Who do you insure with to keep your no claims?
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#1177328
(In Topic #140693)
Old Timer
Who do you insure with to keep your no claims?
I used to use the co-operative but they won't insure cars over 30 years old.
Any recommendations?
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Local Hero
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Old Timer
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Local Hero
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Old Timer
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Old Timer
So when I come to renew next year I'll have to use an insurer who applies NCD to the policy - the following year I can then take out a classic car policy and so on.
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Old Timer
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Old Timer
jellybelly said
classic car policys dont uses your no claims they just like to know what you have
so if you dont use them they dissapear
You can keep unused NC (as in, not on an active policy) for two years.
I know that my classic car insurance isn't using them but in order for me to keep them they said that I'll have to insure with a standard policy next year in order to keep my NC.
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Local Hero
I am insured on my main car so using my NCD on that.
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Old Timer
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Old Timer
She asked me if I'm insured on another car and I'm a named driver on my OH's - I can't apply my NCD to his policy as it's not my car etc.
My Mk1 is my main car so they're just in limbo until I renew my insurance with a standard policy.
I just wondered if anyone knew non classic car companies who insure cars over 30 years old.
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Old Timer
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Old Timer
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Local Hero
m00 said
I'm not sure.
She asked me if I'm insured on another car and I'm a named driver on my OH's - I can't apply my NCD to his policy as it's not my car etc.
My Mk1 is my main car so they're just in limbo until I renew my insurance with a standard policy.
I just wondered if anyone knew non classic car companies who insure cars over 30 years old.
What NCD does your other half have? Why not, if yours is at the max, use your name to insure the other car too, thus getting a better price.
Failing that, you could take it in turns to be the policyholder on it, thus both preserving your NCD. You'll need to declare who the main and additional driver are, etc but they should be able to accommodate it. Plenty of cars are insured with the husband as the owner and policyholder but the main driver is the wife, so the reverse should be possible???
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Local Hero
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Old Timer
paul_c said
m00 said
I'm not sure.
She asked me if I'm insured on another car and I'm a named driver on my OH's - I can't apply my NCD to his policy as it's not my car etc.
My Mk1 is my main car so they're just in limbo until I renew my insurance with a standard policy.
I just wondered if anyone knew non classic car companies who insure cars over 30 years old.
What NCD does your other half have? Why not, if yours is at the max, use your name to insure the other car too, thus getting a better price.
Failing that, you could take it in turns to be the policyholder on it, thus both preserving your NCD. You'll need to declare who the main and additional driver are, etc but they should be able to accommodate it. Plenty of cars are insured with the husband as the owner and policyholder but the main driver is the wife, so the reverse should be possible???
He has 1 years no claims.
We once had trouble insuring his supercharged R32. Adrian Flux said that I had to own the car to be the policy holder and he could be the main driver. He really needs to build his no claims and I don't believe you can if you're just a named driver.
He won't let me insure his latest car either - he wants to make sure that it says his name on the V5. To be honest I don't want to look like I own a Ford Focus RS anyway :roll:
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Old Timer
richyhill said
if classic car insurance is cheaper on your golf, to keep ya NCB could you not just buy a small car or bike, mini, moped whaever, insure it to keep your NCB at a low low premium and just do that each year, could you just do it by having v5 and not even physically having car?
We don't have the space to own anything else. The Mk1 sleeps in the garage and if I'm correct you have to garage a SORN car whilst having it insured - I could be wrong though.
My co-operative insurance renewal was £160 more, which isn't bad but £124 for unlimited mileage and £50 excess sounded better!
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Local Hero
m00 said
if I'm correct you have to garage a SORN car whilst having it insured - I could be wrong though.
lol yeah don't know where you got that from.
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X2 1983 A REG EW CAMPAIGN In WHITE(Awaiting full rebuild solid body) & T Reg S1 GTi Project, Still Looking for Series 1 GTi's or a 16S Oettinger to restore (Complete Cars only) or an A reg Lhasa Green or White Gti to restore, also consider Black, Red or Blue, Also Golf Driver Project Wanted anything considered WHY
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Old Timer
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Local Hero
If a car is SORNed it can't be kept on the road - it must be kept off the road (ie private ground etc) at the address given in the declaration. It doesn't need to be a garage, it can be outside.
If a car is SORNed it doesn't need insurance. However, if a car isn't SORNed then it needs to be taxed and insured.
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