Classic Car Insurance


Four things you need to know about classic car insurance

Owning a classic car can be rewarding. Not only do you get the pleasure of driving it, there’s also a sense of community to be had from joining owners’ clubs or attending rallies with like-minded enthusiasts. You will, of course, need to insure your beloved vehicle, so here’s what you need to know: 

4. How can I lower my classic car insurance costs?

If you’re looking to insure a classic car, there are a number of ways you can affect the cost. But remember, it’s not just about the upfront price, consider excess fees and the overall value too.

  • If you have a main vehicle aside from your classic car, let your insurance company know. This will reduce your insurance costs as it means you’ll be treating your classic vehicle as your second car, and not using it for everyday purposes.
  • You’ll need to agree an annual mileage limit for your classic car, usually 3,000 or 5,000 miles, although this can be as high as 7,500 miles.
  • If you can’t guarantee that you’ll keep under such mileage limits you’ll need to insure your classic car under a standard policy. The cost of doing this will vary from vehicle to vehicle, and depend on how scarce and expensive replacement parts for the vehicle are.
  • If you’re under 25 it’s likely to be more expensive to insure yourself as a classic car driver, although some insurers offer a discount if you can prove that you’re a committed enthusiast - for example, if you’re a member of a club dedicated to restoring your chosen make of vehicle.
  • Younger drivers may also be able to reduce their classic car insurance costs by getting themselves an advanced driving qualification.
  • Your policy will be affected by where you choose to park your classic car. Your insurance may be cheaper, for example, if you’re going to be keeping it in a locked garage, rather than parked on the street.

While we don’t arrange insurance for classic cars ourselves, to find out more about the different types of cover we can offer, visit our car insurance page.

Why choose us for your car insurance?

  • We have over 60 years' experience in finding car insurance so we understand what’s important to you
  • We’ll compare quotes from our specially-selected panel of insurers to give you the lowest price we get back
  • We're here to answer any questions - speak to us over the phone or via Live Chat
  • You can tailor your insurance with optional additional cover to suit your personal needs
  • We have an online insurance hub where your documents will be stored and you’ll be able to make changes to your policy