Classic Car

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.

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.