GIVING UP A MODERN CAR

[samuria]

i'am think of giving up my modern car... and just use my
tax exempt landy and minor(when i get it sorted)
mates have told me i would lose my n.c.d on my
insurance? which is full,
i know that classic insurance dont have ncd....

your thoughts please

[Dean]

My wife had a company car that was insured by the company she work for after building up a full no claims bonus. She had this company car for four years, before they took it back and discontinued having company cars.

Re-insuring her newly purchased car did mean she lost her no claims and had to start again. Fortunately as she hadn't claimed inbetween, they gave her a quote based on her "claims history".

I'm thinking if the rules are still the same, provided you don't make a claim, your insurance (even with zero no claims) wouldn't hit the roof if you went back to a modern.

[lambrettalad]

Insure your moggie under a non classic policy,is one way to keep your ncd,there may be others

[samuria]

Insure your moggie under a non classic policy,is one way to keep your ncd,there may be others

never thought of that...
will see what the quotes come back like

[samuria]

did a couple of online quotes.....
i was shocked at the prices... nearly as much
as my bmw m3
they must be trying it on

[Ratbag]

Why would you want to go back though?
I'm running a 1964 Traveller as my only vehicle now.
(I did also move house to eliminate my commute though!).

Phil.

[rayofleamington]

Back in my mid 20's I lost 6 years NCD when I changed ove to run just my Minor via a classic policy.

Apparently, NCD will last 2 years - therefore consider the option of leaving only 1 yr 11 months gap in between.
You probably don't need a full year's 'normal' insurance either... just make sure you get a new NCD statement when the policy expires / is terminated.

[JOWETTJAVELIN]

Ask your insurer if they will store your NCB - you can't use it on a classic policy but they keep it 'ticking over'. This is what mine have done.

[Gareth]

Phyllis was my first car and when I bought a modern for daily use, I explained the situation to my new insurers who happily gave me the 4/5 years NC after my insurers (AON, now FJ) wrote a note to them explaining my claims history.

[pskipper]

We've been running classics as our only car for a few years now, not really too worried about the ncd as if we ever need something a bit more modern a lot of classic car insurers count 15 years old as classic on some models

[Cam]

Depends if you ever want to go back to modern motoring.

I have been using a Minor everyday since 2005 and I have lost my no claims, but I thought about it and I don't want a modern car.

If I ever NEED one as a tow car, etc then I use the wife's Mondeo (I'm a named driver on her policy), so for me I have lost my NCD and it's really not a problem.

[les]

We're all different but it would be hard to deny the comfort and effortless motoring a 'modern' car can provide, especially on long haul. So maybe it's down to how you use a car.

[bmcecosse]

Recently been reading a trade auto magazine (free monthly at trade counters) - full of horror stories about what can go wrong with a 'modern' - and how expensive it can be to put it right - with multiple 'special tools' and measurement devices needed......and always renew the X, Y and Z while doing this job.... And then there's the Dual Mass Flywheel........ which they somehow claim makes a huge improvement to the fuel economy........ It's all certainly food for thought! Minors are so easy to repair - and parts are extremely low cost compared to anything for a modern. The mag is also full of tips on how to maximise income......which I find slightly worrying. Oh and don't dare refer to a fan belt anymore -since no modern cars have belt driven fans - it's now the FEAD - Front End Auxiliary Drive........ and full of silly adverts about 'FEAD'ing and so on...........

[IaininTenbury]

We've been running classics as our only car for a few years now, not really too worried about the ncd as if we ever need something a bit more modern a lot of classic car insurers count 15 years old as classic on some models

Indeed they do. I was quite surprised to be able to insure my Renault 5 and Land Rover Defender on my classic car policy

[dp]

Hmm I'm about to find out how this will work - I'm just in the process of changing our 270000 mile 20 year old Merc diesel for a 'modern' with dual mass flywheel so have already got a conversion kit to turn the dual mass to normal solid flywheel, eliminated a useless eco device that causes no end of problems (with no measurable eco benefit) and some software and a special lead so I can get into the ECU and see what's going on.

Even where I don't do the work myself, if the garage knows I've already poked about with the OBDII lead they will be less likely to pretend the fault is a £1000 one.

I'm hoping it's just a case of learning the foibles and getting a sense of how it all goes together. Hopefully like dwell angle. Intimidating at first but simple once you get a 360 degree protractor and a spare bulb and bit of wire.