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Classic Car Insurance

Why Use Quotesearcher

  • One stop solution for all your insurance needs
  • No need to shop around to find the best deal
  • Only deal with UK leading insurers

There is no set definition for what constitutes a classic car when it comes to classic car insurance. What we do know is that classic cars are not just vehicles; they are a hobby, a passion, even a way of life. Coupled with this, they are a more attractive target for thieves, and repair bills for damage will run higher. This is why they require a specialist classic car insurance policy.

What is a Classic Car?

All cars from 1973 or before are exempt from paying road tax, however there are far more factors at play when determining a classic car than just its age. Technically, any car older than 15 years can be considered a classic car from an insurers point of view. Take the 1989 Volkswagen Golf GTI for example. This car has already acquired classic status, and insurers would consider a car like this to be a modern classic.

For some insurers, providing it is your second car, you do under 5,000 miles in it annually, and it is kept in roadworthy condition then it will qualify for a classic car insurance policy.

We know that classic cars can be very expensive, but our partners know this too and can offer policies to cover especially high value cars. Some of the most common classic cars in the UK include:

  • Aston Martin
  • Jaguar
  • Mini (classic)
  • MG Midget
  • Morris Minor
  • Rolls Royce
  • Triumph Spitfire
  • Volkswagen Beetle

As there is no set definition of a classic, and each quote is bespoke, we suggest you get in touch with us directly so we can help you find the right classic car insurance policy for you.

What is Classic Car Insurance?

We have compiled a list of the most common features of a classic car insurance policy for you to consider. This is to help you decide which features are applicable to you and which are not. Plenty of people are either under or over insured, meaning their policy either won’t pay out when it is time to make a claim, or they are paying over the odds for features they do not need.

  • Agreed value cover – This is arguably the most important part of the policy. Many insurers will only offer you the ‘market value’ for your classic car, which could end meaning you suffering a loss. Our partners will cover the true value of you classic car.
  • Laid up policies – Many classic cars are restoration projects, true labours of love. This will protect your vehicle while it is off the road or having work done on it.
  • Track day / Rally cover – Can be arranged accordingly.
  • Modified classic insurance – The majority of modifications can be covered on a like for like basis.
  • EU cover – If you want to take you classic car to a rally abroad, or on an overseas adventure in the EU, this will protect you and your vehicle.
  • Breakdown cover

Cheaper Classic Car Insurance

As this is a niche area of insurance, policy prices can be quite high. However, there are some steps you can take to reduce the price of your premium

  • Discounts of up to 15% are available for members of classic car clubs
  • Limited mileage options are available, and the lower the mileage the bigger the discount will be. Generally insurers offer 1500, 3000, 5000 and 7500 mile options.
  • The higher your excess, the bigger the discount will be. However, do not set your excess to a figure beyond you means, otherwise it could have disastrous implications financially.
  • Some insurers will offer discounts if there are extra security measures in place, including fitting a GPS tracker, steering lock, secure storage and CCTV. This will vary depending on your insurer.

Get in touch with us today so we can help find the classic car insurance policy for you!

Why Use Quotesearcher

  • One stop solution for all your insurance needs
  • No need to shop around to find the best deal
  • Only deal with UK leading insurers