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    Thread: The Insurance Lounge: Liability coverage when hiring a classic car in Europe?

    1. Member Rocambolesque's Avatar
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      04-19-2017 07:52 PM #1
      Hello all,
      In a few weeks I will go on vacation in the UK. During that time, I will hire a 1972 MGB GT for 2 days. I gave my deposit to the hiring company and everything was okay until one day the company contacts me saying that their insurance deductible/liability has increased to a few thousand pounds. The company told me that since it's a large sum of money, I shoud get insurance coverage for this, but it is not obligatory. I know that you can get insurance for this with "regular" rentals, you can even have it included on certain credit cards. Usually it is pretty cheap, about 5$ a day.

      But now I'm facing a different situation. Insurers can cover the liability for up to 50 000 pounds (which is more than enough in my case), but do not want to insure if the rented car is over 20 years old. I searched around for different companies, and it's all the same. Can someone on this great forum point me towards a place that offers this kind of service? I cannot really afford 3000 pounds in the event of an accident and I don't want to cancel my rental (even if the rental company is very comprehensive and is willing to cancel the booking it need be). Thank you TCL

    2. 04-20-2017 10:53 AM #2
      Do you have an umbrella policy with your homeowners insurance? Many of them will cover weird things like this.

    3. Member Rocambolesque's Avatar
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      04-20-2017 10:15 PM #3
      Quote Originally Posted by Aseras View Post
      Do you have an umbrella policy with your homeowners insurance? Many of them will cover weird things like this.
      I rent. But I will read my policy again, I might find something interesting.

    4. 40 Year Old Madonna Fan patrikman's Avatar
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      04-20-2017 10:16 PM #4
      Is this GT a V8 model? Or the same engine we got here?
      Quote Originally Posted by Code Red! View Post
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    5. Member Rocambolesque's Avatar
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      04-20-2017 11:27 PM #5
      No it's the 1.8 that we also had here. 95 hp.

      I found a Spitfire 1300 somewhere else that has a much smaller insurance excess amount. I might go for this one. Insurance in the UK is different from here, there doesn't seem to be a way to be fully covered...

    6. Senior Member nm+'s Avatar
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      04-21-2017 03:03 AM #6
      Quote Originally Posted by Aseras View Post
      Do you have an umbrella policy with your homeowners insurance? Many of them will cover weird things like this.
      It likely will not cover a car driven in europe.
      Quote Originally Posted by Ducky TSX
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    7. Member Turbo Benzina!'s Avatar
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      04-21-2017 09:28 AM #7
      You should not be having to find an insurance yourself.
      If the rental company can't offer you an optional insurance that has liability coverage, I'd find a different company.

      Personally I've never gone for additional insurances but the deductible is also often quite reasonable.

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