What cars qualify for a classics policy? Watch

TheV
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#1
Just wondering what the classification is - would say an old 1990s MX-5 or a Nissan 300ZX qualify?
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Samalama
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(Original post by TheV)
Just wondering what the classification is - would say an old 1990s MX-5 or a Nissan 350ZX qualify?
No they wouldn't. I believe it's pre 70s models - so anything up to 1969.
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Tofufi
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(Original post by Samalama)
No they wouldn't. I believe it's pre 70s models - so anything up to 1969.
Rubbish.

I think most insurers count start doing classic policies on vehicles above either 15 or 20 years old. I know several people who insure 1980s vehicles on classic car policies.

I'd imagine you could get an early mx5 on a classic car policy, best to phone up an insurer or two and ask them - try Footman James, HIC etc - the usual suspects

Even if you can't get a 'classic' policy, they might have a specialist car policy suitable for you.
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Samalama
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(Original post by Tofufi)
Rubbish.

I think most insurers count start doing classic policies on vehicles above either 15 or 20 years old. I know several people who insure 1980s vehicles on classic car policies.

I'd imagine you could get an early mx5 on a classic car policy, best to phone up an insurer or two and ask them - try Footman James, HIC etc - the usual suspects

Even if you can't get a 'classic' policy, they might have a specialist car policy suitable for you.
I assumed he was asking whether it qualified for free tax as a classic vehicle. I said "I believe" anyway, I expected people to correct me.
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mr_cool
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(Original post by Samalama)
I assumed he was asking whether it qualified for free tax as a classic vehicle. I said "I believe" anyway, I expected people to correct me.
In which case the tax exemption is any car built prior to 1st Jan 1973
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Samalama
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(Original post by mr_cool)
In which case the tax exemption is any car built prior to 1st Jan 1973
Well then there you go. lol.
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TheV
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THanks for the replies. Yes I was talking about classic car insurance not the tax-exemption age.

Dilemma I'm in is that I'm getting quotes of around £1,500 to insure a small, 9 year old 1.2 litre engined car. Given that I've done pass plus and will be away for at least half the year at uni, I was looking into the possibility of buying a classic car and getting insured on that as it will be limited mileage anyway.

At the same time, if I do go for a classic it would need to be fairly reliable and not something that struggles to get past 60!
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Samalama
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(Original post by TheV)
THanks for the replies. Yes I was talking about classic car insurance not the tax-exemption age.

Dilemma I'm in is that I'm getting quotes of around £1,500 to insure a small, 9 year old 1.2 litre engined car. Given that I've done pass plus and will be away for at least half the year at uni, I was looking into the possibility of buying a classic car and getting insured on that as it will be limited mileage anyway.

At the same time, if I do go for a classic it would need to be fairly reliable and not something that struggles to get past 60!
Sorry for the misunderstanding with the tax! :o:

I'd recommend: MGB GT (I'm sure they'll get pass 60... not 100% though as I've never driven one!).

Carole Nash (as I've just looked up for you) say they can insure cars on a classic policy as young as 10 years!

Hope I've helped this time haha.

EDIT: I think they'll even do a ton! (the MG)
Last edited by Samalama; 9 years ago
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Rich_183
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Think they got to be at least 20 years old to get classic car insurance, my dad's vw golf gti mk2 is 1988 and he only pays 100 quid fully comp as its classic car insurance!
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initiation
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My insurance company, Footman James, do classic policies on cars over 15 years old, this seems to be the case between most of the classic policies I have tried.
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grodecki
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(Original post by initiation)
My insurance company, Footman James, do classic policies on cars over 15 years old, this seems to be the case between most of the classic policies I have tried.
Yep, you have to call them if you are under 25 though, the online system won't let you quote.

Be warned that you may end up spending the equivlent of higher insurance on keeping the car running. My Mini costs a fair bit to keep on the road through small little bits and then there's keeping rust at bay
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TheGimpMan
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most are 15+, but keep in mind you are unlikely to get NCB.
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amims
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also you will have limited mileage
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TheGimpMan
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(Original post by amims)
also you will have limited mileage
not necessarily, although it can help lower the premium.
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Benjybh
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If it helps at all, Footman James quoted my £855 for either an MGB GT or Roadster, aged 17. I'll be buying soon...
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JC.
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(Original post by Samalama)
Sorry for the misunderstanding with the tax! :o:

I'd recommend: MGB GT (I'm sure they'll get pass 60... not 100% though as I've never driven one!).

Carole Nash (as I've just looked up for you) say they can insure cars on a classic policy as young as 10 years!

Hope I've helped this time haha.

EDIT: I think they'll even do a ton! (the MG)
I've had 105mph on the clock of my '79 BGT. The speedo underreads by about 5mph @ 40mph so it was probably doing about 112mph.

I've had my other MGB GT, a V8 model, above 120mph...
Well... truth be told I've no idea how fast it was going. The speedo only goes up to 120 and the needle was back round to 0mph - it was well off the clock!!!
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Porscha!
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You'll get a Mk. 1 MX5 on classic - try Lancaster.

Other ideas (depending on what you have to spend) -
MGB / GT
MG Midget
Porsche 924 / 924S / 944
Triumph GT6 / TR6
BMW E21 323i
BMW E30 318iS or 325i Sport are the picks
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jaw
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it totally depends on the policy, there is no hard and fast rule. Some companies will insure early 90's cars on classic policies.
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Porscha!
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Very true you'll get TVRs on classic and quite a few others
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TheV
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The update's that I've gone down the boring route of just insuring my car and got the quote down a fair bit after some... shall we say, debating so it's down to a price I'm happy with.

I'm not (yet) clued up on mechanics and need something that'll be fairly reliable so this seemed the best option rather than buying something older. And MGs... yeah I'm not really into them so much :P Japan all the way!

Cheers for the input everyone
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