CLASSIC & SUPERCAR INSURANCE SPECIALISTS

We offer comprehensive and tailored cover for supercars and classics across a wide spectrum, from modern limited-edition performance cars straight off the line, to the well-preserved classics of previous decades. We can even cover electrified classics.

Our prestige car insurance aims to deliver what you need, based on your 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 belong to a car club, be sure to let us know as members of registered clubs can get a 15% discount on their premium.

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. Please note, agreed value is designed for classic vehicles and if you have a modern specialist vehicle or supercar, this may not be available on your policy.

SALVAGE RETENTION

Retain the salvage of your vehicle for repair or parts if it gets written off. Having salvage retention written into your specialist car insurance policy means that you can keep the salvage in the event of a total loss, and the salvage value will be deducted from the insurance payment due to you. Salvage retention is subject to certain conditions – if the car is deemed ‘end of life’, you may not be able to buy it back.

90 DAYS EUROPEAN COVER AS STANDARD

If you like to take your classic to the continent, you’ll be pleased to know Heritage can cover you for up to 90 days of travel in Europe, across any number of trips. This can be extended 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 classic vehicle and this is fixed for the policy term. Without agreed value and in the event of a claim, 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. Agreed value protects your investment at a set rate rather than a potentially fluctuating market value – but you can get your agreed value updated mid-term if there is reason to do so. Agreed value is typically only available on classic vehicles, not modern supercars.

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

Absolutely, you can get agreed value from the beginning of your classic car insurance policy. For vehicles worth over £30,000 we will require photographs prior to agreeing the valuation; if you are able to provide these in advance of your policy start date then it is usually possible to have your value set at the outset of cover.

Can I insure a 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.

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.

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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

Our road rescue cover will rescue you and your vehicle if you breakdown.

Heritage Home Emergency

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

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