Specialist insurance for your classic car

COVER DESIGNED FOR CLASSICS

Our classic car insurance aims to deliver what you need, based on your classic car and lifestyle. With limited mileage discounts, optional extra cover such as motor legal and road rescue, and a panel of specialist insurers to suit, we’re confident we can provide great cover with excellent service.

If you have more than one car, ask us about our competitive and flexible multi car cover, which lets you put daily drivers and classics on the same policy for a hassle-free insurance experience – plus savings of up to 25%.

Club member discounts apply – if you belong to a classic car club, be sure to let us know.

BENEFITS OF INSURING WITH HERITAGE

FREE AGREED VALUE

We don’t charge you for agreed value – you can have the value of your vehicle agreed and set into your policy, providing peace of mind that in the event of a total loss claim, you know exactly what you’ll be paid.

SALVAGE RETENTION

Keep the salvage of your car for repair or parts in the event of a total loss, provided the car is not deemed ‘end of life’.

EXTENDABLE EUROPEAN COVER

Up to 90 days of travel in Europe as standard, across any number of trips. This can be extended up to 180 days according to your needs.

FLEXIBLE MULTI CAR INSURANCE

Our flexible multi car cover allows you to put your classic and performance cars on one policy alongside your daily drives and any other vehicles you own. It simplifies your car insurance experience and offers savings of up to 25%, with no limit on the number of vehicles you can include.

COVER CAN ALSO INCLUDE:

European breakdown cover and home start
Glass cover
Replacement locks cover
Audio and sat nav equipment cover

YOUR QUESTIONS ANSWERED

What is agreed value?

Agreed value means that the insurer has agreed a valuation for your vehicle and this is fixed for the policy term. If you had to make a claim and you didn’t have agreed value, the insurer would look at the market rate for replacement of your car at the time of the claim for guidance on the pay-out amount. This wouldn’t take into account any unique features or the history of the vehicle, or its value when you first insured it.

Can I get agreed value from the start of my classic car insurance policy?

You can insure a car before you buy it, but you ideally should have at least committed in writing to make the purchase, or paid a deposit. You can set insurance to start from the date you collect or take delivery of the vehicle.

Can I insure a classic car before I buy it?

You can insure a car before you buy it, but you ideally should have at least committed in writing to make the purchase, or paid a deposit. You can set insurance to start from the date you collect or take delivery of the vehicle. If you take out breakdown cover, there is usually a 24-hour exclusion period right at the beginning of cover, during which you cannot make a claim.

Can I get laid up cover?

Yes, we offer cover for laid up vehicles / classics that are SORNed. You can switch your cover from laid-up to road cover once your car is ready to be driven again. Laid up cover can include free agreed value, if the vehicle is complete, and covers your classic for accidental damage, fire and theft.

REQUEST A QUOTE

ADDITIONAL OPTIONS HERITAGE CAN PROVIDE

If you need breakdown cover, or want motor legal insurance in case of a claim, we offer a range of helpful options for you to add to your policy if you so wish. Ask about our prestige package which combines some of the most popular optional extras for a saving.

Heritage Legal

Get covered for any legal costs involved in claiming any Uninsured Loss Recovery, up to the value of £100,000.

Personal Accident Cover

Cover you and your partner for up to £50,000 for bodily injury or death while driving or as a passenger.

Road Rescue

Get breakdown cover including misfuelling cover and European driving, provided by ALPS and their award-winning claims service.

Heritage Home Emergency

Help for home emergencies when you need it most: covering boiler breakdown, security issues, loss of power and more.

“Even in these difficult times it was reassuring to have a friendly voice on the phone to sort my policy out. Top marks again for making a chore a pleasure.” – 5 stars, single vehicle insurance customer.

Top marks for making a chore a pleasure

“Excellent service. Could not be easier to renew my insurance policy. Would recommend to anyone.” – 5 stars, multi car customer

Could not be easier

“The lady who dealt with me was exceptionally helpful. Listening to all my requirements and responding to all my needs. Thank you” – 5 stars, multi car customer

Exceptionally Helpful

“30 years with the same insurer because they are the best all round. Thanks.” – 4 stars, single vehicle insurance customer

30 years with the same insurer

“Very helpful staff. I dealt with Faisal and Emmanuel. Please thank them from me.” – 5 stars, single vehicle insurance customer

Very helpful staff

“Spoke to 2 different staff and both very helpful, especially as they were both working from home due to the lockdown.” – 5 stars, multi car customer

Very helpful, especially as they were working from home

“Have been with Heritage for ten yrs, and I have always had good efficient service, at a realistic price. The staff are very polite and helpful, Will keep using them :-)” – 5 stars, single vehicle insurance customer

SPECIALIST INSURANCE FOR YOUR CLASSIC CAR