Introduction
Older vehicles sometimes struggle to qualify for certain insurance policies. Some insurers limit coverage for cars above a certain age or rare models, making old motorcycles or cars hard to insure. This article discusses the causes, impacts, and guidance on obtaining suitable insurance for older vehicles.
Reasons It’s Hard to Get Insurance
- Vehicle age: Insurers may have age limits, e.g., cars over 10–15 years old.
- High repair costs: Older or rare vehicles can be difficult to source parts for → higher risk for insurers.
- Claim history: Older vehicles with a history of claims are harder to insure.
- Type of coverage: Comprehensive policies may not be offered, but Third-Party Liability (TPL) is usually available.
How to Get Insurance for Older Vehicles
- Check insurers who still cover older vehicles through BJAK.
- Choose suitable coverage — TPL or comprehensive, depending on risk and budget.
- Consider add-ons like Key Care or VIP Rescue for added value.
- Provide complete information about your older vehicle, including maintenance history.
Tips to Avoid Insurance Issues
- Renew early before the policy expires.
- Use BJAK to compare insurer options and prices.
- Understand the actual risks of your older vehicle to select the right policy.
- Keep service and damage records to facilitate approval.
Conclusion
Although old motorcycles or cars can be hard to insure, owners can still obtain suitable coverage by selecting the right insurer and using platforms like BJAK to compare prices and policies. Early preparation and complete vehicle information help ensure a smoother insurance process.
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