Hi All,
I have looked at other posts but cannot find the answer to this.
I have had classic car insurance through FBD for the last few years and all has been fine. I have received my renewal documents and they now have a new requirement - another car insured in my own name.
We are a one car family (not counting the classic) and the main car, while owned by me (ie in my name), is insured in my wife's name at the moment. As a result, when the renewal documents arrived, I got concerned. I have since spoken to another insurance company and it they are the same - I need to have another car insured in my name in order to get classic insurance.
Dont get me wrong, I understand why they are doing this as I am sure there are (a few) people using a classic car as their daily driver and just paying classic insurance, so they need to clamp down on it.
However, in my case this does not apply. I have no need to a 'daily driver' as I get public transport to work and if I need to go anywhere else I use our main car - not the classic.
Further evidence that I am not trying to abuse the system is that I recently decided to put the classic car in storage until it reaches the 30 year mark and reduced tax rates (2 years to go!!). So I couldn't have it as a daily driver even if I want to. What I have done if I need a car and my wife has the family car is that I use a Go Car.
Despite all of this, the insurance companies are saying I cannot get classic insurance for my car, so it seems the only options are 1. do not insure it and take a chance nothing happens when in storage 2. buy another car so I have something else in my name (ludicrous idea) 3. insure it normally under my name but then get hammered on the premium for a 28 year old car with a 3.0 L engine that I wont be using (also ludicrous).
Has anyone else had this experience and found a solution? Any help appreciated, thanks!
I have looked at other posts but cannot find the answer to this.
I have had classic car insurance through FBD for the last few years and all has been fine. I have received my renewal documents and they now have a new requirement - another car insured in my own name.
We are a one car family (not counting the classic) and the main car, while owned by me (ie in my name), is insured in my wife's name at the moment. As a result, when the renewal documents arrived, I got concerned. I have since spoken to another insurance company and it they are the same - I need to have another car insured in my name in order to get classic insurance.
Dont get me wrong, I understand why they are doing this as I am sure there are (a few) people using a classic car as their daily driver and just paying classic insurance, so they need to clamp down on it.
However, in my case this does not apply. I have no need to a 'daily driver' as I get public transport to work and if I need to go anywhere else I use our main car - not the classic.
Further evidence that I am not trying to abuse the system is that I recently decided to put the classic car in storage until it reaches the 30 year mark and reduced tax rates (2 years to go!!). So I couldn't have it as a daily driver even if I want to. What I have done if I need a car and my wife has the family car is that I use a Go Car.
Despite all of this, the insurance companies are saying I cannot get classic insurance for my car, so it seems the only options are 1. do not insure it and take a chance nothing happens when in storage 2. buy another car so I have something else in my name (ludicrous idea) 3. insure it normally under my name but then get hammered on the premium for a 28 year old car with a 3.0 L engine that I wont be using (also ludicrous).
Has anyone else had this experience and found a solution? Any help appreciated, thanks!