Here are some frequently asked questions about classic car insurance.
What qualifies for classic car insurance?
This is the age old question that has been debated by insurers and owners since the first classic car insurance policy was underwritten. Although there is no agreeable answer, we explain some of the arguments about when a vehicle qualify for classic car insurance.
What is the price of your classic car insurance policies?
Our premiums start from £61.60. Because we build bespoke insurance packages for our customers there is no set price. You can get a quick quote by calling our team on 0121 550 2380 or submit a quote request.
Do you cover modified or custom classic vehicles?
Yes, we can. For example, we provide insurance cover for custom Hotrods and American classic cars. We are able to insure a wide range of performance and cosmetic modifications such as replacement engines, carburetor or exhaust changes and suspension lowering or body kits. We are unable to cover NOS.
Do you cover classic car collection or fleets?
Yes, we do. There is no upper limit on how many vehicles you can have on your policy or the value of the total collection. We also offer laid up insurance if you intend not to use your vehicles.
Do you offer a no claims bonus?
No, they are flat rated. The premiums are focused on the year of manufacture, the value and the mileage. However, when you take out a multi car insurance policy, you are still entitled to a no claims bonus on your daily drive.
Do I need a garage for classic car insurance?
This all depends on the value of your vehicle and year of manufacture. We have a panel of insurance companies and some are more flexible than others regarding where your car is stored or kept overnight. Contact our team for more info.
Do you provide insurance for storing classic cars?
Yes, we provide laid up insurance which is also suitable if you declare your vehicle SORN.
Can I use my classic car for business?
This depends on a lot of variables such as your occupation and annual mileage. For example, if you are a company director with two office locations, we would be able to consider including business use when commuting between each office.
Do you cover classic 4x4s?
Absolutely, we have much experience underwriting classic 4x4 insurance. We also provide insurance for modified 4x4s.
Does my vehicle require an MOT?
On 20th May 2018, the UK law changed for classic car owners. Any car registered more than 40 years ago will no longer require an MOT. This is a rolling time limit. For example, a car that was registered on 13th January 1980 will no longer need an MOT after 13th January 2020. Please note, there are exceptions such as cars that have been substantially changed in the last 30 years. Search online for information about the exceptions to the new MOT rules for classic cars.
It’s worth noting there are exceptions and additional criteria. For example, you’ll need to register as a Vehicle of Historic Interest (VHI) to receive MOT exemption.
Read the government’s guidelines before making a decision. There are summarised explanations online if you require a shorter read.
Is classic car insurance cheaper in the UK?
Generally speaking, yes it can be. Classic car owners are considered by insurance companies as more careful drivers who cherish their vehicles.
They are statistically less likely to make a claim due to the high level of care required to keep a vehicle of a certain age or calibre. A classic auto is likely to be driven less, not often at night and not used for commuting.
How do I get cheap classic car insurance?
Are you going through a restoration project? Do you take your automobile to Europe on long weekends? Find out which insurance companies or brokers can meet your needs and get quotes off all of them.
During this process, it’s always handy to write down all the pros and cons of each provider. For example, does the insurance company charge for agreed value. Also, did you enjoy your phone call?
Do you offer low mileage classic car insurance?
Yes, we do. Our mileages start from 1,500 on our classic car policies and 500 on our multi car policies.
Do you insure imported classic cars?
Yes, we do. We can even assist in arranging insurance when your vehicle arrives at a UK port. Cover is arranged using the chassis number in preparation for vehicle registration. Not many insurers do this, it’s a little secret we’re proud to spill.
Do you insure classic cars for weddings?
Yes, our sister company the Wedding Insurance Group are the leading provider of specialist wedding car insurance in the UK. You can get a quote here or call 0121 550 2380 - 9 am to 5 pm, Monday to Friday.
How do I get classic car insurance?
After you get a quote from us, you have the option to pay. Quotes last for 30 days. Once paid, your cover will begin on the date nominated by you.