Covering a classic car can be difficult, with insurers often put off by the risks which come with age, while vintage vehicles often lack the safety and driver assistance of modern cars. Classic Car Insurance is designed to mitigate these risks, and often has extra benefits.
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We’re able to arrange dedicated Classic Car Insurance cover without breaking the bank, which can include:
- Third party or comprehensive cover
- Shows and rallies
- Agreed value
- Hire cover including weddings
Why Do I Need Specialist Cover?
Classic vehicles are usually expensive, are at higher risk of fault due to their age, and typically come at a higher repair cost. They also do not have the modern driver assist technologies that make safe driving easier. These are features that represent a higher risk to insurers.
Dedicated classic car insurers will be able to offer the necessary cover without you having to break the bank. They employ their specialist and industry knowledge to manage risk and therefore produce affordable coverage in a way that the mainstream insurers often will not.
As vehicles in this specialist sector tend to be expensive and of high value to their owners, many specialist providers will only offer comprehensive cover. However, some can also provide third party and third party, fire and theft.
Benefits and Security
Unlike most mainstream insurers, specialists can offer premium reductions through applying their specialist understanding of the classic car sector. For example, many specialist insurance providers offer extra discounts to driving club members. As classic vehicles are often only used for recreation, low mileage insurance schemes can also reduce premiums.
Premiums can also be discounted by adding additional security devices and by the owners ensuring that their classic vehicle has a strong maintenance history.