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For the last ten years I have been driving 80’s cars as daily drivers. I did have a 1995 Toyota Soarer at one stage and didn’t realise until very recently I’ve lost my NCB that I had accrued during ownership.
My Porsche 944 fully comp is less than £400 a year and I did have an Audi 80 on the same policy, no extra charge.
I chopped in the Audi and bought myself a 1999 Subaru Legacy, a lovely car to drive but the premium is serious. It’s around £900 for the year fully comp, I had told them I had 3 years NCB but the bonus is no longer valid. There probably isn’t much I can do about it but I thought I’d put it to the forum in case I’m missing a trick here.
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I think you've got to just suck it up and stump up the cash. I've no idea why you don't build up any no claims bonus with a classic car policy, it's ridiculous. But most companies insist you have a regular car as well as a classic before they'll let you have a classic policy I thought. The problem with motor insurance is that you have to have it, so the insurance companies can charge what they like, they've got us all over a barrel! I've always thought that motor insurance is a bit of a scam, but these days the insurance companies have to cover themselves against UN insured morons, and idiots making fraudulent claims. The way they do that is to put up everyone's premiums. Having said all that you'll probably find a cheaper premium somewhere, you just might have to spend the day on the phone!
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kenb
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Posts: 604
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Aug 31, 2018 11:11:07 GMT
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I have just renewed the insurance one of my classic cars and one of the questions was are you using it for commuting or occasional commuting plus of course the usual access to other cars. Seems its adds a fair bit on if you use it all the time ( I don't personally) and I guess rightly so as you cant have it both ways. But I have often wondered why no NCB is offered on certain types of classic policies as not all are show and shine types.
But having said that I have read recently some stories on FB about the normal run of the mill companies refusing to insure cars approaching 18- 20 years old. Not sure what the background stories are to these, but one company was refusing offer cover at renewal time as the vehicle was "too old" for a normal policy- an MGZTT I believe. Just another hurdle to overcome in old car ownership. I think the reality is anything is insurable, but at a cost.
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paul99
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Aug 31, 2018 11:55:12 GMT
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None at all? Aiui, it can sit unused for up to 2 years, then you will lose a year for each year of non use, contact the Soarers insurance, they might have some record. Do you use an employers vehicle a all? Possible it might give you some evidence of a good record (I'm assuming you weren't that HA Van on my backside on the way home last night ![:o](//storage.proboards.com/forum/images/smiley/shocked.png) )
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Aug 31, 2018 18:52:15 GMT
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None at all? Aiui, it can sit unused for up to 2 years, then you will lose a year for each year of non use, contact the Soarers insurance, they might have some record. Do you use an employers vehicle a all? Possible it might give you some evidence of a good record (I'm assuming you weren't that HA Van on my backside on the way home last night ![:o](//storage.proboards.com/forum/images/smiley/shocked.png) ) Hi, Be careful about volunteering that sort of information because it could be viewed as driving professionally and push the premium up. However if they ask you if you drive professionally then don't lie because they have access to the MIB and your name will be on your employers insurance policy. They won't make a big deal of it now but it gives them a reason to refuse a claim in the future. It's a double edged sword. Colin
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My law firm is owned by the direct line group.. so some of the insurance stuff I see/hear is weird and makes no sense. DL will insurer my 17yo fiesta for a pittance (yay!) But 25yo is considered a classic and they don't touch several cars past that age. My old Mondeo would be approaching that (had it not rusted to death) but a classic policy for it?! Seems they charge what they want, cause as said, we have to have it. I think a good co.pany makes a lot of difference though.
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Last Edit: Sept 2, 2018 8:15:38 GMT by s1105117
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Sept 12, 2018 10:20:04 GMT
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None at all? Aiui, it can sit unused for up to 2 years, then you will lose a year for each year of non use, contact the Soarers insurance, they might have some record. Do you use an employers vehicle a all? Possible it might give you some evidence of a good record (I'm assuming you weren't that HA Van on my backside on the way home last night ![:o](//storage.proboards.com/forum/images/smiley/shocked.png) ) Hi, Be careful about volunteering that sort of information because it could be viewed as driving professionally and push the premium up. However if they ask you if you drive professionally then don't lie because they have access to the MIB and your name will be on your employers insurance policy. They won't make a big deal of it now but it gives them a reason to refuse a claim in the future. It's a double edged sword. Colin Colin, I found that I didn’t actually own the Soarer for one year so that’s that really. I think all told I am going to have to suck it up and just get on with my Subaru and rack up some no claims. I could go cheaper with a less desirable motor but then that wouldn’t be much fun would it? Insurance underwriters are the one to watch out for. A number of them wouldn’t touch my Subaru, especially as it’s not a classic and it’s not new either. The forester, Legnum, Impreza all fell under the same thing by the way. A sign of things to come perhaps.
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Sept 12, 2018 17:25:45 GMT
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when i was with heritage they said you couldnt have NCB on a classic policy as the reason it was so cheap is because its already heavily discounted, BS or not i don't know.
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GJUK
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Sept 12, 2018 17:37:04 GMT
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Brentacre for the win.
68 Dodge dart £150 ish 72 escort £150 ish e55 amg £200 ish
33 years old
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cjhillman
Posted a lot
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1979 Capri (Rolling Project) 1985 Escort mk3 (Daily)
Posts: 1,588
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Sept 16, 2018 21:18:14 GMT
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I feel you pain!! I've had similar problems this year but then again a lot of circumstances in my Insurance life changed. I have to pay around £650 for my 1.1 Escort which is nuts as a 30 year old with 8 years no claims on one policy and 5 years mirrored on my classic policy !!! but... i do have to insure it for business use, as a Musician in London. They wanted an extra £1000 for a 1,6 Nissan Sunny as a new business car on a classic policy, on compare websites i could have an 2003 BMW 320 for less... i don't understand and have suck using my Escort untill i move as it used to be "200"ish "up North".
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Sept 16, 2018 21:31:17 GMT
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I had the same problem 3 years ago, I just had to pay up, much better now with 3 years ncb
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Bicycle x1 Alfa Giulietta (now wife's) Alfa 156 BMW 630i Honda rc36
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Sept 18, 2018 10:37:59 GMT
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I had full NCB on a modern daily, when I sold that and started using a classic as my only transport I asked my "new" insurer to make a note of my NCB. The NCB did not increase but when I needed to insure a modern a few years later, my NCB was still "live" as it had been attached to my classic policy. My insurers referred to it as "keeping the NCB warm" - not sure if that's an industry term or just lingo in their office In my experience NCB is wiped totally after 2 years if it's not used (I've never heard of it being reduced every "lapsed" year as mentioned above, but maybe the rules have changed ![:-X](//storage.proboards.com/forum/images/smiley/lipssealed.png) )
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paul99
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Sept 18, 2018 10:54:40 GMT
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... In my experience NCB is wiped totally after 2 years if it's not used (I've never heard of it being reduced every "lapsed" year as mentioned above, but maybe the rules have changed ![:-X](//storage.proboards.com/forum/images/smiley/lipssealed.png) ) The context was two freinds getting married, and moving in together. Had a car each but were going down to 1. Was told to alternate between main and named drivers each year to keep NCB live should they need a second car in the future. This was about 10 years back mind.....
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Sept 18, 2018 11:15:30 GMT
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^ paul99 - my insurers advised the same when SHMBO & myself were sharing a modern car for a few years, I insure it with her as a named driver, next year she insurers it with me named... We also found it's sometimes cheaper if you add a named driver (I guess insurers know how much grief SHMBO would give me if I prang our "shared" car ![:-X](//storage.proboards.com/forum/images/smiley/lipssealed.png) )
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