Folks - there's a few older classic car insurance threads floating about but acceptance criteria seems to change regularly so said I'd start a new one.

As my E39 hits 20yo next year, I'll start to look at adding it to a classic policy. The question is exactly when does it hit the 20 yo mark though that satisfies insurance companies ie. Jan 1st of the 20th year, the date of manufacture or the date of first reg in the UK (where it originally came from) ?

Like to be armed with that info before I ring around in the new year.....