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Classic Car FAQs

Can I get Classic Car insurance cover immediately?

Yes, at Heritage once payment has been made your classic car insurance cover will be in place immediately.

What is the minimum age for a Heritage Classic Car Insurance policy?

Generally the minimum age is 25 for a Heritage Classic Car Insurance policy. We can offer quotations for drivers 21 and over, but this is dependent on the vehicle type.

What is the maximum age for a Heritage Classic Car insurance policy?

The maximum age for a Heritage Classic Car insurance policy for a new policyholder is 84 years. For existing clients there are no upper age limits.

Can I insure my car third part, fire and theft only?

With a classic car insurance policy this isn’t applicable and wouldn’t affect the price of your premium in any way.

I store my car at a professional facility, does this affect my insurance?

No, all you need to do is notify us of the garaging address. Dependent on the level of security Heritage may be able to offer a discount.

Do you offer discounts to Classic Car Club members?

Yes, Heritage can offer a 15% discount for classic car club members.

Does a Classic Car Insurance policy offer cover me for driving other vehicles?

No, generally you would already have this with your standard car insurance.

Theft Prevention and Vehicle Security

What theft prevention products can reduce my insurance premium?

This is usually the other way around. For insurance purposes we will outline a security requirement dependent on the vehicle and if the vehicle does not have these then we are unable to insure it. This is not applicable to all classic cars so it is best to call us for more information.

What does ‘Thatcham Approved’ mean?

You would see Thatcham Approved on safety, security and crash repair products that have been tested at the Thatcham Research Centre. Each product will be tested and given a grade, with Grade 1 being the highest. Heritage would recommend that, when looking for vehicle security you would look for ‘Thatcham Approved’ products.

What can I do to prevent my car being stolen?

There are a number of things you can do to prevent your car being stolen; to start with we would recommend locking your car. Another great option is to fit an immobiliser and use a visible deterrent such as crook lock. You can even fit a battery cut off switch.

What is a tracking device?

Generally this would be a GPS tracking device that can measure the position and movement of a person or vehicle. Many manufacturers are now fitting these on modern vehicles before they leave the factory, but for classic cars you can get a tracking device fitted. These can be useful if your car is stolen as it makes it easier to locate the car.

Are there any suppliers that Heritage recommends for tracking devices?

Tracking devices have become very popular and there is almost an endless list of suppliers, however we do recommend that before purchasing a tracking device you check that the product has been ‘Thatcham Approved’.

Drivers

My classic car is insured with Heritage, who can drive it?

If your classic car is insured with Heritage, any named drivers on the policy can drive it.

Do you insure under 21s?

Not at present. Generally the minimum age for a classic car insurance policy is 25, however as all our quotes are bespoke and a number of factors would affect your policy, we are able to insure 21 and over in some cases.

Can I add an additional driver on a short term basis; say to lend the car to a family member or friend?

Yes we can offer short term classic car insurance cover.

Could I save money on my classic car insurance by undertaking an advanced driving course?

As many of our premiums are cheaper than taking an advanced driving course to begin with, this is not necessary.

Excesses

What is an excess?

An excess is when the owner bears the first amount of any claim, this is usually agreed when choosing your policy but can be changes if needed. For example if your excess is £50 and your claim is £150 you would pay £50 and the insurer will pay £100. Usually it is possible to reduce your premium by increasing your excess.

What is voluntary excess?

This is the amount you choose to set as your excess which is in addition to compulsory excess. Is it sometimes possible to reduce your premium by increasing your excess.

What is the maximum excess?

There is no maximum excess, if you decide to go for a voluntary excess.If the excess is for damage, fire and theft be aware of your vehicle’s value. Windscreen excesses are separate.

My car has now been repaired and the garage has asked me to pay the policy excess – should I pay them?

If you have asked the garage to repair your car, then you would pay the garage your policy excess rather than your insurer. We advice keeping a record such as a receipt in these instances.

Cars

What is a Classic Car?

There isn’t a set description of what a classic car is when it comes to classic car insurance. Generally if your vehicle is your second car, you drive under 5,000 annual miles and your car is kept in a roadworthy condition (we can offer laid up cover if your’e currently restoring your classic) we can insure your car under a classic policy. However every quote is bespoke and not set to these limits so please give us a call to find out if we can insure you. We also offer modern classic insurance, if your vehicle isn’t quite ready to be considered a “classic”.

Is my car a classic?

There isn’t a set description of what a classic car is when it comes to classic car insurance. Generally if your vehicle is your second car, you carry out limited mileage (typically up to 5,000 annual miles) and you keep your car in roadworthy condition we can insure your car under our classic policy. We do find that vehicles over ten years old are insurable with us but each quote is bespoke so this isn’t the rule.

My car isn’t worth much, can I insure it with you?

We would generally say that unless your vehicle is less than £1,000 we would be able to insure it. If it is a restoration project then we can insure the vehicle on a laid up policy.

My car is very valuable, can I insure it with you?

Yes, we are very well renowned for our insurance policies with high value cars. We also find that most owners have multiple vehicles so why not click here to see how we can help you with our multi car insurance?

Is there a list of cars you can or cannot cover?

The simple answer is no. We are not limited to lists, it is dependent on the individual, the annual mileage and other factors which we run through whilst providing you with a bespoke quote.

My car isn’t finished yet, can I insure it whilst I’m restoring it?

Yes you can. We offer a laid up cover on unfinished vehicles. Your will be covered for fire, theft and damage whilst restoring your vehicle.

Do I need to insure my car before I drive it to the MoT centre for its first MoT after the restoration?

Yes, after your restoration you should insure your classic car before driving it to it’s first MoT.

What mileage can be covered on a classic car insurance policy?

There are various mileage options covered as part of the classic car insurance policy. These are: 1500 miles, 3000, 5000 and 7500 miles.

Using your classic car

What happens if I exceed my mileage limit?

We recommend that you contact us if you exceed your mileage limit as this may affect your policy.

With a Heritage Classic Car insurance policy, can I drive my car to and from a permanent place of work?

Yes, just ask for commuting at the quotation stage with us and we can talk you through the policy.

Am I covered if I use my car as wedding transport for a friend?

Yes you are covered if you wanted to use your car as wedding transport for a friend and there is no extra charge.

What is the difference between using my car as a wedding car for a friend and ‘hire and reward’?

You are already covered as part of your classic car insurance if you wanted to use your car as wedding transport for a friend and there is no extra charge. However, if you wanted to use your classic car for weddings and charge you would need to extend your policy to include Hire and Reward. You may find there is an increase in your premium.

Modifications

My car is modified, can Heritage still insure it?

Yes we can. We cater for a wider ranger of car and 4×4 modifications.

Which modifications will affect my premium?

Many modifications won’t affect your premium and there are no specific list of modifications that will. Your premium is generally affected when certain combinations of modifications are added, and as all our policies are individually tailored to you it’s best to speak to us and we’ll guide you through.

I have modified my car since I purchased my policy, what should I do?

You will need to notify us so just give us a call and we will guide you through the process.

Agreed valuations

What is an agreed valuation?

If your vehicle is a total loss, the pre-agreed value is the amount insurers will pay minus your policy excess. For example if your agreed valuation was £12,000 and your excess totalled £1,000, Heritage Classic Car Insurance would pay £11,000.

How is a classic car valuation calculated?

The value of your car is dependent on marker trends and desirability. Keep a check on auctions, price guides and speak to clubs if you’re a member of one. The value of your car is dependent on marker trends and desirability. Keep a check on auctions, price guides and speak to clubs if you’re a member of one. Please note that we are not valuers but we can provide a classic car valuation in house, free of charge and supply you with and agreed valuation certificate. Our staff can use their industry knowledge to provide you with an accurate value.

Where can I get my car valued for insurance purposes?

If you need an independent valuation you can ask a car club official, specialist dealer or restorer to name a few. If you need an independent valuation you can ask a car club official, specialist dealer or restorer to name a few.

How long does a classic car valuation last?

Although there is no set time period for how long a classic car valuation lasts, at Heritage we would recommend that owners keep an eye on values and if they feel the agreed valuation needs reassessing the should contact their insurer or car club for advice.

How does having my car valued affect my insurance premium?

If the value of your car has increased or decreased, this could have an affect on your premium. Contact your insurer to find out more.

No Claims Bonus

I have no claims discount on another vehicle can I use it on my classic car too?

No you don’t need to. The no claims discount is not applicable to classic car insurance policies and does not affect the price of your premium.

I have no claims discount from a company car. Can I use it on my Heritage policy?

No you don’t need to. The no claims discount is not applicable to a classic car insurance policy and will not affect the price of your premium.

I have no claims discount from another country. Can I user it on my Heritage policy?

No you don’t need to. The no claims discount is not applicable to a classic car insurance policy and will not affect the price of your premium.

Can I apply my no claims bonus to a classic car policy?

No you don’t need to. The no claims discount is not applicable to a classic car insurance policy and will not affect the price of your premium.

What do I need to send to prove my no claims bonus?

With classic car insurance you don’t need to prove your no claims bonus as this does not affect on your policy or premium. However with modern car insurance such as our Multi Car policies, all you would need is a letter from your insurer stating how many years you have on your no claims bonus.

Do I earn no claims bonus with Heritage Classic Car Insurance policy?

With classic car insurance the no claims bonus isn’t applicable, however if you required a modern car policy Heritage can send a letter confirming whether or not you have made a claim since taking out your classic car policy.

I have a Multi Car policy with Heritage will this earn no claims bonus?

With multi car policies, any modern cars insured will earn a no claims bonus; however the no claims bonus is not applicable to classic car insurance so, if your multi car policy only includes classic cars you would not need to earn a no claims discount.

I have a multi car policy with Heritage, which drivers will earn no claims bonus?

Whoever is the registered owner and main driver of the vehicle will earn a no claims bonus, this is only applicable to modern vehicles under the multi car policy; the no claims bonus is not applicable to classic car insurance and does not affect your premium.

What is the maximum no claims bonus that I can accrue?

Generally there isn’t a maximum no claims bonus you can accrue, however we recommend checking with your insurer as some do put a cap on the number of years you can accrue.

How do I protect my no claims bonus?

You can protect your no claims bonus by simply requesting this when you take out your policy or renew your insurance.

Breakdown Cover

When I buy breakdown cover as part of my classic car insurance policy, who provides it?

Inter Partner who are owned by Axa provide breakdown cover to Heritage Classic Car Insurance policy holders.

What does the included breakdown cover include?

Heritage breakdown cover includes:

  • Breakdown cover in the UK
  • Breakdown cover in Europe, with continental roadside assistance or recovery to a local garage, completion of journey and repatriation of the vehicle back to the UK

All of the above has the added benefit that you can contact the breakdown service 24 hours a day – 365 days a year with a 40 minutes average response time. 8 out of 10 vehicles are repaired at the roadside, and there 400 operators and 4200 recovery vehicles throughout the UK. For more information on the Heritage Breakdown Cover call 0121 248 9239

What number do I call if my car breaks down?

For assistance in the event of a breakdown please call 0800 783 4691. If you’re interested in taking out breakdown cove or would like more information call 0121 248 9239

What countries are included in European breakdown cover?

The European countries that you will receive breakdown cover in are: Andorra, Austria, Belgium, Bulgaria, Croatia, Denmark, Finland, France, Germany, Greece, Iceland, Italy, Liechtenstein, Luxembourg, Monaco, Netherlands, Norway, Portugal, Republic of Ireland, Romania, San Marino, Spain, Sweden, Switzerland, Estonia, Latvia, Lithuania, Poland, Czech Republic, Slovakia, Hungary, Slovenia, the Vatican City, Malta, the Republic of Cyprus, and other islands that belong to these countries and that are in Europe.

Track Days

Does my classic car insurance policy include track day insurance?

Most classic car providers do not include track day cover however most Heritage policies do (provided they are organised by or on behalf of their classic car club) at no extra cost and without prior notification.

Club organised sprints, hill climbs and average speed historic rallies are also covered.

Track days etc not organised through your car club can usually be covered at an extra charge.

Please note that cover for track use is accidental damage only and a higher excess may apply.

What is the difference between a track day and a club organised track day?

Insurers know that club track days are organised and marshaled, therefore the safety of the participants have been considered. Track days that have not been organised by clubs can be insured at an extra charge.

What is my excess when taking part in a track day?

The policy excess is usually increased by £1000 for these events.

If my car is damaged at a track day, what should I do?

For assistance in the event of a breakdown please call 0800 783 4691. If you’re interested in taking out breakdown cove or would like more information call 0121 248 9239

Does my classic car insurance policy cover me to drive on the Nurburgring?

Driving on the Nurburgring is not included in your classic car insurance policy as standard; however it may be possible to arrange this at an extra cost.

Payment

Can I pay for my classic car insurance on a monthly basis?

Yes, if the premium is above £300 you can pay for your classic car insurance on a monthly basis.

How can I pay for my classic car insurance?

You can pay for your classic car insurance using all major credit/debit cards except American Express, you can also pay over the phone, by cheque or BACS.

Is it safe to pay for my policy on the internet?

Yes, credit card details are not stored on site. Remember, when making any payments online look out for a small padlock symbol in the address bar (or elsewhere in your browser window) and a web address beginning with https:// (the s stands for ‘secure’).

If I sell my classic car and need to cancel the insurance, what refund am I entitled to?

If you need to cancel your insurance and you are still within 14 days you are only charge time on risk plus a £20 admin fee.

After that time dependant cancellation is dependent on the premium and the insurer terms.

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