Does anyone have Classic insurance on their '2 ?

[ToyotaTosh]

Just wondering if anyone has their cars on a classic insurance?
Whats your premium etc?

cheers

[SFLee]

about 250 to 300

but i think one condition was you drive another car

and no NCB count or built up

all to do with agree value and limited miles

[DAN_REV1_TURBO]

Cheap mate but dont do it if it`s the only car you are driving. I just had a nightmare trying to find a company that would insure me after coming off a classic policy.

Basically if you stay on it for 2 years or more, any prior NCB built up becomes invalid. Luckily I explained to my new insurer that I had been fully comp for the last six years, and proved it that I had no accidents in that time, and they did it for me. I had to ring A LOT of insurers to find someone who would let me keep my 6 years NCB.

If you have another vehicle that you are building no claims on then go for it, but if not I would not bother.

[loudandproud205]

Yup my 2 is on classic policy

But then I have 2 other polices so I didnt have to worry where my no claims were sent

[Kateg28]

I have my Mk1 on classic insurance but it is my second car and my daily drive has my full no claims on it. It is a condition of the classic insurance that I own and insure another car as my daily drive.

The MR2 is £230 I think but that includes Full European Break down as well.

[riot68]

What companies are folks using?...

[tubbyone]

I use heritage and pay around £350 quid for a rev 2 turbo, lowered suspension, modified exhaust etc. It includes guaranteed value, I have not used any no claims but its restricted to 3000 miles per year as it is a second car and I have my no claims on my main car. It does include european cover also.

[Kateg28]

Adrian Flux. Have heard some bad reviews but have nothing to complain about myself. I think every Company has had some bad feedback anyway.

Not had to claim though and it is claims that normally show any gaps in customer service methinks.

[Shmed]

Performance Direct, costs about £280 iirc, 2000 mile limit, it's a 2nd car so no worries there, and uses/accrues no NCB.

[riot68]

cool thanks for that, will be looking for a deal in April, my friend just got his Escort RS cosworth insured for £198 fully comp on limited to 5000 miles and no comuting, also no use of NC either, thought that was very cheap as he's only 28, hoping to get my n/a for under £200...

[Rob66]

yes mine is on as a second car with limited mileage with RH Insurance in Brentwood approx £190 pa.

Rob

[brgbrm]

Rob, is that a rev3 na you're insuring for sub-£200? I pay £300 with Houghton,. I'm in Brighton.

[Rob66]

Hi Marc,

Sure is a 1995, limited mileage 5000 pa, parked on drive (although in garage at mo) and fitted with Cat 2 immobiliser at Essex postcode.

Rob

[RST]

Exactly how do you go for classic insurance on the MR2.? I've looked at this each year but as son as you declare a mod (such as wheels -for starters) then it's all off. In my experience mileage isn't a problem but if you declare absolutely anything other than pure factory spec then you're out.