classic insurance age?

[the milkman]

So guys just wondering if you have to be a certain age to be able to get classic insurance or can you do it regardless?

[Piggy]

the 'classic' refers to the age of the car, not the driver!

but the older you are, the better from an insurers point of view....my grandads driving would argue that, but hey ho!

[C.A.R.]

the 'classic' refers to the age of the car, not the driver!

I think that much is obvious?

Most insurers no longer offer classic insurance to under-25s. There used to be a nice loophole where a 17yo could get a classic car and insure it on the cheap.

Fact is, classic insurance is cheap because it's meant to be for ocassional use (as you'd expect of a classic car). So you may also find that you're very limited on your annual mileage anyway.

[ozonehostile]

25 most of the time for a classic car policy

[THE_Liam]

Like I said on fb mate, pretty much always 25, and if not 25 it's 21

[Poodle]

On a slight tangent, what experiences have people had regarding what age of car qualifies for classic insurance? Anyone on here running classic insurance?

[THE_Liam]

On a slight tangent, what experiences have people had regarding what age of car qualifies for classic insurance? Anyone on here running classic insurance?

I'm on the lookout for a 205 GTI at the moment, and I've been told any 205 GTI will qualify, and the newest are 20 year old now. I think it's usually roughly 20 years...

Incidentally, £191 for a 1.9 GTI

[Piggy]

thats a bargain...just need the 3grand for a mint gti now!

[THE_Liam]

thats a bargain...just need the 3grand for a mint gti now!

Saving up

[C.A.R.]

Surely they are limited mileage though?

[procta]

the 'classic' refers to the age of the car, not the driver!

but the older you are, the better from an insurers point of view....my grandads driving would argue that, but hey ho!

also it depends on the car too,
I had to pull kris knott insurance about their classic car policy shite, as they had a one for cars over 15 years old, ( my rover was 17 years old at the time)
they wouldn't even entertain it as it wasn't something like a alfa or a mini! I told them, so well if your only gonna recognise certain cars, then your advertisement is highly miss leading then! they sharp pulled the advertisement!
also a lad that was on the metro owners club, had a Austin metro 998cc on an F plate. he was 17 at the time, he couldn't get insured on it. as some insurers wanted daft money or would touch it due to the age of the car,
I didn't bother insuring my metro as a classic as with it been modified. as I don't think you can get modified classic car policies.

[Sambarker]

I'm planning on insuring mine as a classic/modified with limited mileage as soon as i turn 25 in 2 months. Prob won't be doing any more than 2k miles a year as its a second car

[1616six]

As a rule of thumb, 21 is the age where you'll find some companies quote, more often than not it is 25 though.

It also has to be a classic 'risk' too.

For example, John Smith with his 1993 Mondeo 1.8 estate worth £300 using his vehicle for his job as a painter & decorator doing 15k a year as his only vehicle, is not a classic risk, even though his car is 20 years old

But David Smith on his 1993 Volkswagen Golf 1.8 worth £1500 who also owns another car, who does under 5k a year for social domestic & pleasure use only, IS a classic risk.

You will find a real classic policy is design for a second vehicle with low mileage per year, social domestic and pleasure use, with NCB being used on the every day car.


Hope this helps!