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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?

The minimum age is 25 for a Heritage Classic Car Insurance policy. We may be able provide cover for drivers 21 and over, but this will be subject to strict terms and conditions.

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?

This level of cover is not available on Classic Car insurance.

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

No, all you need to do is notify us of the storage address.

Do you offer discounts to Classic Car Club members?

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

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 however does cover you to drive other cars but only if you over 25 and your everyday cars are on cover with Heritage Insurance Services. The other car you wish to drive must be insured in its own right, not owned by the policyholder and for emergency use only.

Theft Prevention and Vehicle Security

What theft prevention products can reduce my insurance premium?

For insurance purposes we would outline any security requirements dependent on the vehicle. If the vehicle does not have adequate security, 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 so there is a lot to choose from. We do recommend that before purchasing a tracking device you check the product has been ‘Thatcham Approved’.

As a Heritage Classic Car insurance customer you can claim a FREE Skytag tracker. Click here to learn more.

Drivers

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

If your classic car is insured with Heritage you are able to choose who you would like to include as named drivers.

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 cover for temporary additional drivers.

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 policyholder is responsible for the first amount of any claim. For example if your excess is £50 and your claim is £150 you would pay £50 and the insurer will pay £100. Your level of access is usually agreed when you arrange your policy, though it can be changed if needed.

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 if you decide to opt for a voluntary excess. The excess is for damage, fire and theft claims and 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 excess to the garage. Make sure you get a receipt for the payment as insurers will want to see proof of payment in the event you need to reclaim your excess.

Cars

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

Yes, We work with the industry’s leading insurers, so there is no upper limit on the value of vehicle we can insure up to. We do find that most owners have multiple vehicles so why not click here to see how we can help you with our multi car insurance?

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, a policy is available for your restoration project. Providing the car is garaged we can cover it on a ‘laid up’ basis, which is for accidental damage, fire and theft.

Do I Need To Insure My Car Before I Drive It To The MOT Centre For Its First MOT After The Restoration?

Yes, you must insure your classic car before driving it, even to its 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’?

Hire & Reward is a class of insurance use which allows you to legally carry passengers in return for a payment.

Modifications

My car is modified, can Heritage still insure it?

Yes we can. We cater for a wide range 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 of any modifications to your car(s). If you 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 Agreed Valuation is the amount an insurer will pay minus your policy excess. For example if your Agreed Valuation was £12,000 and your excess totalled £1,000, your insurer would pay £11,000.

How is a classic car valuation calculated?

The value of your car is dependent on market trends and desirability. Keep a check on auctions, price guides and speak to clubs if you’re a member of one. Please note that Heritage are not valuers but we can provide a classic car valuation, free of charge and issue you an Agreed Valuation certificate.

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.

How long does a classic car valuation last?

There is no set period for how long your Agreed Valuation remains valid, however at Heritage we will normally review every two years. We also recommend that you keep an eye on market values. If you feel the Agreed Valuation needs reassessing you should contact you insurer or relevant 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.

No Claims Bonus

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

No. Your NCD is not applicable to any classic car insurance policy. However, any NCD can be applied to your non-classic cars covered by our Heritage Multi Car policy.

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

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 NCD.

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

With Heritage Multi Car policies, any modern cars insured will earn a NCD whereas any classic car on your policy will not. For example, if your multi car policy only includes classic cars you would not earn any NCD for them.

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?

The breakdown cover you buy from Heritage is provided by Auto Legal Protection Services Limited (ALPS) and is called Road Rescue Classic Car (RRCC) for single classic car policies and Road Rescue Multi Car (RRMC) for Multi Car policies.

What does the included breakdown cover include?

Our 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 0333 333 9711. Please note that you may incur a charge if you use a mobile phone. If you are outside the UK please call +44 (0) 1444 442044.
Text messaging is available for use by deaf, hard of hearing or speech-impaired customers. Please text the word “Breakdown” to +44 (0) 7786 202671.
Please ensure you should have the following information available:

  • The Vehicle’s registration number.
  • Your name, home postcode and contact details.
  • Your policy number.
  • The make, model and colour of the Vehicle.
  • The location of the Vehicle.
  • An idea of what the problem is.
  • SOS Box number (on UK motorways)

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?

No, your policy does not include track day insurance.

It is possible to buy track day insurance with each case treated individually and subject to underwriting criteria. Contact us for a tailored quote.

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

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

Because of the risk involved you should expect any excess on your policy to be substantially increased.

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

For assistance in the event of a breakdown please call 0333 333 9711. Should you be involved in an accident on a track day, and you have a claim management policy through MAPS, please call 0330 333 4566.

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. You will need to contact a specialist insurance provider.

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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