Looking for classic car insurance?

 

Because we’ve got access to leading insurance companies, we can help you get exactly that. Your classic is often the second most valuable thing you own and driving opens you up to the risk of accident and injury. It is therefore really important to make sure you’re financially covered with an appropriate classic car insurance policy if you need to repair your own car, replace it if it is stolen, or if you incur liability to other people following an accident and claim on your classic car insurance.

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Come to us to find the right policy quickly and easily. We offer independent, tailored information and help that's not available when you simply fill in an online form and click "Compare" on a comparison website. We also help you if you need to make a claim - help you will not get if you go directly to an insurer through a comparison website.

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Talk to us whether you are looking for a comprehensive, third-party fire and theft or third-party-only policy. If you're not sure what you need, we will help you decide by taking the time to listen to your circumstances.

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We’ll help you consider the factors that can affect what policy you need including

 

What you use your car for - pleasure only or also for commuting or business use

European use - you will need a policy that will give enough cover for your requirements

Mileage - discounts are available for restricted annual mileage

Breakdown - you may consider this instead of joining a motoring organization

Legal Expenses - for the recovery of uninsured losses

Courtesy cars - you may need a car while your car is being repaired

No claims discount protection - keep your no claims discount even if you have a fault accident

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What is classic car insurance?

Classic car insurance is designed to protect classic motors from unforeseen mishaps.

Your car will have to qualify as 'classic' to be able to take out this type of policy.

Classic car insurance isn't suitable for a vehicle you use frequently. For that, you'll need to take out a regular car insurance policy.

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What counts as classic car?

In order to incur no vehicle tax, HMRC requires classic cars to have been built or registered before 1 January 1983.

However, a car can be classed as 'classic' if it's more than 15 years old and has a value of at least £15,000. Insurers often use broader definitions depending on the make and model of the car.

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What's covered in a classic car insurance policy?

s with regular car insurance, there are usually three levels of cover to choose from for your classic car.

Third-party only This offers the lowest level of cover, protecting you against damage caused by you or one of your passengers, damage to other drivers and accidental damage to things such as lampposts and walls.

But it won't cover the cost of repairing damage to your car, which you'll have to pay for yourself.

Third-party, fire and theft This offers third-party cover and also the cost of repairing your car in the event of it being stolen or damaged by fire.

Comprehensive A comprehensive classic car insurance policy offers the widest range of coverage including third party, theft and fire as well as wider damage to your vehicle.

In addition to this, most classic car insurance policies will cover the following areas as standard:

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Agreed Valuation

An agreed valuation is when your insurer pays out a pre-agreed sum if your car is declared a total loss.

Regular car insurance policies will only compensate you the market value of your vehicle, which can cause problems if your model is worth significantly more than most vehicles of the same age and type, as most classic cars are.

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Salvage retention

If your car has been deemed a write-off by your insurer, salvage retention gives you the right to buy back the remains.

You'll have to tell your insurer that you wish to retain the salvage at the point your vehicle is written off.

They will then calculate the cost of salvaging the remains of your car and deduct this from your agreed valuation. You'll get the remainder back as a cash settlement.

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Laid up cover

Laid up cover insures classic cars that are no longer driven on the road but still require damage, fire and theft insurance.

It's ideal for owners who have declared their vehicle under the Statutory Off Road Notice (SORN).

It also covers race cars and vehicles in restoration.

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European cover

​​European cover is offered by most insurers to protect your classic motor if you ever need to take it to Europe. Most policies will allow you to spend up to 90 days on the continent.

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