Classic car insurance
Specialist vehicle cover built around what makes your classic special to you.
Your classic car deserves specialist insurance
You’ve invested time, money and heart into your classic car.
It might be a weekend project that’s taken years to perfect, a pristine example you’ve lovingly maintained, or a family heirloom with stories to tell.
Standard car insurance doesn’t take your special relationship with your classic into account. Instead, you need specialist classic car insurance that recognises your vehicle’s true value, rewards your careful ownership and provides cover that makes sense, like agreed value, limited mileage and discounts for owners’ club members who share your passion.
How our classic car insurance works
We start by having a proper conversation about you and your classic car, so you can tell us about its history, condition and how you use it. This insight helps us build cover that fits perfectly, rather than steering you towards a one-size-fits-all policy. We protect vehicles from 1900s icons right through to modern classics that are just beginning their journey into collectability. Our policies include agreed value, meaning you’ll always know exactly what your car is insured for, protecting it without any nasty surprises should the worst happen.
If you use your classic only for sunny Sunday drives and shows, our limited mileage options can significantly reduce your premium. If you own several classics, we’ll create a multi-vehicle policy that covers your entire collection, including your everyday drives or work vehicles.
We understand that classics are often works in progress, so we can provide cover during the restoration process. We can also cover your vehicle for attending shows and non-competitive rallies, and even for those European road trips you’ve been planning.
Why you need specialist classic car insurance
Regular car insurance wasn’t designed for classics. It’s built for everyday motors that get replaced every few years. Your classic is different.
It needs specialist cover that recognises its true worth, whether it’s a rare variant gaining in value, a well-worn (but well-loved) model that’s been in the family for years, or a restoration project you’ve invested hours in perfecting. Classic car owners are typically lower risk. You drive more carefully, maintain your vehicle meticulously and store it securely. Your premiums should reflect this.
When you insure with us, you’ll work with people who understand that agreed value is important to you, that originality affects worth, and that you need the freedom to choose repairers who won’t just make your car roadworthy, they’ll do things the right way.
Why choose Abbeyfields for your classic car insurance?
With over 35 years of specialising in classic vehicle insurance, we’ve built our reputation on understanding what you need. Our team aren’t just insurance brokers. They’re enthusiasts like you, who get excited about your classic car or restoration project. Here are some of the benefits of working with us:
Real specialists
You’ll speak directly with people who know the difference between a GT6 and a GT3, not a call centre reading from a script.
Competitive rates
Our strong relationships with leading specialist insurers mean we can offer prices that reflect the lower risk profile of classic owners.
Owners’ club discounts
If you’re a member of a classic car club, we can often arrange additional savings on your premium.
Flexible cover
We can adapt your policy to your needs, whether you’re protecting a single classic or a whole fleet, a daily drive or a weekend toy.
Claims support
If you need to make a claim, we’ll guide you through the process, provide the right contact numbers, and can chase things up on your behalf to reduce your stress.
Long-term relationships
Many customers have been with us for years, trusting us with their growing collections year after year.
Frequently asked questions
Check out our FAQs below. If you still can’t find what you’re looking for, get in touch. We’ll be happy to help.
What does your classic car insurance include?
Our classic car insurance offers many features and benefits, including:
- Limited mileage and enthusiast/owners’ club discounts
- Free agreed value cover
- Dedicated account manager
- Motor legal expenses (up to £100,000)
- 90 days European cover included as standard
- Breakdown and accident recovery
- Laid up and SORN cover
- Limited mileage and enthusiast/owners’ club discounts
All our classic car policies are provided by the UK’s leading specialist insurers.
What age qualifies as a classic car?
This is a grey area that’s open to interpretation, so there’s no straightforward answer.
When we issue quotes for classic car insurance, we look at the vehicle’s date of manufacture, value and mileage. Its history, desirability and the nostalgia associated with it can also have an influence.
We look at each car individually rather than applying rigid rules. Generally speaking, if the car is enthusiast-owned, used as a hobby vehicle rather than a daily drive, and is maintained to a higher standard than typical cars of that age, then it could be considered a classic.
However, if you’re unsure, just give us a call.
We’d love to hear about your vehicle and explore how we can help you protect it.
We can insure a wide range of cosmetic and performance modifications, such as replacement or remapped engines, carburettor or exhaust upgrades, suspension lowering and body kits. Just tell us about any changes, and we’ll make sure your cover reflects your car. We can also provide insurance cover for custom hot rods and American classic cars.
Technically, no. We can include occasional commuting within your policy if required, and offer various mileage options to match how you use your classic. However, if your classic is your daily drive, we can arrange the most appropriate cover. Just give us a call to discuss your needs.
Absolutely. We provide competitive rates for collections and can often arrange a single policy covering all your vehicles, including your classic(s), everyday cars and work vehicles. To keep things simple and cost-effective, we can also combine all your renewal dates and add them to the policy when they’re due to expire, to keep all your vehicles on one policy with a single renewal date.
We offer SORN cover for vehicles being restored or stored. This protects against fire, theft and damage while keeping your costs down during periods when your classic is not in use or undergoing restoration.
Get your classic car insurance quote today
Protecting your classic car should be straightforward.
One phone call to our specialists on 0121 655 3420 is all it takes.
We’re here Monday to Friday, 9am to 5pm, ready to discuss your classic without any pressure or pushy sales tactics. We’ll ask the right questions, explain your options and help you find cover that lets you enjoy your classic with complete confidence. Prefer to start online? You can also request a quote through our website.
