. If you drive it to work because you are going to a meet later that night (for example) and have an accident, they are not going to refuse cover.

TBH, I'm rarely on the side of the insurance company but the tone here is to abuse the concept of classic insurance just to get cheap insurance. Classic insurance is designed for use on your "weekend" cherished enthusiast car. Pampered, low usage therefore low premium.
hey bud i got a crappy mark 3 golf that i payed 400 quid for to get to work and out and about my alfa is in my mates garage with a pile of bits to go on here lol :)
 

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hey bud i got a crappy mark 3 golf that i payed 400 quid for to get to work and out and about my alfa is in my mates garage with a pile of bits to go on here lol :)
:lol: Not you Iceman, I realised you were after Classic Insurance for the right reasons :thumbs:
 
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