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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 theyâre 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. Hereâs what you need to know before comparing quotes.
Think of the phrase classic car, and youâll 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 youâd 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 ÂŁ15,000. In 2021, that means anything from 1995 or below could be considered a classic â provided itâs over the minimum value. Feeling old yet?
Still, itâs important to remember these are just guidelines; itâs worth getting quotes from several different providers if your car doesnât quite hit any of points above.
For example, something like a pristine BMW 3-series E30 â often referred to as a young-timer or modern classic â would be actually be classed as a classic car for insurance policies.
Ideally, youâll have your carâs number plate. Donât worry if you donât have it to hand. You can still get a quote using other details of your car. Youâll 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? Weâll 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 havenât made a claim on your insurance. Youâll need details of your NCB. You can get these from your current car insurance provider.
Planning on having other people use your car? Youâll 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 arenât 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 youâre thinking classic car insurance isnât 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 thatâs 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 â and potential thieves â in a garage. Whatâs 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 youâll 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 â but there is one key difference.
Most car insurance is calculated via market value, but classic car premiums are calculated based on your vehicleâs agreed value. This is different and takes into account the costs youâve 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 â as itâs the amount youâll 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 youâve got a second car â like many classic owners do â 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 youâll 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 isnât a view shared by all insurers, but itâs worth mentioning when sorting a quote.
By comparing classic automotiove insurance policies here, you could save money and earn ÂŁ35 cashback.
Loyalty is expensive. Donât 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. Youâll avoid the added interest rates of paying monthly.
Please keep in mind that quotes you get from insurers through us will offer standard cover for the current market value of the car, which may be less than its value as a classic car. You will need to contact your chosen insurer to agree a value before proceeding to buy â this could increase your price.
Please note: by clicking the "Get a quote" button, you consent to your details being used by the comparison partner and insurance quote providers. Don't worry they won't call or email though.
When using the Compare service, you must take reasonable care to answer insurers questions fully and accurately and if you volunteer other information, you must take reasonable care to ensure that the information is not misleading. If any information that you have provided changes before you take out your insurance, during the life of the policy or at renewal you must inform the insurer or broker of the change. If you deliberately or carelessly misrepresent any information in relation to this insurance, then your policy may not pay all, or part, of a claim and could in certain circumstances be avoided altogether.
*Quidco ran a prize draw between 22.07.20 and 05.08.20 asking participants to test us by comparing two car insurance quotes: one from Compare and one from any other UK comparison site. Out of 2,392 participants, 82.25% received a lower premium from Compare with their cashback included.