Classic car insurance UK

At what age is a car a classic?

A classic car is typically categorised as a vehicle more than 20 years old, though there are exceptions to this rule. Some cars with a great historical value might be considered a classic as early as 15 years old.  Some must wait until their 40th birthday until they can claim the title. You can also judge by the rarity of the model, as well as the overall condition the car is in.
If you think you own a unique classic car, make sure to get an insurance quote that will be tailored to suit the your needs. Classic cars can hold a great historical and sentimental value, so it’s important to make sure you have sufficient insurance cover to match.

What makes a classic car insurance policy different to usual motor insurance cover?

Classic car insurance tends to be cheaper than normal motor insurance. Mileage is generally lower and the classic nature of your car means that it is likely kept in a good condition.  This means that you are unlikely to meet a technical fault whilst on the roads.
The premium will also depend on your driving history and age/experience.

I have a multi car policy, can I add my classic car?

Yes! We actively encourage people to add a non-standard vehicle to a fleet policy. As specialists in non-standard insurance, we can offer competitive prices for any combination of cars you have. Our multi car insurance allows you to add up to 20 vehicles and an unlimited number of drivers, all with the same renewal date. This can be very convenient when it comes to renewal time.

What level of cover can I get?

We offer three levels of cover, each offering different degrees of coverage in the event of an accident. Third Part Only is often the cheapest car insurance on offer although it only covers the other party in an accident. Third Party, Fire and Theft protects your vehicle from theft and fire damage, as well as covering the other people involved. Comprehensive cover provides the most extensive protection when you are driving on the roads but can also be the most expensive option. If you are involved in an accident, your insurer will pay for your damages, as well as any cost to the third party.

Is there any way to reduce the cost of my insurance?

Although insurance is considered an inconvenient expense, it is a legal requirement and there are steps you can take to get cheaper insurance.
Keeping your mileage low can sometimes reduce your insurance premium.  Although it is important not to underestimate how far you will travel annually as it could negatively affect your price at renewal.  Adding security measures to your classic car can help bring your costs down as it reduces the risk of theft.  Alarms, immobilisers and trackers are examples of things you can add to heighten the security of your car.  Remember to head to a comparison site at renewal so you get the best price each year. This means you can get a good idea of competitive premiums for your situation and compare them against other providers. Ultimately, this is the best way to drive your prices down.  We will always try our best to compete on price to offer you the best cover possible.

Classic car insurance for young drivers can be a little more expensive due to a lack of experience, but should still be affordable.

What are the most popular classic cars?

According to autoexpress, the top ten classic sports cars of 2019 were as follows:
Jaguar E-Type
Ferrari 250 GT
AC Cobra
Porsche 911
Ferrari Daytona
BMW 507
Lotus Seven
Austin-Healey 3000
Sunbeam Alpine

Are there any optional add-ons you can get for classic car insurance?

Many of the extras available for standard vehicle insurance are also an option for classic car insurance. These include breakdown cover, legal cover and key cover.

What is an agreed valuation?

An agreed valuation is an agreement you have to reach between you and your insurer on the value of your car. This is so that if you are involved in an accident and your car is written off you do not have to rely on the original market value but you’ll receive the prior agreed amount.

Does my car need an MOT or road tax?

If your car is more than 40 years old you will not need to take it to get an MOT, although it is optional. What’s more, these cars will also be exempt from road tax.
Overall, classic car insurance is much like any other motor policy.  There are optional add-ons and varying levels of cover available but with the added bonus of a lower premium. What’s more, classic cars fit with our multi car scheme which comes with the benefit of a multi car discount. This makes our rates very competitive. If your car is more than 15 years old it may be worth looking for classic car insurance online. Comparison sites help to get competitive prices, ensuring your motor is fully covered on and off the road. Alternatively give us a ring on 0333 222 4005 to get a classic car insurance quote.