P38A Insurance - classic status?

This site contains affiliate links for which LandyZone may be compensated if you make a purchase.
Zorro587

Zorro587

Active Member
Posts
208
Hi all, just thought I'd share (and maybe someone will prove I'm still paying too much) my recent insurance renewal.
I was with Direct Line and they quoted £800 for my renewal. Having come to consciousness again I went onto Admiral's website, entered all the details and their quote came back at £267.
I rang up, cleared up a couple of things that couldn't / wouldn't let me enter accurately on the website and even with legal cover blah, blah, blah added on for good measure it came out at £385.
The guy on the phone said that because the car is 20-years old they apply a 'classic' car status to the vehicle. He said all insurers can do this, but its up to individual companies to do or not. Well happy bunny. I rang DL back and said they were high and the best they'd offer was a £50 drop. Bye then.....
 
Yes but I think the mileage is very low and maybe you cannot use it for going to work. Or maybe it excludes class whatever business use (driving to meetings etc.)
 
There's a form to fill out when the paper docs come. They want minimum 5 photos and description of vehicle. Not saying whatever benefit is a given, but the guy on the phone didn't mention anything when I said SDP and commuting. Wait and see I suppose.
 
The problem is there's no overall definition of what constitutes a 'classic' vehicle, but if you are seeking such cover don't bother with main-stream insurers, go to those brokers who specialise in that form of cover.
 
Just to clear this in case I've mis-typed to the point of confusion, I haven't got a RR Classic (saw one at the Game Fair for £15k and had a 5-minute conversation with myself about the actual benefits of two kidneys), I've got a P38. They said they called it a 'classic car'....
 
Have a try with Aviva, they came up with an exceptional quote for my MX5. When I bought the P38 I added it on a multi car deal and split my 20K mileage between the two.
 
norseman said:
The problem is there's no overall definition of what constitutes a 'classic' vehicle, but if you are seeking such cover don't bother with main-stream insurers, go to those brokers who specialise in that form of cover.
Click to expand...

Yes there is, 25 years or older or a vehicle with of such interest it will be in the near future, that's why you will see a few new or nearly new cars at the classic car shows, albeit mostly very expensive high performanc cars, any others will have to wait for the 25 years.
I have a car I've owned for the last 40 years and by now know what is correctly stated in calling a vehicle a "classic".

Some classic car insurance companies will insure vehicles a lot younger than 25 but with a low annual mileage, of course you won't get an NCB with that policy.
May be our government believes that a 40 year or older vehicle is a classic as they are not required to be taxed with some earlier ones not required to be MOT :)
 
Last edited:
I don't want to become embroiled in an argument with you Discool but I stand by my statement. Different organisations (ie insurers etc.) all have their own ideas, as do owners. If you are self-employed for example HMRC will accept a business use vehicle 'classic' as young as 15 years (plus other criteria) whereas VED exemption doesn't apply until 40 years. In Germany for example a vehicle is officially a 'classic' at 30 years & this is what many of the UK movement would like to see here, but as it currently stands the only specifically 'dated' criteria is for vintage & veteran vehicles.
 
Your nodoubt correct that anyone that wants your money will make up the own rules on what or is not a classic vehicle there no law against that.
But from most classic car clubs and owners point of view also mine as a classic car owner what constitutes a classic car is... of least 25 years old or of special interest. Always has been so I'll go with that. :D
 
Lets agree that we are both correct then Discool - the only difference is between 'official' & 'point of view'
My RRC is 30yrs. old next June so it will be a classic if the UK adopts the European standard & is already by club criteria :cool:
I'm happy with the deal I get with my specialist broker, just renewed & upped the agreed value :D
 
You must log in or register to reply here.

Similar threads

K
Is my RR Classic in EAS shutdown?
Replies
12
Views
853
kevleaper
K
Paul Wootton
P38 INSURANCE
Replies
0
Views
258
Paul Wootton
Paul Wootton
Montyjohn
P38A Insurance prices getting silly
2 3 4
Replies
71
Views
7K
brianp38dse
brianp38dse
J
Are Freelanders now dropping in value.
Replies
15
Views
1K
kernowsvenski
kernowsvenski
F
Classic Flasher units
Replies
9
Views
2K
mystery
mystery
Back
Top