Getting Back on the Road – Classic Car Insurance

Your classic car is likely your pride and joy, so you’ll want to ensure you have the best level of cover available, should the unthinkable happen.

Having a classic car will provide you with hours of joyous motoring, and, no matter whether you’re the proud owner of a Hillman Imp, Classic Mini or even a 300SL Gullwing, a classic insurance policy will suit you and give your car the loving care it needs.

What is Classic Car Insurance?

A classic car insurance policy will protect your classic full against damage and the increased risk of theft.

Does Your Car Count as a Classic Car?

HMRC will officially class a car as a ‘classic’ or ‘heritage’ when it is at least 20 years old and is worth at least £15,000. Though, many insurance policies will not have such specific criteria when it comes to a classic car insurance classification.

The best way to know whether your car is insurable under a classic car policy is by calling your broker.

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Why Should You Invest In a Specialised Policy to Insure Your Classic Car?

You will be able to ensure your classic car on a regular insurance policy. However, you should always make sure that your policy covers the car fully, especially as it is likely a showpiece. This should be reflected in the policy you take out.

If you are looking to show your car at conventions and car shows abroad, you must tell your broker this, and the same goes if you hire your car for weddings and photoshoots.

A classic car insurance policy will cover you for the same risks as an ordinary car insurance policy. So, if it is stolen or damaged, you’ll be covered. However, it can also cover:

  • The car whilst it is being restored
  • Displaying the car at a car show/exhibition/fair
  • Racing the car on track days
  • Going abroad

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What Does Classic Car Insurance Cover?

Like regular car insurance, there are usually three levels of cover to choose from;

Third-Party Only

This is the lowest level of cover, which will protect simply against any damage that is caused by yourself or a passenger, damage to other drivers and accidental damage whilst driving.

Keep this in mind this will not cover the cost of repairing damage to your car, which you will have to pay for yourself.

Third-Party, Fire and Theft

This will offer cover to the other party and also the cost of repairing your car in the event of it being stolen or damaged by fire.


This will offer you the most cover including third party, theft, fire and wider damage to your car.

It’s also very likely that a classic policy will include:

  • Agreed valuation paid out if your car is declared a total loss
  • Salvage retention to buy back the remains of your car if it is deemed a write-off
  • Multi-car cover to ensure all of your vehicles
  • Cover for your car if you need to drive your car in Europe
  • Laid up cover for if your classic is no longer driven on the road but still requires cover

What Factors Influence a Classic Car Insurance Premium?

Some of the common factors that can influence a classic car insurance premium are:

  • The age of your car
  • The make and model
  • Engine size
  • The number of miles the car has done

Though, remember that insurance premiums will vary from policy to policy.

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Is A Classic Car Policy Cheaper than Regular Car Insurance?

Buying insurance for a classic car is very different from ordinary daily-driven vehicles.

The nature of a classic car is that it’s kept in a pristine condition, is rarely driven and only in good weather, and kept in a safe location to protect its value. This means that its cost to insure is usually much lower than that for regular insurance.

More often than not, classic car owners tend to take much greater care of their cars and drive them carefully. This will likely influence the premium of your policy.

Make Sure Your Classic Car is Covered

Getting the right coverage for your pride and joy doesn’t have to be hard. A specialist classic car policy will help you get the most out of your car insurance policy.

Here at [broker_name], we’ll help you make sure that your classic car is fully covered and protected from damage. We understand that classic car needs a policy as unique as they are. Enquire now about the policy you need and to go through available quotes.

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