Classic Car Insurance

Classic, Cherished or Collector Car Insurance policies provide specialist cover and sometimes extra benefits for your cherished car. Typically it provides protection for valuable and old cars that aren’t your daily drive; they may even be unusual or imports. Insurance that provides adequate protection is vital so it’s often worth ensuring that you find a policy with ‘agreed value’ wording. If the worst happens and your cherished car is written off, you can get the value you agreed with the insurer in a claim, rather than the market price for a vehicle of a similar age.

Absolutely. We welcome car club and forum members because enthusiasts tend to be careful drivers who lavish attention on their cherished cars.

It can be, yes. Older cars are often simpler, heavier, slower. As such, they are less at risk of a claim. As a rule, classic car drivers are more cautious, drive fewer miles, shorter distances, at quieter times and in fairer weather – all of which minimises risk. Classic car policies may also have limited mileage, which can make the premiums competitive as well.

There may be. For instance, modifications may affect a car’s ‘classic’ status, so it’s important to declare this when getting a quote. Some insurers will have driver age and mileage limits too. Track days or racing may not be covered, depending on the insurer. In addition, for insurance purposes, a classic car can’t be your everyday vehicle and should benefit from off–road and/or garage parking. An independent insurance broker can help to ensure you have the right policy for your cherished vehicle.

Yes, we can arrange replica car and kit car insurance. Our experienced team of car insurance brokers is able to tailor a policy to you and your car. 

We can even provide:

• Salvage options: get your vehicle or its parts back after a write-off event.
• Agreed value: receive a set amount in the event of a claim.
• Spare parts: protect any spare parts you may have against theft, loss or damage.
• Limited mileage car insurance: discounts may be available if you don’t drive the vehicle often.

Either request a quote online, or call us on 0800 917 2274.

Yes we can! Collector Car Insurance is an ideal option if you are a true enthusiast and want to insure all of your prized vehicles under one policy. It is particularly suited to those who have at least one classic or specialist vehicle alongside a collection of other classic or modern cars, motorcycles or commercial vehicles. 

If you don’t have any specialist or classic cars in your collection, then Collector Car Insurance may not be for you.

The benefit of a Collector Car Insurance policy is that you have just one set of policy documents and one renewal date for all of your beloved vehicles. Each car under the policy will also accrue its own no claims bonus. 

To find out if Collector Car Insurance is right for you, get in touch with our experienced team.