Classic Car Insurance

Buying a classic car can be very expensive, while added costs of refurbishing and upkeep can really mount up. Once your classic car is fully restored, (or maybe you bought it in pristine condition?) you will want to take out insurance cover in case of loss, damage, theft or accident. Here we take a look at some providers of classic car insurance offering good deals and great service.

Adrian Flux

Adrian Flux Classic Car Insurance

This is a company that has been providing Classic Car Insurance for the past forty years so know plenty about the subject. Looking to accomodate the specific needs of their clients Adrian Flux will provide a quote for Classic Car Insurance either online or by using their convenient call back service whereby customers can speak to an advisor in order to ascertain which is the best cover for them.

Adrian Flux can tailor your policy to suit your needs finding the lowest prices, agreed value classic cover, laid up cover for projects plus 15% discount for those who are members of a classic car club. This company has access to over forty providers and will relieve the strain of searching for your classic car insurance by doing it for you, while their website states that Adrian Flux will endeavour to beat your cheapest quote!

Footman James

Footman James Classic Car Insurance

Footman James specialise in Vehicle Insurance with Classic Car and Motorbike Insurance being top of their list. Quotes can be obtained online or by requesting a call back, whichever suits you best. This company has been insuring classic and vintage cars for over thirty years so has a real knowledge about what customers want and need such as breakdown cover and agreed value.

Footman James have links with many Classic Car enthusiast organisations and indeed sponser Classic Car shows showing the company is as passionate about Classic Cars as the owners are themselves. The company can also arrange multiple Classic Car cover for those lucky enough to own more than one classic beauty.

All polices offer 24hr breakdown cover as standard along with cover for foreign travel, motor legal expenses and road rage cover.

AA Classic Car Insurance Services

The AA Classic Car Insurance

The AA arrange Classic Car Insurance in cooperation with Towergate Underwriting Group. Benefits of their Classic Car policies include agreed value in most cases, unlimited windscreen and window damage cover with a £50 excess, cover in most European countries, up to £5000 personal accident cover for you and a partner, with the optional extra of legal expenses cover.

Customers who are over the age of 25, have a car over fifteen years old with a standard build and drive less than 7,500 miles a year can contact the AA regarding Classic Car Insurance.

Lancaster Insurance

Lancaster Classic Car Insurance

Lancaster Insurance provide insurance services including specialist Classic Car Insurance cover. Lancaster has provided the service for thirty years now therefore have an array of knowledge on the subject. Benefits include:

  • 1. Agreed Valuation
  • 2. Limited Mileage Discounts
  • 3. Car Club Member Discounts up to 25%
  • 4. Wedding Hire
  • 5. Laid Up Cover
  • 6. Modified Classic Car Insurance
  • 7. Extended Cover is also Considered on Request

Lancaster can also arrange cover for more unusual Classic Vehicles insuring such as classic fire engines, ambulances or tractors plus also offer multiple vehicle policies. Visit the Lancaster Insurance website to obtain a quote online or speak to an advisor.

Hagerty Insurance

Hagerty Classic Car Insurance

Many of the advisors who work at Hagerty are classic vehicle owners themselves so have a real passion for these beauties. Hagerty offer great comprehensive Classic Car insurance policies at competitve rates specialising in these policies rather than a huge range of other insurance products.

Comprehensive Classic Car Insurance cover with Hagerty offers:

  • 1. Third Party Liability
  • 2. Fire and Theft
  • 3. Agreed Value
  • 4. Discounted Premiums
  • 5. Classic Car Club Member Discounts
  • 6. European Travel Cover
  • 7. Breakdown and Recovery in the UK and Europe
  • 8. Laid Up Cover
  • 9. Drive Other Cars also Insured by Hagerty subject to the Owners Permission.

Quotes may be obtained online or by calling the number on the Hagerty website.

Frequently Asked Questions Regarding Classic Car Insurance

At What Age is a Car Considered Classic?

Any car older than fifteen years may be classed as classic although it is down to the insurer as to whether they will consider a car old enough. Some insurers will not consider a car under twenty years of age as classic.

What Will an Insurer Consider When I Apply for Classic Car Insurance?

An insurer assumes that you will be doing fewer miles in a classic car. Sometimes proof of mileage or confirmation of mileage may be requested. The insurer will want to know where you keep your classic car. Most owners of classics keep them garaged and this will need to be confirmed. Only specialist classic policies cover cars for their classic value.

I Am a Classic Car Club Member Will I get Discount?

Yes many insurers offer a 15% or even up to 25% discount to Classic Car Club Members. Proof of membership is required.

Can I insure Multiple Cars?

Some insurers do offer multiple classic car policies but not all.

Do I Get a No Claims Discount?

Classic Car Insurance does not offer no claims discounts.

Can I Cover My Number Plate?

Most policies will offer cherished number plates cover, speak to the insurer to ascertain this.

I am Under 25 Can I Get Classic Car Insurance?

Generally speaking most insurance companies do not offer cover to the under 25's.

What is Agreed Value?

Agreed value is where an insurance company agrees a value on your car after seeing up to six photographs along with written proof relating to its value. Receipt of purchase plus valuation papers are acceptable as proof. When a valuation is agreed this is the amount minus any agreed excess any claim would be based upon..

If I Improve My Car Can I Raise the Agreed Value?

Proof of upgrade will be needed in order to raise an Agreed Value in the form of photographs and receipts. The Insurance company will then make its decision based on the facts.

Comparison Sites

Confused Car Insurance Comparison Site

Most of the classic car insurers above can be found through comparison sites as well where you can compare their deals side by side with competitors. Sometimes the deals offered on the comparison sites can be cheaper than direct on their own sites and sometimes more expensive so it's worth checking both out. Also there are a few insurance companies not on comparison websites that claim to be able to beat quotes found on sites like Confused.com and Moneysupermarket.com and they also may be worth getting quotes from. Shopping around in general for covering your classic car has never been easier in the UK so you don't have any excuse to get a great deal for your precious vintage automobile!