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What year qualifies for Classic Insurance?

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beelailydude View Drop Down
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    Posted: 15 Sep 2015 at 7:22pm
I currently own a 1999 V reg E36 323i Vert and a 2001 E39 540i. The E36 is what my accrued NCB is on and i have had to start a fresh for my 540i.

I'm toying with selling my E36 as I don't do massive miles and going to transfer my NCB onto the 540i next year. Was talking to a couple this year at a show who own a 1998 E36 Vert that get their car in a Classic limited mileage policy which would be great if i could insure either both together for a sensible price or get the Vert on a Classic policy.

So, what age/year qualifies for a Classic Policy??

Kind regards Lee
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rpennington View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote rpennington Quote  Post ReplyReply Direct Link To This Post Posted: 15 Sep 2015 at 8:06pm
Hi lee

I am a bit confused on what is classed as a classic, as I have a 1999 s reg e46 323i of which is my daily driver. I spoke to a guy from footman James at a car show last year & was told they could insure my car on a classic car policy but I can't recall what the yearly limited mileage was if any.

Regards
Rich
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2011 E90 325d msport - sold
2014 F30 335d xdrive msport plus pack
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beelailydude View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote beelailydude Quote  Post ReplyReply Direct Link To This Post Posted: 15 Sep 2015 at 8:43pm
Cheers for reply Rich. The Classic policies ive had in the past are normally either 1500 or 3000 miles. One Classic policy i had my Discovery on was unlimitted miles so probably goes on value of insured vehicle and a few other details that each insurance chooses?? My verts use doesn't currently warrant the premium i pay but a 3000k mile low cost Classic 2nd car insurance means its feasible to keep.
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NickDE View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote NickDE Quote  Post ReplyReply Direct Link To This Post Posted: 16 Sep 2015 at 7:07pm
I got turned down for classic insurance on my 2000 E46, even if I run it as a fifth car/weekend only/3000 miles. On the basis that it is still too new. But that was just one company.

I don't think there is a strict definition of age, each insurer can decide for themselves. Phone a few and see what you can find. Expect usage limitations on miles, storage, type of driving etc though.
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Ian Arthur View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Ian Arthur Quote  Post ReplyReply Direct Link To This Post Posted: 17 Sep 2015 at 9:12am
If the vehicle is garaged and doing less than 3000 miles a year I am sure you wont have a problem getting the vehicle on a classic policy.

You would however struggle if the vehicle was your only car.
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grapefruit View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote grapefruit Quote  Post ReplyReply Direct Link To This Post Posted: 17 Sep 2015 at 3:23pm
As far as I'm aware, it's entirely dependent on the insurance company and the car.

My 2001 E39 is insured as a classic. 7k mileage limit, parked on the road and is my only car.

You don't accrue NCB on a classic policy, however, and, after 2 years of not having a full policy, you lose any NCB you may have built up. My plan is to insure it as a classic for 2 years, and then get a normal policy for a year, allowing me to keep my bonus (assuming nothing untoward happens, of course).

My '72 Mini had no mileage restrictions.
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davebrindlee36m3 View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote davebrindlee36m3 Quote  Post ReplyReply Direct Link To This Post Posted: 17 Sep 2015 at 6:15pm
Try classic line.
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