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summeh
30-06-2009, 14:20
Has anyone here got their williams on a classic car insurance policy?

Just wanted to get some feedback, i.e. how they compare to normal fully comp insurance policies:

price
cover
limited milage?
allow no claims?

etc etc

also some names of companies would be good.

GabrielKnight
30-06-2009, 14:24
Has anyone here got their williams on a classic car insurance policy?

Just wanted to get some feedback, i.e. how they compare to normal fully comp insurance policies:

price
cover
limited milage?
allow no claims?

etc etc

also some names of companies would be good.


Adrian Flux, 600 quid TPFF with 3 years no claims, no points, over 25

summeh
30-06-2009, 14:31
Perhaps I wasn't clear in my original post. I want advice/feedback on classic car insurance. Not interested in what your normal policy costs.

GabrielKnight
30-06-2009, 14:38
Well they specialise in classic cars. Didn't realise there's a special bracket you have to ask for to make it official "classic car insurance", sorry.

wrighty
30-06-2009, 14:44
The only information I can offer is when I used a classic car policy via firebond.co.uk

They based the NCB on number of years driving and did not need proof of normal no claims. They were very accomodating to mods and would provide an agreed value for the car. IIRC they did ask that I join some form of motoring group for a small fee but overall the cost was at the time very very cheap in comparison to usual insurer quotes.

Cant comment on claim experience as was lucky enough to avaid that component. With the current market showing weak car prices I would like to have an agreed value as my current insurer will only offer what they believe is market value.

summeh
30-06-2009, 15:13
Well they specialise in classic cars. Didn't realise there's a special bracket you have to ask for to make it official "classic car insurance", sorry.

Aye that price just sounds like "normal" insurance to me... If it were classic car insurance then it would be more like sub £200 I think...

GabrielKnight
30-06-2009, 15:23
What do you have to do to get it insured as a classic? Prove you go to shows etc? I only do about 2000 miles a year anyway.

summeh
30-06-2009, 15:44
Not sure.

Just got off the phone to carol nash, the guy was quite rude tbh, and stated that they could do classic car insurance on "porsches, etc, not cheap little racing cars". Incidently they quoted me £500 :shock: admiral only charge me £250 atm! Waste of time imho.

Best quote so far is footman james through NIG quoting under £200.

busterhymes
30-06-2009, 15:50
got mine with hagerty insurance really cant fault them service excellent paid £145 agreed value (pics required) fully comp think on 3k a year think even breakdown cover in with that dont usually do NCB which suited me as you need to have the insured car as a second car otherwise u cant do insurance with them
at that price cheaper than my daily drive, my 106 1.5d

any other questions just ask :) :)

summeh
30-06-2009, 16:22
that sounds ideal... would use my 10yrs ncb on my 182 then...

busterhymes
30-06-2009, 16:35
glad to help :)

Wobba
30-06-2009, 17:29
A classic policy will likely have limitations, exclusions to cover from that of a normal policy with limited mileage maybe as well. You'd usually need a second car :)

My policy just came up for renewal. Suspension, chip, brake lines/pads filter, exhaust/decat and gear shift etc all declared. £480. BUT £611 with 12 monthly payments.

busterhymes
30-06-2009, 17:40
A classic policy will likely have limitations, exclusions to cover from that of a normal policy with limited mileage maybe as well. You'd usually need a second car :)

My policy just came up for renewal. Suspension, chip, brake lines/pads filter, exhaust/decat and gear shift etc all declared. £480. BUT £611 with 12 monthly payments.

did mention ltd mileage and second car but i dont run williams as my everyday car so suits me, well worth it just in terms of agreed value as in most cases if car is declared a right off modded or not u get a poor return for what in many cases are very high premiums, win win situation for the good old insurance company

HYBRID_HAZ
30-06-2009, 17:51
I would also recommend Hagerty, been with them for nearly 2 years now and I can't fault them.

summeh
30-06-2009, 18:21
Wobba:

Yes that's right the car does need to be a second car. In my case it is a second car and rarely used anymore, so would suit me fine.

2 live
30-06-2009, 18:25
hmmm....beeen thinking abbout this meself. altho i did have 2 'normal' fully comp policies on the willy's thru norwich union. they matched my 9 years ncb from the 1st policy to the 2nd. all up, both cars insured fully comp, ltd mileage on both, for less than £600






but then i am old lol.

summeh
30-06-2009, 18:28
£600? bloody hell. It pains me when anyone quotes me more than £300! thats with 9yrs ncb as well :shock:

2 live
30-06-2009, 18:36
like i said mate.thats both the track car and daily driver.......with all mods declared


£600 for both fully comp........didnt think that was too bad meself. with 8k limited mileage

summeh
30-06-2009, 18:44
like i said mate.thats both the track car and daily driver.......with all mods declared


£600 for both fully comp........didnt think that was too bad meself. with 8k limited mileage

oh sorry thought you meant each... yeah thats a good price actually...

BaJ
30-06-2009, 21:31
I'll be the third to recommend Hagerty, I've never dealt with such a nice bunch, makes such a change to the normal insurance robots.

As said you have to have an everyday car insured elsewhere, and the policy doesn't generate any NCB of its own. I don't believe they like mods either. But you do get an agreed value and breakdown cover included.

Thumbs up!

GabrielKnight
30-06-2009, 23:12
I'm paying over £600 for just the Willy, and that's for third party, so you can feel sorry for me if you like! :violin:

sooty666
02-07-2009, 05:06
Hagerty £150 ish fully comp :D just do it. call 08700420220

col
02-07-2009, 17:46
I used Footman james on a 1953 willys overland jeep they reqd foto, and an assesment of its value from the american car club.

It was valued at £5000, an anuall mileage of 3000...........£110.

No alarm either,but they have a special way of startin em.......which the knuckle draggin hoody would never grasp.

busterhymes
02-07-2009, 18:39
hagerty just need photo to commence agreed value cover :)

ianbirch
03-07-2009, 07:09
I have just reinsured mine for an agreed value with Brit Insurance through
Classicline brokers for £275 fully comp with a mileage limit of 1500.... which suits me fine.

Cheers Ian

Wobba
03-07-2009, 12:52
Wobba:

Yes that's right the car does need to be a second car. In my case it is a second car and rarely used anymore, so would suit me fine.

Is it rarely used due to the fact it has no ECU? :lol:

Allan
03-07-2009, 12:56
hmm may have to investigate, the dimma is 450 a year :(
All mods with adrian flux and 2 years NCB
Williams was 280 though with 6 years NCB

would be nice to get an agreed value on the dimma

Wobba
03-07-2009, 13:19
Lowest quote I had just the other day was £460 with all mods declared:

ECU
Coilovers
Brake lines
Pads
Air filter
Exhaust/decat
Shortshift

2Yrs NCB.

busterhymes
03-07-2009, 14:59
Lowest quote I had just the other day was £460 with all mods declared:

ECU
Coilovers
Brake lines
Pads
Air filter
Exhaust/decat
Shortshift

2Yrs NCB.

mods such as pads/brake lines/air filter/short shift are not really performance enhancements which i guess is what insurers want to know about surely seems a grey area can anyone define modifications when related to car insurance as i would never think to declare any of the items i have mentioned :?

MAXIBOY
03-07-2009, 15:21
anything thats not oem...performance enhancing or not.

maxi..upto 450bhp..everything declared with hic..25,000 agreed valve costs 17.50.

classic limited to 6000k no no claims used 550 quid a year..

plus with hics site you can and mods one at a time to see how it effects your premium ..best idea ever.. :D

busterhymes
03-07-2009, 15:34
so if you fit non std pads say a set of lockheed or a champion air filter or fram oil filter u need to declare it for insurance purposes that would render most peoples insurance invalid surely as whose car is absolutely std :shock:

MAXIBOY
03-07-2009, 16:30
no..i think other make oem spec stuff is ok.. but performance pads would be a grey area..

busterhymes
03-07-2009, 16:49
hmmm very grey ain't it specialiy as performance pads and braided brake hoses for example would make improvements to the braking system so to increase an insurance premium for an increase in safety by improving braking seems unfair

MAXIBOY
03-07-2009, 18:22
again a grey area..might not increase you premium but should be disclosed

Wobba
04-07-2009, 00:50
Yep. Should be disclosed as they are 'material facts' relating to the decision on how much of a risk you are to insurers.

rob jones
07-07-2009, 10:12
I believe you will find that most policies only apply to cars over a certain age - is that 15 years old? in which case not all willys will yet qualify?

Rob