Why Classic Cars Need Special Cover
A classic car isn’t just transport; it’s an investment, a passion, and often a piece of history. Standard car insurance isn’t designed for these vehicles. Classic car insurance exists to protect their extraordinary value and the way they’re used.
Key Features of Classic Car Insurance
- Agreed value policies – you and the insurer agree the car’s value upfront, so you’re not stuck with “market value” if it’s written off.
- Limited mileage discounts – recognising that classics aren’t daily commuters, lower mileage often means lower premiums.
- Specialist repairs – cover for vintage parts and approved garages experienced in classic restorations.
Who Qualifies for Classic Cover
Eligibility varies, but insurers typically look for:
- Cars over 15–20 years old
- Vehicles used occasionally, not for commuting
- Owners who maintain their cars in good condition
Scenario Example
Imagine owning a 1970s Jaguar. Standard insurance might value it at £3,000, even though the market value is £10,000. With an agreed value policy, you ensure that if the worst happens, you receive the full insured amount, not a fraction.
Buying Classic Car Insurance Online
Specialist brokers and insurers now make it easy to buy classic car cover online. You’ll usually need:
- Proof of the car’s age and condition (such as photos or a club valuation)
- Your driving history
- Estimated annual mileage
FAQs About Classic Car Insurance
Can I drive a classic daily on classic car insurance?
No. Most policies restrict mileage and exclude commuting.
Does it cost more than standard insurance?
Not always. Limited use and careful ownership often make premiums surprisingly affordable.
Can modified classics be insured?
Yes, but modifications must be declared. Some insurers specialise in modified classics.
Reflections on the Topic:
Classic cars deserve specialist care. With classic car insurance, you protect not only the vehicle but also the history it represents. Buying online makes it simple to secure cover tailored to your pride and joy.