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Classic cars are more than just a way to get from A to B. Very often classic cars are hobbies, investments or of sentimental value and they’re just not driven or looked after in the same way as a standard car.
It makes sense, then, that insurers offer a range of bespoke insurance policies for vintage or collectable cars. And providing your pride and joy hits the criteria, they come with a range of benefits compared to a more conventional policy. Here’s what you need to know before comparing quotes.
Think of the phrase classic car, and you’ll probably have something from the 60s or 70s in mind. Vintage looks or rare collectable models are what most of us associate with a historic car insurance, but the definition of classic is a lot looser than you’d think.
The exact definition of classic car will vary between insurer, but most policies will require a car to be over 15 years old and be worth over £15,000. In 2021, that means anything from 1995 or below could be considered a classic – provided it’s over the minimum value. Feeling old yet?
Still, it’s important to remember these are just guidelines; it’s worth getting quotes from several different providers if your car doesn’t quite hit any of points above.
For example, something like a pristine BMW 3-series E30 – often referred to as a young-timer or modern classic – would be actually be classed as a classic car for insurance policies.
Ideally, you’ll have your car’s number plate. Don’t worry if you don’t have it to hand. You can still get a quote using other details of your car. You’ll also need proof of work and costs to reach an agreed value.
What type of license do you have? How long have you had it? Have you had any points or disqualifications over the past five years?
Raised a claim or had an accident in the last five years? We’ll need the date and cost of the claim and the nature of the accident.
An NCB is a count of the number of years you haven’t made a claim on your insurance. You’ll need details of your NCB. You can get these from your current car insurance provider.
Planning on having other people use your car? You’ll need their names and license details.
If you are looking to compare car insurance quotes, do so with our handy comparison tool to give you the best possible rates.
Classic cars aren’t driven in the same way as normal ones, and insurers agree. Classic car insurance rewards drivers who treat their cars well with lower premiums, and there can be other benefits too. If you’re thinking classic car insurance isn’t for you, think again; most policies class anything over 15 years old as a classic.
- Curtis Moldrich, Automotive Journalist
A classic car insurance quote is generally cheaper than a standard insurance quote, and that’s because it takes into account the way in which classic cars are treated differently to normal cars. Generally classic cars will do less mileage, spending the majority of their time stored away from the weather – and potential thieves – in a garage. What’s more, they mileage they do cover will be more gentle.
Alongside the usual pointers like third-party, fire and theft some classic car policies will add additional cover that you’ll only really need with a classic; the cost of restoring or taking part in historic events, for example.
Classic car insurance is similar to standard insurance, as it is calculated based on your miles, NCB, points, security etc – but there is one key difference.
Most car insurance is calculated via market value, but classic car premiums are calculated based on your vehicle’s agreed value. This is different and takes into account the costs you’ve put in painting, upgrading and restoring your car.
An agreed value is one of the most important things to establish when you a classic car insurance quote – as it’s the amount you’ll get if the worst happens, i.e your car is written off or stolen.
Insurance for vintage cars is often cheaper than standard car insurance, but there are ways to drive your costs down even further.
Reducing the miles you use your collectable will reduce costs, as the fewer miles you drive the less insurers will view your car as at risk. And although classic car insurance already assumes low mileage, it can be worth cutting it down even further.
If you’ve got a second car – like many classic owners do – why not user that more often? Don't be tempted to lie to your insurance provider about your mileage, though. There are serious repercussions for doing this.
If you feel as though you’ll exceed your limit, contact your insurance provider.
Many insurers realise that classic car club membership goes hand in hand with even better care and treatment of your historic vehicle. This isn’t a view shared by all insurers, but it’s worth mentioning when sorting a quote.
By comparing classic automotiove insurance policies here, you could save money and earn £40 cashback.
Loyalty is expensive. Don’t let your car insurance auto-renew. You could make your insurance cheaper by shopping around and finding a better deal when your insurance is up for renewal.
Paying for your car insurance year in one go could be a lot cheaper. You’ll avoid the added interest rates of paying monthly.
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It’s possible, though it could be subject to greater restriction than normal. Like any policy it’ll depend on the type of classic car you want to cover, and most insurers will prefer drivers to have had a licence for more than 12 months.