Insurance companies 15 yr rule

[wiggaplz]

Do they have that rule where if a car is older then 15 yrs, you have to have a safety inspection to get it insured?

[5000Audi]

yes sir.. well actually depends on your insurance company.. i have a 86 audi and the insurance i have i didnt have to get an inspection... so i dunno but im pretty sure you do,

[Tarrantula]

i think if the car wasnt previously insured...then you have to get it inspected... no idea.

[A790]

Varies from company to company. Some insurers require older vehicles to pass a safety inspection while others could care less. It's a pretty simple inspection though, not really a big deal.

[510-Trevor]

Min of 12yrs before they can ask for a safety inspection. Here is the official form showing how basic it is: http://www.bentleyinsuranceltd.com/pdf/auto_inspectionreport.pdf

[shin0bi]

Depends where the car is coming from too.
Out of province/country = automatic inspection in most cases.

[Masked Bandit]

Generally speaking, 15 years is the norm. In a few situations it's 12 years or if the vehicle is from out of province then it will always need the inspection. If you are already stuck with Nordic though, no inspection will be needed.

[dj_honda]

Are you guys sure its 12 years? My car is a 1997 and they asked for one. I think some company's make it 10 even...like mine :thumbsdow

[bituerbo]

It's at the discretion of the insurance company and also I believe it has something to do with whether you're getting comprehensive insurance or not. I'm with State Farm and have registered vehicles as old as 1988 and still have never had to do an insurance inspection, but I only get liability coverage on my beaters.

[Tarrantula]

Originally posted by A790
Varies from company to company. Some insurers require older vehicles to pass a safety inspection while others could care less. It's a pretty simple inspection though, not really a big deal.


On a personal note, if I was running an insurance company... why the fuck would I make people "Qualify" to give me all there money? If the brakes are fucked.. better chance that I would be collecting even more cash from them soon.

[EvolutionI]

Originally posted by bituerbo
It's at the discretion of the insurance company and also I believe it has something to do with whether you're getting comprehensive insurance or not. I'm with State Farm and have registered vehicles as old as 1988 and still have never had to do an insurance inspection, but I only get liability coverage on my beaters.

I asked state farm, I insured a vehicle I know had no chance of passing a safety inspection, whatever it was only for 2 weeks, and they said they felt it was the registry's problem regarding safety inspections.

+1 for state farm

[A790]

Originally posted by Tarrantula



On a personal note, if I was running an insurance company... why the fuck would I make people "Qualify" to give me all there money? If the brakes are fucked.. better chance that I would be collecting even more cash from them soon.
LOL because if you went off and smoked a pedestrian, resulting in a half million dollar settlement, well... you just lost a ton of money because you insured someone without breaks.

[Tarrantula]

Originally posted by EvolutionI


+1 for state farm

Thats why I love em!

[Masked Bandit]

Originally posted by dj_honda
Are you guys sure its 12 years? My car is a 1997 and they asked for one. I think some company's make it 10 even...like mine :thumbsdow

You managed to come across someone that doesn't know WTF they're doing. The AB Government passed a bunch of insurance rules in October of 2004 and one of them was concerning inspections. They can't hassle you for one until the vehicle is 12 years old.

Now, one could make the arguement that because the 2009 models are out, your 1997 is 12 years old.

[Errol.]

It was 12 years for me.

[403ep3]

+1 for State farm. My guy doesn't care lol

[Tik-Tok]

Signing my own safety inspections off FTW

[Kloubek]

Originally posted by Masked Bandit
Generally speaking, 15 years is the norm. In a few situations it's 12 years or if the vehicle is from out of province then it will always need the inspection. If you are already stuck with Nordic though, no inspection will be needed.

I've known people to have no problems with real old cars.

As said a few times, everything is up to the insurance company. It's all privatized here, so they all go by their own rules.

My current insurance is good up to 12 years.

My question is - why are you asking OP? If you are considering buying an older car, it really is a good idea to get it saftey checked anyway. Well worth the $50. That was you find out things - like how someone decided to use a nail as a caliper pin, etc.