Classic car insurance and sports car insurance for your cherished vehicles.

From a 1957 Fiat 500 to a 2010 Ferrari 599 GTO – and all points in between – we understand your cherished vehicles are not just a passion but also a labour of love. So whether you’re a collector, owner or trader, you can rely on car insurance that includes agreed value and retained salvage clauses.

The joy of driving a classic or future classic car is unquestionable, and the need for excellent and thorough insurance is key. We also understand that you may not use your “dream car” every day, so whatever and whenever you drive, we make sure you are covered.

We can insure many makes of cars including, BMW, Daimler, Hillman, Jaguar, Jensen, Mercedes, MG, Mini, Morgan, Morris, Porsche, Rolls Royce, Sunbeam, Triumph, Wolseley and many more.

We can also cater for more specialist vehicles such as classic sports cars, antique classic cars, vintage classic cars, American classic cars, kit cars, motorhomes, campervans, classic vans, Land Rover and classic 4×4’s to name but a few.

Our vehicle insurance professionals are enthusiasts who relish a challenge or an unusual car. We don’t employ call centre sales staff who are only interested in the next quick sale.

For more information on car insurance or to discuss requirements for your car club, call us to arrange a no obligation quotation. Policy terms and conditions are tailored to individual client needs, and therefore product features may vary.

Features typically include:
  • Common renewal date for all your vehicles
  • Legal protection
  • International insurance cover
  • UK and international breakdown cover
  • Like-for-like courtesy car
  • New vehicle write-off replacement (if less than two years old)
  • Any Driver cover (17-75)
  • Fully comprehensive ‘driving other cars’ cover
  • Full protection if hit by an uninsured driver
  • Diesel/petrol wrong fuel cover
  • Retained salvage clause so you keep a write-off
  • Agreed value clause guarantees vehicle worth
  • Modifications cover
  • Optional track day cover
Typical exclusions:
  • We will not cover loss of your car, accessories or spare parts if the car is unoccupied and the ignition key or card is in or on your car.
  • Your agreed value is based upon the declaration of condition made by you. Where the condition is different to that described, the insurers may choose to settle on a market-value basis.
  • If your vehicle value exceeds a certain value, it may be subject to a garaging requirement. Your policy schedule will confirm if this clause applies.

These are just some of the key exclusions/limitations, full details can be found in our policy wordings.

What is a Classic Car?

Any car manufactured at least 20 years ago.  Some manufactured between 15 and 20 years ago may be acceptable. The annual mileage must not exceed 7,500 miles and discounts may be available for lower mileage.

How is the car’s value determined?

The underwriters base their values upon the “fair market” value of a vehicle (the value that could be achieved in a sale between a willing seller and a willing buyer), agreed at inception and guaranteed until the following renewal. All we need for an agreed value is six photographs of your vehicle and, in some cases, additional supporting evidence.

Do you accept valuations?

Yes, provided it is appropriately worded to include the valuer’s opinion of today’s open market value – not reinstatement costs. It must also be from a marque specialist and independent of any restorer who has worked on the vehicle.

What is a Thatcham security device?

The Thatcham Motor Insurance Repair Research Centre evaluates the effectiveness of car security products against the British insurance industry’s criteria. Most insurers acknowledge the benefits of these devices.

What happens if I exceed my mileage limit?

If at the time of a claim it is established that the mileage limit has been exceeded, the claim will be declined. It is possible to increase your mileage limit providing it is prior to a claim occurring and that the required additional premium has been paid. Please note the maximum mileage limit allowed is 7500 miles per annum.

Can you cover a number plate?

Yes we can (up to £10,000). All we need is the value to put it on cover.

Does my classic car policy allow any person to drive?

No, however you can have up to six named drivers including the policyholder, provided they are over 25 years old.

Can I spread my payments and pay by monthly instalments?

Yes, we do offer payment by instalments. If you would like further details please call us on 0121 764 5500.

Our claims team

Any insurance is only as good as it’s claims service, which is why you can be sure you will have the benefit of talking to our classic car insurance experts should the worst happen. Our dedicated claims professionals have many years of experience in managing motor insurance claims and have the skills to get you back on the road as quickly as possible.

Your classic car insurance claim

A completely personal service, we treat all of our customers (and their cars) with individual attention. We commit to reacting quickly should the worst happen and to keeping your claim moving forwards.

Simply call us on 0121 764 7563 and we will talk you through the details of the claim, answering any specific questions you may have and advising you of the next steps. We will guide you through the process right through to an efficient settlement.

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