Two of the country's biggest motor insurers, Aviva and Allianz, are refusing to provide cover to new customers driving cars 15 years or older, even if they hold a valid NCT, proving that their vehicles are safe to drive.
The insurers claimed these cars tended to be involved in more collisions, were used in fraud cases, had bald tyres and were poorly maintained.
The exclusion only applies to new customers, existing clients whose cars have passed the threshold will continue to get insurance cover.
But the restrictions come amid a steady increase in motor insurance premiums, which rose 12% last year and experts have warned motorists to expect further hikes in 2015 of between 8% and 15%, due to the high cost of settling claims.
Listen back to The Last Word's discussion, here:
