FOR A BESPOKE QUOTE ON YOUR CLASSIC CAR, CALL US ON 0121 248 9229
SPECIALIST INSURANCE FOR YOUR CLASSIC CAR
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 insurance, 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
We know how important it is to keep your classic car safe, with insurance protection that you can trust. With your Heritage classic car policy, you’ll receive a range of benefits, including:
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.
Retain the salvage of your vehicle for repair or parts if it gets written off. With salvage retention written into your specialist car insurance policy you can keep the salvage in the event of a total loss, provided your car isn’t deemed ‘end of life’.
European driving cover
With your Heritage classic car policy, you’ll be allowed up to 90 days of travel in Europe as standard, across any number of trips. This can also be extended up to 180 days according to your needs.
Multi car cover
Our flexible multi car cover allows you to put your classic and performance cars on one policy, with one renewal date and one premium. You could also save up to 25% on your premium cost, 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
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 motor legal
Protect yourself against legal difficulties you might have due to an incident on the road. You’ll have cover of up to £100,000 for any legal costs involved in claiming against an uninsured driver, as well as injury compensation claims and recovering uninsured losses.
Our road rescue cover will rescue you and your vehicle if you breakdown or your vehicle can’t be driven. This policy provides UK roadside repair and national recovery, including alternative transport and overnight accommodation if needed. You also get key assist in the event of lost keys or lock failure.
Personal accident cover
Our personal accident cover provides cover for up to £50,000 for bodily injury or death for you and your spouse, common law or civil partner. The policy covers you whilst either of you are driving your insured vehicle, or whilst you are a passenger in another vehicle.
YOUR QUESTIONS ANSWERED
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.
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.
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.
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.