Classic Car Insurance Quotes

How to protect your classic car...

Get quotes in less than 2 minutes

Step One

Enter classic car details

Fill in details about your classic or vintage vehicle, annual mileage & garage storage.

Step Two

Compare agreed value quotes

Compare quotes from UK classic car insurance specialists with agreed valuation option.

Step Three

Preserve your heritage car

Select your tailored policy with club discounts, spare parts cover, and event protection.

Classic Car Insurance Overview

Classic car insurance is designed for vintage, veteran, and modern classic automobiles that are cherished, driven lower annual miles, and maintained in exceptional condition. Unlike standard car insurance where market value depreciates over time, classic car policies offer agreed value coverage to reflect your vehicle's true collector worth.

Key benefits of classic car insurance

Classic car policies come with tailored features tailored for enthusiast owners:

Agreed Valuation Payout: Insure your car for a fixed agreed market value approved by experts, guaranteeing full payout without depreciation in a total loss claim.
Limited Mileage Discounts: Lower annual mileage allowances (e.g. 1,500 to 5,000 miles per year) result in substantially cheaper premiums.
Laid-up SORN Protection: Cover against fire, theft, and accidental garage damage while your vehicle is off the road for winter restoration.
Classic Car Club Discounts: Membership in recognized owners' clubs often grants additional policy discounts up to 15%.

How is a vehicle defined as a classic car?

In the UK, HMRC considers vehicles over 15 years old with a value over £15,000 as classic cars, while DVLA road tax exemption applies to vehicles over 40 years old. However, specialist insurance providers accept vehicles from 15 to 20 years old as 'modern classics', provided they are not used as a primary daily commuter car.

Tips for keeping classic car insurance costs low

Store in a locked brick garage: Secure garage parking drastically reduces theft risk and earns major policy discounts.
Fit an approved Thatcham immobilizer or tracker: Enhanced security controls protect high-value collectible vehicles.
Join a recognized classic vehicle club: Most specialist insurers offer 5% to 15% discounts for active club members.

"Classic car insurance reflects the passion of vehicle collectors. With agreed value protection, your beloved vintage car is insured for its true market worth rather than standard depreciated book value."

FAQs for Classic Car Insurance

What is an agreed value policy in classic car insurance?

An agreed value policy guarantees that if your classic car is stolen or written off, the insurer pays out the exact amount agreed upon setup, rather than market value at the time of claim.

Can I use my classic car for daily commuting?

Most classic car insurance policies require that the vehicle is not your main daily commute vehicle and that you have access to a secondary daily driver.

Does classic car insurance cover spare parts and tools?

Yes, many specialist classic car insurance policies include coverage for spare parts, dismantled components, and specialized tools stored in your garage.

CLASSIC CAR INSURANCE