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Do i Qualify for Classic insurance?

Discussion in 'Insurance' started by Mickey76, Dec 29, 2012.

  1. Mickey76

    Mickey76 Senior Member

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    Joined:
    Aug 16, 2012
    Location:
    North Yorkshire
    Your Mercedes:
    2003 E320 Cdi S210 145k
    Hi,
    Just wondering if I could get my insurance down abit.
    Was thinking on classic, is the car too new? Anyone recommended?
    I'm just 25, partner 35, 1998 e300 td. It's second car, so 5000mls/yr would be ok. Paying £800 a yr now.
    My 2.5d 190 only cost £311 a yr, it's a big jump!
    Thanks in advance
     
  2. cliveyboy8

    cliveyboy8 Senior Member

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    Joined:
    Mar 16, 2007
    Location:
    Ashford, Kent
    Your Mercedes:
    2008 C320 CDi. 1985 230E. 2005 Westfield 1800 SEiW.
    Insurance companies have different rules on age of car for classic policies.

    Suggest you google "classic car insurance" which should bring up comparison sites specifically for classic car insurance. Fill in details and see what comes up.

    I got mine through Lancaster (via a comparison site) for £66 a year!
     
  3. bigasotonuk

    bigasotonuk Senior Member

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    Joined:
    Nov 14, 2006
    Location:
    Southampton UK
    Your Mercedes:
    C43/55 AMG 1999 / C230K 1997
    I was looking for classic insurance for my AMG and was,nt quite old enough to fulfill classic status with the half a dozen or so insurance companies I tried and mine car is the same age as yours 1998.
     
  4. huey

    huey Senior Member

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    Joined:
    Feb 13, 2011
    Location:
    Nottinghamshire
    Your Mercedes:
    W203 cdi 2004 Estate
    I think the car has to be 20+ years old, I got mine on classic ins last year but was not able to do it the year before.
     
  5. OP
    Mickey76

    Mickey76 Senior Member

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    Joined:
    Aug 16, 2012
    Location:
    North Yorkshire
    Your Mercedes:
    2003 E320 Cdi S210 145k
    Thanks all, the bloke I bought it off said he had classic ins at £120 with it, just found the piece of paper this morning saying 'footman James' so will try them. He could have been telling porkies though
     
  6. television

    television Always remembered RIP

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    Joined:
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    Location:
    Daventry
    Your Mercedes:
    2002 SL500, 216 CL500, all fully loaded
    The other snag is as you wait for the car to become older, you become older in the waiting process, then they get you for being too old but the car is fine :(
     
  7. E320mark

    E320mark Senior Member

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    Joined:
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    Location:
    Ballyclare
    Your Mercedes:
    E320 cdi sport 2007
    I had an e30 325 I sport in 2004, the car was 15 years old then and qualified for classic insurance, if memory serves me correct at £175!
    I can remember having a conversation with the insurance agent that not all cars qualify at 15 years, some need to be 20 to qualify! I can't remember the makes she told me now though!
     
  8. huey

    huey Senior Member

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    Location:
    Nottinghamshire
    Your Mercedes:
    W203 cdi 2004 Estate
    Very strange how these insurance companies work things out:confused::D
     
  9. deejaybee

    deejaybee Senior Member

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    Joined:
    Oct 21, 2006
    Location:
    Surbiton, Surrey
    Your Mercedes:
    Now - W210 E320cdi
    Most insurers who do "modern classic" insurance will only cover you if the car is at least 15 years old. Some say they cover from 10 years old, but this is only for selected vehicles and not just anything.

    I couldn't get modern classic cover on the SL320 I purchased in May last year because it was only 14 years old at the time, but I was able to get a limited use policy which was the cheapest solution as I didn't have a second NCB to use. When it comes up for renewal later this year I should be able to get the modern classic cover which I am hoping should be a lot cheaper.

    I'm not sure how you will do getting modern classic insurance on an E300TD as the W210 is generally not regarded as such and at least some of the Insurers will exclude it on this basis. If you can reduce your usage down to <3000 miles/year this will also help with some of the providers.
     
  10. OP
    Mickey76

    Mickey76 Senior Member

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    Your Mercedes:
    2003 E320 Cdi S210 145k
    Yep, not regarded as a classic by insurers, actually very disappointed at their evaluations of the car £500/600! 2gether do a policy for cars that become 15yr old during policy, fully comp 41 a month or £400, cheapest I've found just gunna check fine print first!
     
  11. sfc501

    sfc501 Guest

    Got my 1992 SAAB on Classic Insurance £110 Fully Comp for the year providing I only cover 5000 miles per year with performancedirect.
     
  12. ChrisKnottIns

    ChrisKnottIns Forum Supporter Authorised Forum Supporter

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    Location:
    Hastings, East Sussex
    Your Mercedes:
    na
    Once the car's 15 years old we can do this for about £280 but at 14 years old the car just sits outside our modern classic criteria. Maybe next year?
     
  13. Sky Insurance

    Sky Insurance Senior Member

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    Joined:
    Aug 29, 2012
    Location:
    U.K.
    Your Mercedes:
    MR2 Mk1.5
    Feel free to get in touch, it's unlikely we'd look at a classic policy but we insure many customers with second vehicles.

    Call back request form below:

    http://www.skyinsurance.co.uk/call_back_new.phtml

    Or our number is 03303 331250

    Thank you
     
  14. taxii

    taxii Senior Member

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    Location:
    Bristol
    Your Mercedes:
    c200, 1996, 2000
    I got mine with Adrian Flux for £277 with 5000 mile limit and its an N reg w202 which isn't bad. Nothing mentioned about classic though. Iv'e been with Flux for a few years and always found them to be good lads and that's with both the Merc and the import FTO.
     
  15. OP
    Mickey76

    Mickey76 Senior Member

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    Joined:
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    Your Mercedes:
    2003 E320 Cdi S210 145k
    Tried flux as had policy with them before. Not a classic but on a normal policy was £1170! Gone through a few today and 2gether come up cheapest
     

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