CLASSIC CAR INSURANCE
Your classic car is special. Protecting it is our priority.
We offer affordable classic car insurance cover that’s reliable, competitive and tailored to the needs of your vintage vehicle. With 60 years’ experience as a classic car insurance broker, your classic is in safe hands with Heritage.
The beauty of working with a classic car insurance broker, is we tailor a personalised policy to cover every need of your vehicle, then liaise with our panel of specialist insurers to make it happen. Nothing is left to chance, your classic vehicle is given the level of detailed care it deserves, every step of the way.
GET A CLASSIC CAR INSURANCE QUOTE
Just fill in a few details and our friendly, UK-based team will give you a call back with your price in a few minutes.
You can also email us or call us on 0121 248 9229 for a bespoke quote.
WHAT’S COVERED WITH OUR CLASSIC CAR INSURANCE?
As an independent, expert broker we’ll negotiate with our trusted UK partners to get you the best classic car insurance for your needs. With Heritage Classic Car Insurance, your comprehensive cover for a classic or vintage car will include:
Free Agreed Value
Protect the true value of your classic car.
European cover
Up to 90 days cover as standard.
Modifications welcome
For cosmetic changes or mechanical upgrades.
Salvage retention
In case your classic car is written-off.
Club member discounts
A 15% discount for members of car clubs.
SPECIALISTS IN CLASSIC CAR INSURANCE
From timeless vintage vehicles to the more modern classics, our passion for these specialist cars spans over half a century of dedicated insurance expertise. When you choose Heritage, you’ll enjoy benefits such as:
- Personal service: We’re proud to be family-owned.
- Up to 15% discount: Exclusively for classic car club members.
- Limited mileage discounts: The fewer miles you drive, the more you’ll save.
- Tailored optional extras: Sometimes you need more than a standard policy.
If you’re concerned about breakdowns, losing your keys or the cost of legal support in the event of a road traffic accident claim against you, our extra cover choices may be right for you.
WHEN DOES A CAR BECOME A CLASSIC?
There are no hard and fast rules for what defines a classic car – although age requirements often come into classic car insurance criteria.
Most classic car auto insurance companies and enthusiasts agree that a classic will usually be an old car, at least 20 years old. But other cars, including rarities, special editions and performance cars, can also fit the ‘modern classic’ criteria for car insurance purposes.
Broadly speaking, a classic is typically a car that:
- was built before 2000
- isn’t widely available to purchase new
- is cherished
- has limited mileage on the clock
- isn’t being used as an everyday vehicle
- as some appeal as a collectible
Are you unsure if your vehicle falls into the criteria? Don’t worry, simply get in touch with us by calling 0121 248 9229 or fill in the contact form.
What’s the difference between classic car insurance and standard car insurance?
Classic car insurance is designed for older cars that are used less frequently and driven occasionally for pleasure. Classic car insurance policies tend to be more affordable, partly because these vehicles cover fewer miles (up to 5,000 annually) and are looked after with extra care by their owners. This means you’ll often get a lower premium due to the limited usage.
Standard car insurance covers everyday vehicles (around 12,000 miles annually) which are used for activities like commuting, as well as pleasure.
Another key difference is agreed valuation. By insuring your classic car with Heritage, your vehicle’s value is agreed upon in the event of a claim. Whereas with standard car insurance you’ll only be covered for the current market value.
How much does classic car insurance cost?
Insuring a classic car is cheaper than insuring an everyday vehicle. The average cost of our classic car insurance is £123*, and premiums can start as low as £108.
The exact cost of classic car insurance depends on various factors including the vehicle’s make, model, age, value and annual mileage, in addition to your overall risk profile, location and driving history.
Please note that classic car insurance premiums will vary based on individual circumstances.
*Premium assumes somebody insures a single classic car with us, excluding add ons.
FOR OLDER CLASSICS
DO I NEED VINTAGE CAR INSURANCE?
You will need vintage car insurance if you’re the owner of a vintage car. Any vehicle manufactured between 1919 and 1930 may be classified as a vintage car, according to major car clubs. The parameters can vary, but whenever your car was built, we’ll do our best to build you the bespoke policy it needs. When your car is a piece of living motor history, you’ll want to protect it with specific vintage car insurance that takes the true value of your car into account.
With over 55 years’ experience offering vintage car insurance in the UK, we have access to a wide panel of antique and vintage car insurance providers to provide the best deals on the market. We provide vintage vehicle insurance on a wide range of car makes, from British-built to imports. Whether you own an Austin 7 or a Ford Model A, we can get you exclusive vintage car insurance quotes at competitive prices and with great additional options to suit your needs.
Vintage car values can change quickly based on market demand, so it’s important to make sure your agreed value is regularly reviewed. We can offer free agreed valuation, or you can have your car valued independently. Having a specialist policy for a vintage car is vital if you want to protect it for what it’s worth. You can also take advantage of discounted premiums with limited mileage discounts, and you’re covered if you want to exhibit your vintage vehicle at shows.
JUST SOME OF THE CLASSIC CARS WE COVER
From UK-built to imports, kit cars to vintage motors, we can insure a range of classic vehicles. Some of the most common and popular classic car brands we can cover can be found below.
If you don’t see your cherished motor, don’t panic – this isn’t an exhaustive list. And, with some classic cars falling into insurance group 1, your premiums could work out lower than you might expect. Just give us a call to discuss your specific requirements on 0121 248 9229.
Need car insurance for a modern classic, classic bike, or classic camper? We can also help with that.
THE HERITAGE CUSTOMER STORIES PROJECT
Our customers know what it really means to be a classic car owner – the connection, legacy and passion. We’re thrilled to share a series of customer stories, with unique illustrations of their classics by automotive artist and Heritage partner Ian Cook.
CLASSIC CAR INSURANCE FAQS
How does classic car insurance work?
With a classic car insurance broker like Heritage, we look at your exact insurance needs and find personalised cover that best suits your classic vehicle.
Our in-house underwriting team will review your classic car cover requirements and then liaise with our panel of specialist insurers to find the best fit for you.
Is classic car insurance cheaper?
Typically, classic car insurance tends to be cheaper than standard car insurance. This is because specialist vehicles are driven less, do less mileage, and are usually carefully looked after by their owners – all of which is reflected in the rates set by insurers. At Heritage, we strive to offer the best value classic car insurance for our customers. Of course, some rare or performance cars may be a bit more expensive to insure, but again, with limited mileage you’re going to see some savings.
How old do I need to be to take out a classic car insurance policy?
The minimum age is 25 for a classic insurance policy through Heritage. In some circumstances we may be able to provide cover for drivers 21 and over, subject to strict terms and conditions. The maximum age for new policyholders getting classic car insurance with Heritage is 79 years; for existing clients there are no upper age limits.
How many miles can you drive with classic car insurance?
While the annual mileage limit for classic car insurance is generally 5,000 miles, we can extend this to 7,500 in special circumstances.
It’s worth noting that the classic vehicle you’re using shouldn’t be used as an everyday vehicle. There are also low mileage discounts available with many of our policies, which we can discuss with you in more detail during your quote process.
What is the difference between vintage and classic cars?
Although there isn’t a set definition for both vintage and classic cars, a classic car is typically a car that is 15-20 years of age or older, and desirable as a collectible. Vintage cars are vehicles that were manufactured between 1919 and 1930, although the timeframes can vary. The common denominator is that they both have timeless designs and are owned as cherished vehicles.
Does a classic car insurance policy cover me for driving other cars?
No, generally you would already have this with your standard car insurance. If you are unsure, check your Certificate of Motor Insurance for the ‘Driving Other Cars’ wording.
Our multi car insurance does cover you to drive other cars, but only if you are over 25 and your everyday cars are on cover with Heritage Insurance Brokers. The other car you wish to drive must be insured in its own right, not owned by the policyholder, and for emergency use only.
Do you offer a discount to classic car club members?
Yes, we can offer a 15% discount for classic car club members, as well as members of the Military Vehicle Trust and Green Lane Association, plus to NHS staff. Just let us know which club you’re a member of when you request your quote.
My car isn’t finished yet; can I insure it while I’m restoring it?
Yes, a policy is available for your restoration project. Providing the car is garaged we can insure it on a ‘laid up’ basis, which covers your car for accidental damage, fire and theft. Remember to change this to standard insurance before driving your classic car to its first MOT after restoration, if an MOT is needed.
I have no garage to store my vehicle in; can I still get classic car insurance?
No garage doesn’t mean no classic car insurance; we may still be able to offer you cover. Just get in touch to discuss your situation and we’ll be happy to talk you through your options.
What cars are eligible for vintage car insurance?
If your car was manufactured between 1919 and 1930, your car is most likely vintage. If you’re unsure as to whether your car is eligible for vintage car insurance, you can get in touch with us. If your car isn’t eligible for vintage car insurance, don’t worry – we can still cover it! We offer many other types of specialist vehicle insurance to suit your needs, including classic car insurance and multi car insurance.
Can I get vintage car insurance immediately?
Yes. Once payment has been arranged for your vintage auto insurance, cover will be in place immediately.