1st Class Auto Insurance

[Rdrokit]

My car is now 6 years old. I know there is a limit on how old a car can be before the insurance companies no longer will issue you 1st class insurance. My recollection is it is 7 years. Am I correct? If I am correct it is time to start looking for a new car.

[transam]

I had 1st class insurance on my 11 year old Vigo. If you have a good driving record you should have no problem. Even Roojai would insure mine..

[steve187]

we had a honda city from new, insured 1st class right up to the time we sold it at 12 years old, 

[Don Mega]

It is my understanding if you have 1st class they will keep renewing it but if the vehicle does not you cannot upgrade to it.

[pineapple01]

Some will issue First Class over their specified  full time, but restrict replacment of things like Air Con Pumps ,Power Steering motors, things the ware out over time. BKK Insurance that is.

[transam]

18 minutes ago, pineapple01 said:

Some will issue First Class over their specified  full time, but restrict replacment of things like Air Con Pumps ,Power Steering motors, things the ware out over time. BKK Insurance that is.

Insurance covers engine ancillaries......?   ????.....Never heard of that...

[Don Mega]

41 minutes ago, pineapple01 said:

Some will issue First Class over their specified  full time, but restrict replacment of things like Air Con Pumps ,Power Steering motors, things the ware out over time. BKK Insurance that is.

It says in the PDS wear items are covered ?

Edited April 15, 2020 by Don Mega

[pineapple01]

Too technical for me, just they wont cover bits that ware out anyway from normal use, just body bits i suppose. We only use BKK Insurance so thats all i know. 

39 minutes ago, transam said:

Insurance covers engine ancillaries......?   ????.....Never heard of that...

No ones surprised.!

[Don Mega]

1 minute ago, pineapple01 said:

Too technical for me, just they wont cover bits that ware out anyway from normal use, just body bits i suppose. We only use BKK Insurance so thats all i know. 

No ones surprised.!

Ive had 1st class (new cars) with several companies and none of them cover wear items.... which company does...is it only Bkk Insurance ?

Edited April 15, 2020 by Don Mega

[baansgr]

AXA...good cover for low premium and includes breakdown cover....English speaking staff and all done professionally in a few minutes

[transam]

10 minutes ago, pineapple01 said:

Too technical for me, just they wont cover bits that ware out anyway from normal use, just body bits i suppose. We only use BKK Insurance so thats all i know. 

No ones surprised.!

Post here the companies that have done  so for you, so I can have a read...Thanks

[Don Mega]

1 minute ago, transam said:

Post here the companies that have done  so for you, so I can have a read...Thanks

Am wondering if the companies that cover things like air con pumps and power steering pumps also cover tyres and brake pads !!

[pineapple01]

47 minutes ago, Don Mega said:

Ive had 1st class (new cars) with several companies and none of them cover wear items.... which company does...is it only Bkk Insurance ?

Did i say anyone did.Perhaps not my native language cause this.

[pineapple01]

37 minutes ago, Don Mega said:

Am wondering if the companies that cover things like air con pumps and power steering pumps also cover tyres and brake pads !!

No

[Don Mega]

Just now, pineapple01 said:

No

Right, so only things like water and power steering pumps... what about gearboxes ?

[pineapple01]

No to All, Just Body Bits and bent pipes thats dont ware. Ford never replaced wonkey funny Gearbox in New Cars.

[Don Mega]

1 minute ago, pineapple01 said:

No to All, Just Body Bits and bent pipes thats dont ware. Ford never replaced wonkey funny Gearbox in New Cars.

but your earlier post suggests some do cover those items.

[pineapple01]

Just now, Don Mega said:

but your earlier post suggests some do cover those items.

My bad , not intended to confuse.

[Kwasaki]

58 minutes ago, Don Mega said:

Right, so only things like water and power steering pumps... what about gearboxes ?

New car / truck forever .????

[cooked]

So.... back to the original question maybe? We were told that after our car gets older than 8 years (next renewal) we will only be able to get first class again if we do a respray - expensive, not necessary and depriving us of use for 10 days I believe. Don't ask me about the logic behind this. The guys that told us this also run a spray and repair shop, so maybe that's a clue.

We had second class insurance last year and of course that's when we had an accident.

[Don Mega]

1 minute ago, cooked said:

So.... back to the original question maybe? We were told that after our car gets older than 8 years (next renewal) we will only be able to get first class again if we do a respray - expensive, not necessary and depriving us of use for 10 days I believe. Don't ask me about the logic behind this. The guys that told us this also run a spray and repair shop, so maybe that's a clue.

We had second class insurance last year and of course that's when we had an accident.

What did your insurance company say ?

[cooked]

15 minutes ago, Don Mega said:

What did your insurance company say ?

The insurance company is situated in the same building as the paint shop. 

[Don Mega]

30 minutes ago, cooked said:

The insurance company is situated in the same building as the paint shop. 

Ahhh ok,

 

I'd ditch them if thats the case.

 

Have a look at Roojai, For <deleted>s and giggle I did their online qoute for a 10yr old Vigo and will cover it.

 

 

 

Edited April 16, 2020 by Don Mega