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Insurance and cover for your classic car

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Welcome to our classic car insurance part of our website

We offer cheap online quotes for classic car insurance. Our policies are for UK customers and are provided by company specialising in the older vehicle which, unlike an old worn-out vehicle, has been kept in good condition, or is rare, or just appreciated and needs a special policy. Older vehicles in good condition need policies to provide an agreed value rather than market value. Our policies provide that and more. See our quotation system for quotes through leading companies.

The classic car insurance policy: cover and terms

As you know, classic car insurance differs from other policies as it has many different benefits. The most common differences in cover are shown below:-

The policy has no 'no claims bonus' clause - your premium won't be affected by the occasional claim

We can offer insurance for an 'agreed value' - subject to sight of photographs

An agreed maximum annual mileage is selected e.g. 1,500, 2,000, 3,000, 5,000 etc - the more the mileage the higher the insurance premium.

The policy, unlike normal does not usually give 'driving other vehicles' cover.

There is usually another main mode of transportation (often insisted by the insurer)

The vehicle should be garaged - but our insurance can cater for ungaraged vehicles

The vehicle should only be used for pleasure use only - but we may allow commuting as well

All drivers on the policy must be mature and have good driving records.

We have cheap policies for classic car insurance risks in England, Scotland or Wales (see list). They are all flexible and can cater for a wide variety of circumstances.

Choose your Classic Car Insurance Scheme from below
Scheme 1 CCUA provide this classic car insurance quote - underwritten by Norwich Union/ Allianz
Scheme 2 Lloyds underwrite this cheap classic car insurance - quotes designed for mature good drivers
Scheme 3 Lancaster provide this classic car insurance policy - immediate cover and great flexibility underwritten by Equity, Jubilee and Allianz


Definition of veteran and vintage vehicles

A vintage vehicle is one that has been built on or before December 31st 1930

Similarly a veteran vehicle is one that is built on or before December 31st 1919

Our policy can include both veteran and vintage vehicles.
Wedding Use

Your vehicle may be used for wedding purposes. If so you may need your policy extending. This policy can be extended to include wedding hire at £15.75 (including IPT) + our £10.00 charge per wedding

Annual wedding cover is available for a 100% premium load (minimum £157.50 including IPT)

This policy meets the need of someone who wishes to use income from hiring out for weddings to offset the cost of running their vehicle.

It does NOT meet the demands and needs of an owner intending to use the vehicle for private hire, self drive hire or main source of income

If you need cover for wedding hire as we have special policies available
Permitted Drivers

The policy requires all drivers to be 25 or over and under 77 with a full licence

The proposer must have held a full licence for at least 3 years and live in UK for three years

Additional Drivers must have held a full licence for one year and live in UK for one year

The policy can cover full UK licence holders working abroad for up to 5 years

Our policy limits the drivers by names

Agreed value

The insurer wont be able to give an agreed value unless you provide six photographs a of your vehicle -- one of front, one of each side, one of rear, one of engine bay and one of interior

Insurers will not accept Polaroid photographs

Digital photographs must be printed onto photographic/ coated paper

Minimum value of your car for an agreed insured value: £1000

Cars younger than 15 years old unacceptable for agreed value insurane other than Bentley, Jaguar, Daimler, MG (not metro. maestro or montego) Morgan, Panther, Reliant Scimitar, Rolls Royce and TVR..

High Value: The maximum value on this policy is £60,000 - higher values may be considered by contacting us.

Continental Use

This policy allows 90 days cover provided as standard: Can be increased on referral.

Applies to MGA countries only.

Please ensure you remain within the mileage limit set on the policy you obtain.

Unused Miles

This policy allows unused miles to be carried over on application - to 250

Not all policies allow transfer of unused miles

salvage

The company may allow the salvage to be retained - subject to a deduction in the settlement figure



Renewals

When your policy is due a renewal notices for your policy will be issued direct at least 21 days before expiry of policy.

A renewal declaration must be completed - including a mileage declaration before we renew your policy.

If the renewal declaration is not received any agreed value will be withdrawn, renewal of the policy the following year will not be invited, nor will another proposal accepted for the following two years.



Unacceptable vehicles

This policy is not available for Kit, custom, coaches, beach buggies, Japanese grey imports, American stretched limousines, mini-buses, vehicles with raised/ lowered suspensions.

The insurer may accept other modified vehicles, commercial vehicles, tractors, replicas and 'Q' reg

The insurer insists that Imported vehicles must be reregistered on UK plates within 30 days.
Material Facts

You are reminded of your duty to disclose all material facts when asking for any contract. Examples of material facts are: motoring and non motoring convictions, claims or losses, modified cars etc. This is not an exhaustive list. If you are in doubt if a fact is material then it should be disclosed. Failure to disclose material facts could result in the insurer refusing to pay your claim.