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Classic/ Antique Cars & Car Insurance

In this section, you will find out about insuring antique, classic cars.

Classic Car Insurance is usually on vehicles 15 yrs old or older, although some insurance companies debate what a classic car is. It has to be a second car to qualify for the cheap insurance and insurance companies usually impose a mileage restriction, up to 5000 miles p.a.

The age requirement can vary from company to company, so anyone in the market for such insurance should shop around.

Some enthusiasts only take their cars onto the road during the summer. They would let their insurance lapse over the winter as they wouldn't be driving then. However, now in the UK if a car is taxed it must now also be insured.

HMRC defines a classic as more than 20 years old with a minimum value of £15K. But there is no standard definition for insurance. Some insurer's rate 10-year-old cars as classic; others, at least 15 years old. You should check the age definition before you request a quote to make sure you are getting like-for-like quotes.

Quotes are often cheaper than cover for a modern motor because a classic car is usually better maintained and driven less often, resulting in fewer claims to the insurer.

A typical insurance plan can provide you with:

An agreed value cover for your classic car. This is something you can negotiate with the insurer;
Cover for personal belongings in case of theft or accident;
A No claims discount;
Cover for damage to third parties;
Cover for repairs and spare parts.

Some conditions you may need to comply with: Your car must be at least 10 years old and originate in the UK. The vehicle must be used as a second car, never as your primary vehicle. Preferably it should be garaged and you should have a good driving record. The car should be kept under lock and key, with only a limited number of people having access to it. You can't drive it on a regular basis.

Driving your vintage car on a regular basis will disqualify you for classic car insurance. Generally, the lower your mileage, the lower your premium will be. The car may not be in everyday use. Weddings and other such instances are allowed. Essentially, it can't be a workhorse. You can't refit it so it use it in car rallies or sporting activities, wither. It's got to be a showpiece.

The driver should should be at least 21 and possess an unexpired EU or UK driving licence. The younger he is, the higher the premium. Some insurers will refuse young drivers.