Dependant on who it is, some companies say a classic car is based on thecar itself being over 15 years old. Both of my RS's are on classic insurance, even tho one is a S2. It is a 1986 D plate & even tho production continued up until 1991, HIC base it on the CAR and not production years. Therefore it is 19 years old & qualifies for their classic insurance scheme.

Similarly my S1 is a 1986 D plate & Adrian Flux cover that under classic insurance. Both have limited mileage btw..but this just keeps premium costs down.

With either of these companies, a 1990 g plate is a classic as far as they are concerend. You can even swop policies with the classics: HIC told me I could sell the S2 and insure any Cosworth up to a 1990 just like you can swop 'normal' insurance if you buy a new car.