Benzine
|
| posted on 22/10/10 at 11:36 AM |
|
|
Classic insurance daily driver
I like older cars (older volvos) and I'm looking at using a 960 as a daily driver. I'm old enough to get classic insurance but they always
want me to have another policy on a non-classic. I don't have this so quotes are insane high. (£650+, compared to £150ish if I have another
non-classic)
I have a 1.0 micra on the drive, can I insure that 3rd party and just not use it on the road in order to get classic on the volvo? It would overall
save £100s, but the micra MOT expires next month, does a car need an MOT to be insured? If it's got no MOT can I literally just leave it and
never use it on the road?
The mental gymnastics a landlord will employ to justify immoral actions is clinically fascinating. Just because something is legal doesn't make
it moral.
|
|
|
|
|
mcerd1
|
| posted on 22/10/10 at 11:47 AM |
|
|
who have you tried so far ?
-
|
|
|
mookaloid
|
| posted on 22/10/10 at 11:52 AM |
|
|
don't see why not - if the numbers make it worth while  I assume that they won't make checks on the mileages of both vehicles and there
are no clauses about this on the policy.
As to whether the 960 is a classic is a matter for another debate 
"That thing you're thinking - it wont be that."
|
|
|
Benzine
|
| posted on 22/10/10 at 12:00 PM |
|
|
quote:
Originally posted by mcerd1
who have you tried so far ?
Aviva, swinton, Allen and Allen, sureterm, a couple of others. Any others worth trying?
quote:
Originally posted by mookaloid
don't see why not - if the numbers make it worth while I assume that they won't make checks on the mileages of both vehicles and there
are no clauses about this on the policy.
As to whether the 960 is a classic is a matter for another debate
They had a debate recently, 100% of people agreed it was an awesome classic  I've had a 940 of the same year insured as a classic before,
at the time I had another non-classic
[Edited on 22/10/10 by Benzine]
The mental gymnastics a landlord will employ to justify immoral actions is clinically fascinating. Just because something is legal doesn't make
it moral.
|
|
|
MikeR
|
| posted on 22/10/10 at 12:09 PM |
|
|
if you're insured on another vehicle, they expect you to use it. If they can prove you've not used it then it invalidates the insurance.
Reality is i'd expect them to sting you for the extra premium.
|
|
|
mcerd1
|
| posted on 22/10/10 at 12:18 PM |
|
|
quote:
Originally posted by Benzine
quote:
Originally posted by mcerd1
who have you tried so far ?
Aviva, swinton, Allen and Allen, sureterm, a couple of others. Any others worth trying?
what about the like of the RAC - a couple of years back they offered me a classic policy inc buissnes and commuting cover on a scimitar
the price wasn't too bad at the time and the cover was better than most (didn't take the policy though, the car was off the road - in fact
it still is....)
[edit] but I see they still require a second car 
[Edited on 22/10/2010 by mcerd1]
-
|
|
|
02GF74
|
| posted on 22/10/10 at 12:26 PM |
|
|
quote:
Originally posted by MikeR
if you're insured on another vehicle, they expect you to use it. If they can prove you've not used it then it invalidates the insurance.
really? I find that hard to believe....... now I am all curious and may even get as far as reading the small print on my policies....
|
|
|
Triton
|
| posted on 22/10/10 at 01:31 PM |
|
|
I had classic insurance on my XR4i without owning another vehicle, although I'm a named driver on another policy. Lancaster Insurance accepted
that and I paid a massive £120 fully comp....
|
|
|
PSpirine
|
| posted on 22/10/10 at 02:10 PM |
|
|
No problem insuring the Micra - even if it has no MOT - if they told you that they want you to have an active policy on a non-classic car that you
own.
I would find it near impossible to believe that there is something in their policy that suggests you have to use your non-classic for any given
period/mileage!
I'd be tempted to MOT the micra and have it as a back up (since you'd have insurance for it anyway) - you never know when the volvo might
need a bit of work.
|
|
|
MikeR
|
| posted on 22/10/10 at 02:59 PM |
|
|
the point is, you're insured on another vehicle, therefore you'll be driving that vehicle. Whilst driving that vehicle you can't be
driving this vehicle ....... therefore you're lowering the risk of a crash in this vehicle. Its why adding someone else low risk onto your
policy reduces it - they're driving it instead of you so for a while its less risk.
Its why all the mum's and dad's being the first insurer on the childs car is technically invalidating the insurance. They work out a risk
of mummy driving it 90% of the time when in reality its kiddy driving it 99% of the time.
Having said all this - its only if they find out you've been cheating them. The person you buy the insurance from won't care as they get
their commission, its just if you have the accident and someone investigates the claim and finds out your other car doesn't ever get used.
I could be wrong, the rules may have changed. I got all this from a girl who worked for me a few years ago. Before joining my company she used to
write motor insurance software.
|
|
|
Brook_lands
|
| posted on 22/10/10 at 07:03 PM |
|
|
As above Lancaster did classic insurance on wife's MG Maestro as she was a named driver on my car policy.
|
|
|
bmseven
|
| posted on 22/10/10 at 08:33 PM |
|
|
I use Norton's
http://www.heritage-quote.co.uk/classic-car.cfm
£97 Fully Comp on the Scirocco
|
|
|
