Classic Car Insurance
Protect your vintage vehicle with specialist insurance designed for classic cars. Get agreed value cover, limited mileage discounts, and restoration protection.
Specialist Protection: Classic cars need specialist insurance that understands their unique value, limited use, and restoration requirements.
What Makes Classic Car Insurance Different?
Agreed Value Coverage
Unlike standard car insurance that uses market value, classic car policies offer agreed value coverage - a fixed sum you and the insurer agree represents your car's worth.
- Protects against depreciation
- Reflects restoration investment
- No market value disputes
Limited Mileage Discounts
Classic cars are typically driven less frequently, which reduces risk and allows insurers to offer significant premium discounts.
- Up to 50% lower premiums
- Typical limits: 1,000-5,000 miles
- Mileage verification required
Coverage Types Available
Comprehensive Cover
Core Protection
- • Agreed value settlement
- • Theft and fire damage
- • Vandalism protection
- • Weather damage
Additional Benefits
- • Spare parts cover
- • Tools and equipment
- • Trailer insurance
- • Club event coverage
Restoration Cover
- • Work in progress
- • Increased value option
- • Specialist repair network
- • Original parts guarantee
Age and Eligibility Requirements
| Vehicle Age | Minimum Driver Age | Experience Required | Special Requirements |
|---|---|---|---|
| 15-20 years | 21-25 years | 2-5 years | Modern classic, limited mileage |
| 20-30 years | 23-30 years | 3-7 years | Garage storage, club membership |
| 30+ years | 25+ years | 5+ years | Valuation certificate, restoration docs |
Cost Factors and Savings
What Increases Costs
High Performance Modifications
Engine tuning, turbo conversions
Poor Storage
Street parking, inadequate security
Young Drivers
Under 25 with limited experience
High Mileage Usage
Daily driving, commercial use
Money-Saving Tips
Limited Mileage Policy
Up to 50% discount for low mileage
Secure Storage
Locked garage reduces premiums
Club Membership
Discounts for car club members
Multi-Car Discount
Bundle with modern car insurance
Making a Claim
Claims Process for Classic Cars
Immediate Steps
- Ensure safety and call emergency services if needed
- Document the scene with photos
- Collect other party details if applicable
- Contact your insurer within 24 hours
- Don't admit liability or discuss fault
Special Considerations
- • Use approved specialist repairers
- • Original parts sourcing may take time
- • Multiple valuations may be required
- • Restoration documentation needed
- • Agreed value applies to total loss
Frequently Asked Questions
What qualifies as a classic car for insurance purposes?
Generally, cars over 15-20 years old, depending on the insurer. Some consider rarity, collectibility, or historical significance. Popular classics include Ford Escort RS, Austin Mini Cooper, and Jaguar E-Type.
What's the difference between agreed value and market value?
Agreed value is a fixed sum you and the insurer agree upon at policy start, protecting against depreciation. Market value fluctuates and may not reflect your car's true worth or restoration investment.
Can I use my classic car as a daily driver?
Most classic car policies have mileage restrictions (typically 1,000-5,000 miles annually) and may exclude daily commuting. Some insurers offer 'everyday classic' policies with higher mileage allowances.
Do I need to store my classic car in a garage?
Many insurers require secure overnight storage in a locked garage or approved facility. Some may accept car ports or storage units. Poor storage can increase premiums or void coverage.
Does classic car insurance cover modifications?
Yes, but modifications must be declared. Performance modifications may increase premiums, while period-correct or cosmetic improvements might not. Always inform your insurer before making changes.
Can I get classic car insurance if I'm under 25?
Many insurers have minimum age requirements (often 21-25) and may require several years of driving experience. Some specialist insurers cater to younger classic car enthusiasts with appropriate conditions.
Ready to Protect Your Classic Car?
Get specialist classic car insurance quotes from leading UK insurers. Compare agreed value policies, limited mileage discounts, and restoration cover.