The Ins And Outs of Classic Car Insurance Classic cars are actually defined differently over time with regards to the age to make in the car. Most insurance companies however classify them as vehicles older than 25 years which are still in the well maintained condition. These vehicles fall within the collectibles category along with their insurance is determined by several factors like the age in the car, make, design as well as other factors that the insurance carriers may ask e.g. the protection of the car, drivers age and degree of experience e.t.c. Although prices are most peoples consideration when selecting auto insurance, certainly one of stuff you ought not overlook is who is going to mend your car if it is damaged? Do you own a non-standard car? Surprisingly numerous vehicles fall into categories that most of mainstream insurance providers dont want to cover! If your car is a collectible, avoid standard motor insurance policies if at all possible. For motor cars, the best option is with one of many two other sorts of insurance available: Stated Value and Agreed Value. Under a Stated Value agreement, the insurer permits you to state value cheapest classic car insurance ireland classic car insurance proposal form of the auto, and usually, here is the amount you will end up reimbursed in the event of an incident. However, depreciation may be factored in, and you will probably have to browse the details in it of the policy in order that the policy is, in fact, for that stated value. Its also likely that you will have to pay a deductible under a Stated Value claim. The engine wouldnt start because impact had broken a plastic bracket around the engine which held the throttle linkage. The driver and passenger were safely seen on their way and also the RAC called. After a short wait an orange van arrived as well as the RAC man jury rigged up a temporary throttle bracket so I could drive the auto back to base. While working within the bonnet we realized that the radiator fan (engine mounted rather than electric) had jammed within the side from the radiator bracket. Also as with other vintage things or objects from previous generations, placing a genuine value on the car is hard as it (the value) often appreciates. Another reason to make sure that the classic car is protected having an insurance policies is caused by the modifications that are built to it, depending around the owner.