Classic Car Insurance

The price of a policy will differ depending on several factors. You can get an indicative quote within just a few minutes. You'll need to confirm the year, make and model of the vehicle to be named on your classic car policy, as well as the vehicle's estimated value and its annual mileage. The age of the driver may also have a bearing on the price of the insurance policy.

Classic car insurance could be cheaper, as you’re likely to be driving less miles, driving more slowly, and keeping the car in good condition. That means you’ll be considered a lower risk. Insurers would reflect that in the premium you pay. There are things you can do to can keep the cost of your car insurance down, like making sure you keep the car in a secure location like a garage.

It’s quick and easy to get a classic car insurance policy. We work in partnership with the UK’s leading classic car insurance experts, Hagerty Insurance, to provide insurance coverage for a range of older vehicles. Just call 0330 159 0728. Lines are open Mon–Fri 9am–5.30pm, Saturday 9am–1pm (Bank Holidays excluded).

Classic car insurance policies often have a restriction on the number of miles you can drive. You’ll need to check the policy wording before you purchase to make sure this will be adequate. Accepting a restriction could make your policy cheaper.

RAC UK and RAC European Breakdown Cover (including recovery) is automatically included within Hagerty’s Classic Car Insurance policies, and available for cars, motorised caravans, vans and motorcycles.

You can call our partners at Hagerty on 0330 159 0728 to get a quote straight away. Hagerty’s team are ready and willing to help you from Mon–Fri 9am–5.30pm, Saturday 9am–1pm (Bank Holidays excluded).

Agreed value is how much you and the insurer believe your car is worth – this is negotiated at the start of the policy. This is different to market value, which is the amount you can reasonably expect to get for your vehicle if you sell it.

If your vehicle is a total loss, insurers will pay out the agreed value. But you’ll need to have provided a valuation certificate and supplied suitable photographs of the vehicles within 30 days from the start date of the policy. If you’ve not provided this information and the market value for the vehicle is less than the agreed value, you’ll only be paid market value.

Market value is how much you would reasonably expect to receive if you sell your vehicle.

An excess is an amount of money on your claim that you pay, instead of your insurers. This usually includes one or more of these:

You're responsible for the excess, whether the incident was your fault or not. But if you’re in an accident that isn’t your fault and there’s an identified person responsible for the accident, you can usually claim back your excess and other uninsured losses from that person.

You can also get legal protection insurance that covers the cost of recovering your excess and other uninsured losses from the person responsible, or their insurers.

A vehicle is considered to be a total loss following an incident (accident, fire, or theft damage) if:

We cover vehicles that are being used for ‘green laning’ (driving on public roads without tarmac) as this falls under the Road Traffic Act.

But we don’t cover vehicles for ‘off-roading’ (driving off public roads) as this is on private land and doesn’t fall under the Road Traffic Act. We can also cover vehicles while they’re ‘laid up’ off the road, for example if they’re being restored, or aren’t registered for the road.

There isn’t a certain age where a car becomes a ‘classic car’. However, there are other certain criteria that needs to be met. For example, your car will need to be a special car of collectible interest. Call Hagerty on 0330 159 0728 to see if your car could be eligible.