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classic car policys
#1333552
10/04/2012 18:35
10/04/2012 18:35
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iwantcandy
Unregistered
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iwantcandy
Unregistered
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hi everyone just wanted to ask if anyone has a current classic car policy on the coupe or can recommend one as when we last insured car with an agreed 3000mile limit we paid just £183 premium now 2yrs on they want double on an older car with less value! many thanks mitch and karen
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Re: classic car policys
[Re: ]
#1333678
11/04/2012 03:03
11/04/2012 03:03
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iwantcandy
Unregistered
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iwantcandy
Unregistered
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footman james quoted me unhappy for 3000 miles double what we paid 2 yrs ago! £360 i am 40 my partner is a named driver too . think i may try a std policy just to compare! anyone recommend an alternative?
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Re: classic car policys
[Re: ]
#1333756
11/04/2012 13:32
11/04/2012 13:32
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jase
Unregistered
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jase
Unregistered
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Try Sarah at Neil willies insurance she's on hols till tomorrow though. Jase
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Re: classic car policys
[Re: ]
#1333786
11/04/2012 15:31
11/04/2012 15:31
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Joined: Jul 2007
Posts: 1,833 Brisbane, Australia
Boosted7
My life on the forum
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My life on the forum
Joined: Jul 2007
Posts: 1,833
Brisbane, Australia
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Alternatively try giving Dean a ring at Noel Dazeley. He's been able to sort me out the last couple of years, substantially cheaper than anyone else with all mods covered.
1998 Steel Grey 20V Turbo
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Re: classic car policys
[Re: ]
#1333828
11/04/2012 18:48
11/04/2012 18:48
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iwantcandy
Unregistered
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iwantcandy
Unregistered
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managed to get down to £230 at footman james for 2 named drivers 1500 miles a yr on classic car policy. 25 miles a week!!
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Re: classic car policys
[Re: ]
#1333917
11/04/2012 22:46
11/04/2012 22:46
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Joined: Jul 2008
Posts: 12,643 Watford
MarioCirillo
Ex El Presidente
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Ex El Presidente
I AM a Coop
Joined: Jul 2008
Posts: 12,643
Watford
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I think were using the wrong term here These arnt really classic policies... the coupe isnt a classic and people can get these policies on newer cars Its a second car policy or limite mileage policy with an agreed value
Proud Owner of Rosso Speed LE041
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Re: classic car policys
[Re: ]
#1333962
12/04/2012 01:31
12/04/2012 01:31
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iwantcandy
Unregistered
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iwantcandy
Unregistered
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footman james have put me on there classic car policy they have on agreed mileage of 1500 miles which doesnt use your n.c.b they called it a classic car policy and put me through to the classic car insurance section! wouldnt argue a point on what policy but i am happy with it! 3000 miles would have been £100 more
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Re: classic car policys
[Re: ]
#1335533
17/04/2012 17:54
17/04/2012 17:54
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willttqs
Unregistered
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willttqs
Unregistered
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I got the same sort of quote, so i am pretty happy. will take out the 3,000 miles offer at £326 for the year
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Re: classic car policys
[Re: ]
#1335542
17/04/2012 18:17
17/04/2012 18:17
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Joined: Aug 2009
Posts: 6,192 Bristol, UK
Hovedan
Forum is my life
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Forum is my life
Joined: Aug 2009
Posts: 6,192
Bristol, UK
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I got the same sort of quote, so i am pretty happy. will take out the 3,000 miles offer at £326 for the year That's high for just 3000 miles. How old are you?
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Re: classic car policys
[Re: ]
#1335567
17/04/2012 19:13
17/04/2012 19:13
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willttqs
Unregistered
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willttqs
Unregistered
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34, i thought it was quite good......just as well i have not taken it out yet then!
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Re: classic car policys
[Re: ]
#1335630
17/04/2012 22:00
17/04/2012 22:00
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MickeyBravo20v
Unregistered
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MickeyBravo20v
Unregistered
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i got a good quote from sarah @ neil willies. the best i got was from Brentacre £660 for me (29yrs 6ync) and my gf 28 (1ync) to drive at 5k miles per year. But when i tried sarah,she quoted me £490 with me only coverin 5k miles,paid over 5 months.BUT i need to have the fiat coupe membership a i explained ive just joined.
So that is pretty good considering for a 20vt,it even came back as a classic car insurance. our W reg 12yr old focus is £800 for us both :0
Mike
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Re: classic car policys
[Re: ]
#1335646
17/04/2012 22:40
17/04/2012 22:40
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Joined: Aug 2009
Posts: 6,192 Bristol, UK
Hovedan
Forum is my life
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Forum is my life
Joined: Aug 2009
Posts: 6,192
Bristol, UK
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our W reg 12yr old focus is £800 for us both :0 £800?! WTF? I bet your broker has a good holiday at your expense!
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Re: classic car policys
[Re: ]
#1335671
17/04/2012 23:30
17/04/2012 23:30
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MickeyBravo20v
Unregistered
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MickeyBravo20v
Unregistered
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thats with admiral,its shot up double.shell was added as a provisional driver too for a month till she passed. was only paying 400 then.12 months later she gets a years free driving and it doubles :0
shopping around lol
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Re: classic car policys
[Re: ]
#1335678
17/04/2012 23:42
17/04/2012 23:42
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Joined: Dec 2005
Posts: 21,512 Aldershot
PeteP
Hon Club Member 005, Membership Secretary
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Hon Club Member 005, Membership Secretary
Forum Fossil
Joined: Dec 2005
Posts: 21,512
Aldershot
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.BUT i need to have the fiat coupe membership a i explained ive just joined. That's Fiat Coupe Club membership that you need Mickey not just forum membership. Click on the "join the club" link on the left of your screen.
16VT and X1/9 1500
We must all do our part for the planet. I unplugged a row of electric cars that nobody was using.
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Re: classic car policys
[Re: ]
#1335751
18/04/2012 11:20
18/04/2012 11:20
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MickeyBravo20v
Unregistered
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MickeyBravo20v
Unregistered
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yeah thats what i meant just waiting for my renewel to run out
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Re: classic car policys
[Re: ]
#1350998
13/06/2012 09:18
13/06/2012 09:18
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812112
Unregistered
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812112
Unregistered
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i'm with admiral since december, we got a 2.3l 2003 galaxy and my 20vt on a multi car policy, both insured on both cars, fully comp with breakdown etc, she only passed her test 2 month ago, and we pay £987 a year. would go up if they saw her driving lol.
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Re: classic car policys
[Re: MarioCirillo]
#1427270
14/05/2013 13:42
14/05/2013 13:42
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Joined: Dec 2005
Posts: 1,466 Kent
Submariner
My job on the forum
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My job on the forum
Joined: Dec 2005
Posts: 1,466
Kent
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I think were using the wrong term here These arnt really classic policies... the coupe isnt a classic and people can get these policies on newer cars Its a second car policy or limite mileage policy with an agreed value Yes I agree. Watch out most dont give any NCB so if you have the insurance for two years you may not have the proof of your NCB entitlement. If that is the case these policies are a joke.
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Re: classic car policys
[Re: Submariner]
#1427394
15/05/2013 10:44
15/05/2013 10:44
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NeilWilliesInsurance
Unregistered
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NeilWilliesInsurance
Unregistered
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I think were using the wrong term here These arnt really classic policies... the coupe isnt a classic and people can get these policies on newer cars Its a second car policy or limite mileage policy with an agreed value Yes I agree. Watch out most dont give any NCB so if you have the insurance for two years you may not have the proof of your NCB entitlement. If that is the case these policies are a joke. Submariner please don't slate a Classic Car Policy and call them a joke, especially when the benefits of Classic Car/Future Classic Car Policies are much better than any standard private car policy and if owners are serious about keeping Fiat Coupe's on the road for many years to come then a Classic Car Policy is the way to go with Salvage Retention, Agreed value etc. To put the record straight Classic Car Policies don't usually earn No Claims Bonus, although our policies at Neil Willies allow you to assign any earnt no claims bonus against it, if you want, so that you don't lose it (As NCB is only valid with the majority of insurers for 2 years) and then if you cancel the policy or purchase another car you can remove the ncb at any point, which will be issued with the new cancellation/removal date, although the ncb won't of increased from what it was when it was assigned to the policy originally. A maximum no claims bonus is anything over 4 years, so the majority of people should not need to worry about losing their no claims bonus or it not increasing anyway!
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Re: classic car policys
[Re: ]
#1427449
15/05/2013 20:04
15/05/2013 20:04
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Joined: Dec 2005
Posts: 1,466 Kent
Submariner
My job on the forum
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My job on the forum
Joined: Dec 2005
Posts: 1,466
Kent
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Sorry I dont follow your logic. If you try to save money by having a cheap classic policy only to sell the car or buy a more modern car you will not have accrued NCB for those years thus meaning you may be paying more than you would have if you had selected a more expensive policy that accrued ncb. Or have I missed something? Many companies and brokers fail to mention this fact. Classic car policies great as a second or third car but I cant see the sense if it's your only car and a daily driver.
Maximium ncb is 4 years? My documentation over the years suggests 9 or is this another a anomaly from the insurance sector who remember insure on risk to maximise their huge profits. I think prospective purchasers should be very worried about losing their ncb whether it's 4 years worth or not. Look at some of the loading of policies for lack of ncb.
Whats a future classic car policy? Can that concept exist....sums it all up adequately imo
Last edited by Submariner; 15/05/2013 23:35.
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Re: classic car policys
[Re: Submariner]
#1427453
15/05/2013 20:20
15/05/2013 20:20
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DC20VT
Unregistered
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DC20VT
Unregistered
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Classic car policies great as a second or third car but I cant see the sense if it's your only car and a daily driver. Exactly. Most owners who have a policy like the one Sarah offers will use the Coupe as a weekend toy and have something else for commuting in during the week. You wouldn't normally choose a classic policy for an every day or only car because they don't normally include commuting cover and only have a limited mileage. If you worked from home I guess you could get away with it but generally you would continue earning your NCB on your daily driver.
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Re: classic car policys
[Re: ]
#1427454
15/05/2013 20:24
15/05/2013 20:24
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Joined: Dec 2005
Posts: 1,466 Kent
Submariner
My job on the forum
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My job on the forum
Joined: Dec 2005
Posts: 1,466
Kent
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Indeed but the ncb trap is not made clear more relevant if all you have and drive is your Coupe or your aspiring junior soon to be maybe fingers crossed modern classic. Insurance is fantastic until its claim or renewal time.
Last edited by Submariner; 15/05/2013 20:33.
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Re: classic car policys
[Re: Submariner]
#1427529
16/05/2013 11:37
16/05/2013 11:37
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NeilWilliesInsurance
Unregistered
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NeilWilliesInsurance
Unregistered
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Maximium ncb is 4 years? My documentation over the years suggests 9 or is this another a anomaly from the insurance sector who remember insure on risk to maximise their huge profits. Submariner, you sound very negative about insurance, I guess there is a story there somewhere We are not all bad guys you know, some of us do try to help as best we can! No Claims Bonus is earnt as a percentage in addition to years and usually works with insurers on private car policies as follows;- 1 year = 30% Discount 2 years = 40% Discount 3 years = 50% Discount 4 years = 60% Discount 5 years = 60% Discount, some insurers may allow 65% Discount 6 years = 60% Discount, some insurers may allow 65% Discount 7 years = 60% Discount, some insurers may allow 65% Discount and so on ...... the discount in the majority of cases doesn't usually increase from 60%/65% regardless of the actual years you have earnt it for. Obviously there will be some differences to these figures, but this is the usual with most. Thanks
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Re: classic car policys
[Re: ]
#1427560
16/05/2013 14:28
16/05/2013 14:28
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jase
Unregistered
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jase
Unregistered
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I also have a coupe on a modern classic (limited mileage policy) which is absolutely perfect for me as I don't have any no claims bonus as i'm a company car driver. Also if I did have bonus I like most would use it on my main car and therefore i am very gratefull that such a policy exists so that I could afford to own a coupe. Obviously everyone's situation is different but "horse's for courses"as they say.
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