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Why choose classic car insurance?
Agreed value cover – many insurers will agree a set value for your car, so if it’s written off you’re compensated fairly.
Tailored use – policies can be designed around how often you drive your vehicle, from occasional Sunday trips to show events.
Lower premiums for careful use – classic cars are often driven fewer miles, which can mean lower costs.
Cover for spares and restoration – some policies include protection for spare parts or cars under restoration.
What to consider before choosing classic car insurance
Classic car policies can vary significantly between insurers, so it’s important to think about how you use your vehicle and what you want covered. If your car is primarily for leisure use, you may benefit from limited mileage policies. On the other hand, if your vehicle is undergoing restoration, you may want cover that includes parts and work in progress.
It’s also worth checking whether your policy provides agreed value cover, as relying on market value alone may not reflect the true worth of your vehicle. Storage arrangements, such as keeping your car in a secure garage, can also impact both eligibility and price.
Types of car insurance
This is the minimum legal requirement. It covers liability for injury or damage to other people and property caused by your vehicle.
In addition to third-party coverage, TPFT insurance also covers your vehicle if it’s stolen or damaged by fire.
Comprehensive insurance covers you if you damage your car, somebody else’s car or if you injure somebody in an accident, regardless of who’s at fault. It also covers your vehicle if it’s damaged by fire or stolen.
Telematics insurance involves the use of a black box device installed in your vehicle or a smartphone app to monitor your driving behaviour.
PAYG insurance allows you to pay for coverage only when you’re using your vehicle. It’s often used by occasional drivers and can be a cost-effective option.
Multi-car insurance allows you to cover multiple vehicles and drivers under a single policy.
Temporary car insurance provides coverage for a short duration, typically from one day up to a few months.
If you use your vehicle for business purposes, you may need commercial car insurance.
Factors that affect the cost of classic car insurance
Age and type of vehicle
Older or rarer models may require specialist cover.
Vehicle value
High-value cars generally attract higher premiums, though agreed value policies can provide clarity.
Mileage
Limited use often leads to lower premiums, especially if you only drive your car occasionally.
Storage and security
Cars kept in secure garages with alarms or immobilisers are usually cheaper to insure.
Driver age and experience
Insurers may require drivers to be over a certain age with a clean driving history.
Intended use
Whether you attend shows, rallies, or only drive locally can influence the cover you need.
Protect your pride and joy with classic car insurance
Classic cars are more than just vehicles, they’re a passion, an investment, and often a piece of history. That’s why insuring them requires a specialist approach. Standard car insurance may not provide the protection you need for the true value and unique requirements of your classic vehicle.
At MoneySpider, we make it simple to compare classic car insurance quotes from trusted providers. Whether your pride and joy is kept for weekend drives, shows, or as part of a collection, we’ll help you find cover that’s as individual as your car.
Advice for classic car owners
If you’re seeking the best cover for your classic car, take time to understand what makes classic policies different. Providing accurate information about your car’s value, usage, and storage is essential. Consider seeking an independent valuation to support an agreed value policy — this ensures you’re properly compensated if the worst happens.
Joining a recognised owners’ club can sometimes help you access discounts, as insurers may view membership as a sign of responsible ownership. And finally, don’t underestimate the value of comparing quotes, even specialist cover can vary widely in price and features.
FAQ
Need more help?
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