Cover for your vehicle while travelling around the EU. Find out more about EU Cover for classic cars.
Roadside assistance in the event of a breakdown. Find out more about Breakdown cover for classic cars.
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. 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. 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.
Tips for Cheaper 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
Car club membership – Discounts of up to 15% are available
Limited mileage – options are available, and the lower the mileage the bigger the discount will be.
Higher excess – The higher your excess, the lower the premium.
Additional security – such as GPS tracker, steering lock, secure storage and CCTV.
Frequently Asked Questions About Classic Car Insurance
We know that your classic car is important to you, which is why we aim to find you the best and most competitive 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.
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.
For most classic car owners, their classic cars are not their everyday cars. This alone has an effect on the price of classic car insurance. A classic car being the secondary or even tertiary car in combination with the fact that most classic car owners take extremely good care of their vehicles, do not drive them frequently, and tend to adhere to local traffic laws tends to drive down the costs of classic car insurance in comparison to normal car insurance.
Getting 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.
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 making a decision about your coverage, let us know exactly what you are looking for, and we'll help you find the policy that fits.
I was delighted with the quotes I received from QuoteSearcher. I ended up making a saving of £300 on my insurance!
Nick Baker - Chorley, Lancashire
At last! A quote website that is simple, easy and quick to use!!! I just had to send in a quick email to congratulate and thank you.
Alan Roberts - Portsmouth
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