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Classic Car Insurance | Free Advice and Guidance | New Forum | Insuring Your Classic Car

Choosing The Right Insurance For Your Classic Car

From an Aston Martin to an Austin Healey, from an MG to a Morgan, Britain has some of the most renowned names in the history of motoring and it`s no wonder that so many take pleasure in restoring, preserving and driving some of the classic cars of yesteryear.

The problem many enthusiasts face, however, is that getting behind the wheel of one of these iconic vehicles can be expensive due to high car insurance premiums. So how can classic car drivers get the right policy at the right price?

What Classic Car Insurance Options Are Available?

As your classic car is likely to be among your most prized possessions it`s advisable to shop around for car insurance to ensure you`re getting a good deal. Before you do that however, you`ll need to understand the classifications used to categorise these older vehicles. They are:

- Veterans: vehicles manufactured up to December 1904.

- Edwardian: vehicles manufactured from January 1905-December 1918.

- Vintage: vehicles manufactured between December 1918 and 1933.

- Classics: typically manufactured pre-1974 although there can be exceptions.

- Cherished: collectible or rare cars that are five- to 10 years old.

Normally when comparing car insurance quotes you are advised to use a comparison website to compare deals from as many as 90 different insurers. However, not all insurers will offer quotes for classic cars, limiting your options. Indeed even those that offer cover may not provide the policy features you expect. As such it`s worth considering specialist insurers.

There are several specialist insurers with dedicated teams that focus on classic cars in the UK market. These include:

- Footman James
- Heritage Motor
- Lancaster Car Insurance
- Performance Direct
- Peter Best Insurance Services

When choosing the right insurer it`s important to look at the cover options available as well as any notable exclusions. Some of the policy features you may wish to look for include:

- Agreed valuations:
A pre-determined valuation of your classic car in case it is written-off in an accident or stolen.

- Courtesy cars:
In case your classic car is your main vehicle and you need a replacement to carry out your daily errands.

- Event coverage:
Is your vehicle covered for special events such as hill climbs, rallies and sprints?

- Laid-up insurance:
Cover for your vehicle while it is off the road for a prolonged period such as while it is being restored.

How Can You Save Money On Classic Car Insurance?

While finding the most comprehensive policy for your vehicle can provide vital peace of mind it can also come at a price. Generally speaking, the more cover you obtain the higher your premiums. As such it`s worth looking for ways to save money on classic car insurance.

Many insurers offer discounts that can be worth capitalising on, including:

- Car club membership discounts:
Many insurers offer discounts to enthusiasts who are part of a car club

- Limited mileage discounts:
If your classic car is not your main vehicle you may be able to agree to a strict mileage limit.

- No-claims discount:
Based on the number of years you remain claims-free.

There are several additional ways to save on classic car insurance. Here are some tips:

- Improve security:
Fit alarms and immobilisers to your vehicle.

- Increase excess:
Agree to a higher voluntary excess.

- Park in a garage:
Parking your vehicle in a garage overnight can reduce your premiums.

- Pay annually:
To avoid monthly interest charges.

Remember the key to car insurance savings is to shop around before you buy!


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