What Is Classic Car Insurance?

Covering a wide range of classic cars, it’s Classic Car Insurance offer a full range of affordable insurance policies for classic car owners. All the policies offered by our panel of UK specialist insurers are flexible and competitive. Once we match you with our relevant insurers, you decide the right policy at the right price. Save money today by getting a quick and easy classic car insurance quote.

A ‘classic’ is any car more than 15 years old with a minimum value of £1,500, although this may differ depending on the insurer. Generally speaking classic cars will have an enthusiast following, so owners are eager to find the most suitable policies. Vintage car insurance is similar, a ‘vintage car’ is commonly defined as a vehicle built between the start of 1919 and the end of 1930.

Classic car insurance can be significantly cheaper than insurance for a modern car due to specifically tailored policies. it’s Classic Car Insurance allows you to modify these specific requirements making your policy unique to you. Some of the tailored benefits include:

Agreed Valuations

Many of our specialist providers offer an ‘agreed value’ opportunity for classic car owners to purchase alongside their insurance. This allows you and the insurer to know the exact value you will be paid for the vehicle in the event of an accident or claim. If a claim does occur you will be paid your agreed value regardless of the current market value of your vehicle (minus any policy excess).

Off Road Cover

Laid Up insurance policies are now proving popular among classic car owners. Many classic vehicles are often kept off road, whether this is for restoration purposes or if you simply want your vehicle in a garage during the winter. In light of the government’s new regulations any vehicles not declared SORN (Statutory Off Road Notification) will need insurance. Our approved classic car insurers offer various options for “off road” or “laid up” vehicles. This means you could pay less to reflect the fact you are not driving the vehicle but you would still like it to be protected against accidental damage, fire and theft.

Limited Mileage Cover

it’s Classic Car Insurance deals with providers that understand that classic cars are often an owner’s second vehicle. Therefore they offer a low mileage discount. It is obvious that the fewer miles driven the less likely you are to have an accident, this is why our insurers offer the biggest discounts available for an annual mileage of less than 1500 miles. However, the discount structure offers various breaks for mileage.