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