At Abbeyfields, we’re specialist insurance brokers. We can arrange insurance for classic car collections, with cover built around the vehicles you own and how you use them. Your collection can include different makes, ages and types of vehicle.
But if you’ve struggled to get an online quote or heard that classics are difficult to insure, you might wonder whether your collection qualifies. What then?
Give us a call to discuss your options. We’re classic car enthusiasts too, and we’ll take the time to understand your collection and the cover you need. Here are some of the concerns you can talk through with us.
Your collection seems too small or too large
You don’t need a warehouse of classics to enquire about insurance. Our multi-car insurance actually starts at just two vehicles. There must also be more vehicles than drivers on the policy.
At the other end of the scale, we don’t impose a fixed upper limit on the number of vehicles or the collection’s value. We’ll discuss your vehicles, drivers and storage arrangements to assess the available cover.
Your collection includes cars from different eras
Alongside a 1930s tourer or a 1960s sports car, you might own a 1990s hot hatch or an early 2000s performance car. You may be unsure whether these qualify for the same type of insurance.
There’s no universal age threshold for classic car insurance. We work with a panel of insurers, each with its own acceptance criteria covering factors such as age, value, mileage, use and storage. We can also arrange modern classic insurance.
You use each vehicle differently
You might take one car to occasional shows and use another for longer tours. Each needs cover that reflects how you use it.
Depending on the policy, we can arrange a separate annual mileage allowance for each car, or one combined allowance shared across the collection.
If you use one of your classics for commuting or regular journeys, tell us. We’ll take that into account when looking for a policy that covers your entire collection.
Some cars are stored or undergoing restoration
Condition can vary across a collection. While some cars are ready for weekend drives, others might be awaiting repairs or being restored.
We can arrange cover for vehicles that are stored or undergoing restoration. Laid-up insurance can protect against risks such as storm damage, fire, theft and accidental damage while your vehicle is stored. For our laid-up cover, it must be kept in a locked garage or secure building.
This cover doesn’t include road use or third-party liability. Speak to us before taking the car out so we can discuss the protection you’ll need.
Some of your classics have been modified
Your cars may have changed since leaving the factory. You might have fitted a more modern engine during restoration or upgraded the suspension, carburettors or exhaust.
You don’t necessarily need to return a car to its original specification to obtain insurance. We can arrange cover for a range of cosmetic and performance modifications. The important thing is that you tell us about all of them.
Your collection includes rare or imported cars
Your collection might include a model produced in limited numbers, an American import or a vehicle from a marque that no longer builds cars (such as Rover, Reliant or Saab). You might be worried that a mainstream insurer won’t cover these rarer vehicles.
Arranging cover for unusual vehicles is part of our day-to-day work. We can do it for classics, American imports, kit cars, replicas and other specialist vehicles, all of which may make up your collection.
Your cars are stored at different addresses
You might keep some cars at home and others in storage or at a second property.
Multi-car policies usually require vehicles to be kept at one main address. However, we can accommodate a second address. Explain where each vehicle is kept so we can consider the arrangements when discussing your policy.
Get insurance for your classic car collection
Whatever your collection includes, a conversation with our team can help you understand your insurance options. As a family-run, independent broker with over 35 years of experience, we understand specialist vehicles and the insurance requirements that come with collecting them.
Request a quote or call 0121 655 3420. We’ll discuss your collection, explain the available cover and help you find a policy tailored to your classic car collection.
