What year does a car become a classic(with insurance)?

[auzilink28]

On 13/04/2006 at 20:19, muddycoffee said:

 

Are you sure about that, It used to be 30 years before it was free tax.

It is now 40 years before it becomes tax free. Just check on DVLA site.

[finchalex]

Its actually vehicles except buses and lorries used commercially that were constructed before 1 January 1973 can qualify for free tax and classed as a historic vehicle.

[Shirepro]

DVLA: 

Vehicles exempt from vehicle tax

If your vehicle was built before 1 January 1983, you can stop paying vehicle tax from 1 April 2023.

 

You do not need to get an MOT if:

• the vehicle was built or first registered more than 40 years ago
• no ‘substantial changes’ have been made to the vehicle in the last 30 years, for example replacing the chassis, body, axles or engine to change the way the vehicle works

You also get exemption from all the clean air zones provided your V5 says 'Historic'.  Mine is 1971 and Tax/MOT exempt but wasn't exemopt all of the congestion and Clean Air charges until I changed the tax status ( it was 'Limited Use' as an ex agricultural vehicle.

 

I got decent insurance from one of the usual comparions sites but you have to beware the valuation as they may reduce the value with time like a normal car, when (one hopes) it will increase in value.  I used the Topcashback Y1 to get it chjeaply but now pay about £70 a yaer fully comp.

 

START rescue are one of the few companies prepared tp offer breakdown cover over 15 years, except specialist insurers who may have a deal with a recovery.

[carosio]

The cheap insurance is likely dependant on a low annual mileage, ie, less than 1k. If the vehicle is not tested, I'm not sure how mileage can be proved if the current mileage is not required or stated on the proposal form.

[Alextopman]

I have a 26 year old Audi Quattro that does less than 1,000 miles a year so I may have to look into classic insurance in the future.

[carosio]

 

From Which? magazine.

What counts as a classic car?

In order to incur no vehicle tax, HMRC requires classic cars to have been built or registered before 1 January 1982.

Classic car insurers and brokers, however, have varying definitions of what counts as a classic model. Some may consider cars only 10 years of age as eligible.

We've rounded up the classic car definitions from several providers:

Admiral classic car insurance: 'To get classic car insurance, Admiral requires a car to be over 35 years old and under 70 years old.

'This varies depending on which insurer you go with, so it's worth checking whether or not your car is classed as 'classic'. If your car was made before 1940 it will be classed as vintage.'

LV classic car insurance: 'Your classic car is over 20 years old and has a maximum value of £40,000.'

Carole Nash classic car insurance: 'Any car over 15 years old is now classed as a classic and can receive reductions in policy price that reflect the care they're given, and the way they're driven.'