What classifies classic car insurance?

A classic car is generally defined as any vehicle from 1973 or before, although some insurers will consider any car older than 15 years old as a classic car. A car older than 15 years old may qualify for a classic car insurance policy, as long as it is not your primary car, is kept in roadworthy condition, and you drive less than 5,000 miles a year in it.

What does classic car insurance cover?

We know that your classic car is important to you, which is why we aim to find you the best and most competitive classic car insurance insurance quotes possible. Classic car insurance covers all models of classic car, as well as modifications, travel in the EU, roadside assistance in case of a breakdown, agreed value cover, and even a laid-up policy if your car is in the garage.

How much does classic car insurance cost?

The cost of your classic car insurance depends on a number of factors, including make and model, how often it is driven, and whether it has had any modifications among other things. In order for you to be fully protected, it is important to find an insurance policy that offers coverage for as many situations as possible. Our panel of specialist classic car insurance brokers are passionate about finding you the best cover at the right price.

Why is classic car insurance cheaper?

Classic cars are defined by their age and how there are driven. If you have a vintage vehicle, is it likely to be your secondary vehicle as opposed to your main daily runaround. As it is on the road for less time than other vehicles, it is far less likely to be in an accident. Furthermore, because classic cars are such passion projects for their owners (not to mention expensive), they are likely to be driven very carefully when they are on the road.

Can I get classic car insurance with unlimited mileage?

Most classic car insurance policies stipulate that the car should be driven less than 5,000 miles a year, but sometimes it is way too much fun taking a road trip in your car. If you want to take your car out for a longer spin, rather than leaving it in the garage, please make sure to get in touch with us when searching for coverage. Unlimited mileage could affect your policy price, so before deciding your coverage, let us know exactly what you are looking for, and we'll help you find the policy that fits.

Can I get classic car insurance for young drivers?

Getting classic car insurance for anyone under the age of 25 can be extremely difficult and more expensive, due to the fact that they are not as experienced as drivers who have been on the road longer. If you have a driver under the age of 25 who is interested in classic car insurance, we suggest getting in touch with your broker for more detailed information.

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Why use QuoteSearcher for Classic Car Insurance?

Owning a classic car comes with a real sense of pride, but older vehicles often need specialist care. From rare parts to restoration work, the risks and costs can be very different from standard motor insurance, which is why many owners look for brokers experienced in classic and vintage vehicles.

We work with a panel of brokers who specialise in classic and vintage cars. They understand the unique requirements of older models and can discuss the types of cover that may suit the way you use and maintain your vehicle.

If you’re a collector or enthusiast looking for classic car insurance, there’s no need to complete multiple forms across different websites. Simply fill in our short form, and we’ll connect you with specialist brokers who can talk you through your options and help you compare the policy options available.

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Classic Car Insurance Features

Below are some features that may be available from classic car insurance brokers. These depend on the provider and the terms they offer.

Agreed Value Cover

Some brokers may provide the option to set an agreed value for your vehicle, helping protect you if market prices fluctuate.

Laid Up Cover

You may be able to arrange cover while your vehicle is off the road, stored, or undergoing repairs or restoration. Find out more about this here.

Track/Rally Day Cover

Certain providers may offer protection if you use your classic car at an approved track or rally event.

Modified Classic Car Insurance

If your vehicle has been modified from its factory standard, some brokers can outline cover options for modified vehicles.

EU Cover

For owners attending events or travelling within Europe, some policies may include temporary EU cover.

Breakdown Cover

Some brokers work with providers who include breakdown assistance, such as roadside recovery and onward travel.

Factors Affecting Classic Car Insurance

While third party only (TPO) cover is the legal minimum, many classic car owners look for more comprehensive options. These may include agreed value, laid up protection, or breakdown cover, depending on what each broker can offer.

Classic car insurance can sometimes be cheaper than standard policies, because some providers may consider factors such as lower annual mileage or careful usage. However, some brokers or insurers may have criteria you’ll need to meet before they can offer a quote.

Some brokers consider a vehicle “classic” if it is over fifteen years old, used as a secondary vehicle, and driven a limited mileage each year – often around 5,000 miles. Some providers may be flexible, while others have stricter requirements.

Reduce Your Classic Car Insurance Quote

There are several ways you may be able to reduce the cost of your classic car insurance:

Limited Mileage Car Insurance

If you only drive your classic car occasionally, some brokers may offer mileage-limited options, often around 1,500 miles per year.

Car Club Membership

Membership in a recognised classic car club can sometimes lead to reduced premiums. Clubs may also offer benefits such as discounts on parts or servicing.

Avoiding Modifications

Modifications can increase the cost of cover, so it’s important to declare any changes to help brokers explore the options available to you.

Extra Security Measures

Storing your vehicle securely – for example, in a locked garage – and using devices such as alarms or immobilisers may help reduce your premium by lowering the risk of theft or damage.

Frequently Asked Questions About Classic Car Insurance

- What classifies classic car insurance?
  A classic car is generally defined as any vehicle from 1973 or before, although some insurers will consider any car older than 15 years old as a classic car. A car older than 15 years old may qualify for a classic car insurance policy, as long as it is not your primary car, is kept in roadworthy condition, and you drive less than 5,000 miles a year in it.
- What does classic car insurance cover?
  We know that your classic car is important to you, which is why we aim to find you the best and most competitive classic car insurance insurance quotes possible. Classic car insurance covers all models of classic car, as well as modifications, travel in the EU, roadside assistance in case of a breakdown, agreed value cover, and even a laid-up policy if your car is in the garage.
- How much does classic car insurance cost?
  The cost of your classic car insurance depends on a number of factors, including make and model, how often it is driven, and whether it has had any modifications among other things.In order for you to be fully protected, it is important to find an insurance policy that offers coverage for as many situations as possible. Our panel of specialist classic car insurance brokers are passionate about finding you the best cover at the right price.
- Why is classic car insurance cheaper?
  Classic cars are defined by their age and how there are driven. If you have a vintage vehicle, is it likely to be your secondary vehicle as opposed to your main daily runaround. As it is on the road for less time than other vehicles, it is far less likely to be in an accident. Furthermore, because classic cars are such passion projects for their owners (not to mention expensive), they are likely to be driven very carefully when they are on the road.
- Can I get classic car insurance with unlimited mileage?
  Most classic car insurance policies stipulate that the car should be driven less than 5,000 miles a year, but sometimes it is way too much fun taking a road trip in your car. If you want to take your car out for a longer spin, rather than leaving it in the garage, please make sure to get in touch with us when searching for coverage. Unlimited mileage could affect your policy price, so before deciding your coverage, let us know exactly what you are looking for, and we'll help you find the policy that fits.
- Can I get classic car insurance for young drivers?
  Getting classic car insurance for anyone under the age of 25 can be extremely difficult and more expensive, due to the fact that they are not as experienced as drivers who have been on the road longer. If you have a driver under the age of 25 who is interested in classic car insurance, we suggest getting in touch with your broker for more detailed information.

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