Classic car insurance

[Blackbird]

Does anyone have any direct experience of insuring a classic car? We're in the process of buying a "classic" and will be checking insurance offers with our existing car and bike insurers. I know there are so-called specialist insurers for classic vehicles but have no idea at this stage whether they offer any advantage over regular insurers or even what to look out for when insuring a classic vehicle. Any comments from those with direct experience much appreciated!

Cheers,

Geoff

[jim.cox]

We own a mid 80's Fiat X1/9

All our vehicle policies are with AMI

When I went to insure it I was offered 'Classic Insurance' without even asking for it

We also have a mid 80's Range Rover, again insured with AMI - its only 3rd Party Fire and Theft and costs more than twice that

[Blackbird]

Thanks for that Jim, I'll have a good look round before commiting. Always liked the X1/9's.

[Grumph]

Funnily enough, when we tried to add our recently acquired X1/9 to our AMI policies it quickly became too difficult...

Vero turned out cheaper and very easy.

[Blackbird]

Funnily enough, when we tried to add our recently acquired X1/9 to our AMI policies it quickly became too difficult...

Vero turned out cheaper and very easy.

Yep, I've had that problem with bikes and State in years gone by. I've just had a quote from Classic Car Insurance which is a Star offshoot. I was surprised how reasonable it was for comprehensive cover tailored to low mileage, hobby users . $234 or $270 with vehicle recovery. 1972 MGB GT in concours condition.

[Danger Dave]

I have my classic car insured through Swan with their Classic car cover along with my bikes so get a multi policy discount

[Berries]

I'm trying to work out whether I can afford any insurance on the car of my boyhood dreams.

https://www.trademe.co.nz/a/motors/cars/ford/cortina/listing/3134745172?bof=oJ2hyEOv

[FLUB]

I have a 1934 Austin 10 and 1991 Jaguar XJ40 both insured with Vero on their Classic policy. Jag $10k agreed value and Austin $7k agreed value. Both limited to 7,000km per year. Jag costs $190 and Austin $78.

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[rustys]

Made two online enquiries for ours with Classic Car Insurer's, with but no one ever got back to me, how useless is that.:brick::brick:

[Blackbird]

Made two online enquiries for ours with Classic Car Insurer's, with but no one ever got back to me, how useless is that.:brick::brick:

I got my quote by filling in the online questionnaire. It will be interesting to see what happens at the next stage.

[Blackbird]

I'm trying to work out whether I can afford any insurance on the car of my boyhood dreams.

https://www.trademe.co.nz/a/motors/cars/ford/cortina/listing/3134745172?bof=oJ2hyEOv

I had a fleeting look at the Lotus Cortina too. There's another one for sale at about $130k! Decided that if I wanted to splash out that much, it would be a GT40 or Cobra replica. Common sense prevailed though and went for something more modest :yes:

[Krusti]

Rang Star for a quote the other day on my Valiant, $310 for $40,000 cover, not too bad I thought. Insuring my 4 bikes a scarier scenario though. :shit:

[Blackbird]

Rang Star for a quote the other day on my Valiant, $310 for $40,000 cover, not too bad I thought. Insuring my 4 bikes a scarier scenario though. :shit:

That's not bad at all Krusti. What sort of Valiant - ordinary saloon, Pacer or Charger? I see that any sort of Charger is fetching some pretty serious money now.

[HenryDorsetCase]

Yep, I've had that problem with bikes and State in years gone by. I've just had a quote from Classic Car Insurance which is a Star offshoot. I was surprised how reasonable it was for comprehensive cover tailored to low mileage, hobby users . $234 or $270 with vehicle recovery. 1972 MGB GT in concours condition.

and you know you'll be needing the vehicle recovery.....

[Blackbird]

and you know you'll be needing the vehicle recovery.....

Hahaha! Already got it with the AA :laugh: . It's so simple under the bonnet that there's a fair chance of fixing it by the roadside if anything turns to custard.

[HenryDorsetCase]

I had a fleeting look at the Lotus Cortina too. There's another one for sale at about $130k! Decided that if I wanted to splash out that much, it would be a GT40 or Cobra replica. Common sense prevailed though and went for something more modest :yes:

When I first started work (so maybe 1985?) I was offered a Lotus Cortina for $10k. I think I earned that in a year? I know when I started work I got $5300 p.a. Anyway, the price seems to have held up OK....

[Grumph]

When I first started work (so maybe 1985?) I was offered a Lotus Cortina for $10k. I think I earned that in a year? I know when I started work I got $5300 p.a. Anyway, the price seems to have held up OK....

Lotus Cortina owners are a strange bunch in my experience. Very one-eyed.
None can be made to see that the Datsun 1600SSS was a better made, cheaper and faster car......

[Blackbird]

Lotus Cortina owners are a strange bunch in my experience. Very one-eyed.
None can be made to see that the Datsun 1600SSS was a better made, cheaper and faster car......

Hahaha! EVERYONE with a classic car or bike is pretty one-eyed - that's the stereotypical enthusiast :laugh: You're right about the Datsun. Way back in the days of the Heatway Rally, Tony Teesdale had a lot of success in his Datsun, embarassing an awful lot of bigger cars.

[sidecar bob]

I have over 300k worth of classic cars & bikes insured with Star insurance.
They are half the price of what I was paying through Crombie Lockwood.
The only thing you need to be careful with when using them is that they will write your car off for extremely minor damage, pay you out & put it on trademe & end up getting back more than they paid you out for it.
Its a business model that works very well for them, so if you use them make sure you have it insured for plenty if you ever want to see it again.
Here's a link.
https://starinsure.co.nz/