SPECIALIST CAR INSURANCE FOR AMERICAN CLASSIC CARS

There’s a whole beautiful niche in the UK classic car scene for American classics, imported from our cousins across the pond. Classic Fords can be seen up and down the country – perhaps less frequently one might spot a gleaming Lincoln Sports Coupe, or a Chevy Camaro zipping by.

Whatever your taste in American classics and whether they’re left hand drive or converted for British roads, a classic American car can be covered in pretty much the same way as any other classic – and with great prices too. Benefit from:

  • limited mileage discounts
  • free agreed value
  • optional extra cover such as motor legal and road rescue
  • a panel of specialist insurers to suit
  • flexible multi car insurance with savings of up to 25%
  • 15% club member discount

GET AN AMERICAN CLASSIC CAR INSURANCE QUOTE

Want a quote? Let us know below and we’ll give you a call as soon as possible. If you prefer to call us, ring 0121 248 9229.

BENEFITS OF INSURING WITH HERITAGE

FREE AGREED VALUE

We don’t charge you for agreed value on your classic American car – 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

Having salvage retention written into your classic 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 as standard, across any number of trips. If you travel a lot, we can often extend this to up to 180 days.

WHAT AMERICAN CLASSIC CARS CAN YOU COVER?

There’s a huge range of classic American cars that are eligible for classic car insurance – it’s not all based on the age of the vehicle; use and mileage count too. We can arrange specialist car insurance for all sorts of American cars, including:

  • Sporty pony cars like the Ford Mustang and Chevrolet Camaro
  • Muscle cars like the Dodge Charger or Chevy Impala
  • Vintage American classics like the Plymouth Model Q and Ford Model B

If you’re not sure whether your classic American motor needs specifically classic car insurance, call us and we’ll let you know if you can get you a quote.

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 policy?

Yes – if your vehicle has a value under £30,000 we can agree the value with you at the point at which you take out the policy. If the car is worth over £30,000, we will require photographs prior to agreeing the valuation.

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. 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.

ADDITIONAL OPTIONS HERITAGE CAN PROVIDE

If you need breakdown cover, or want to protect against potential legal costs in the event 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.

Road Rescue

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

Replacement Courtesy Car

If you’re involved in a road traffic accident, we’ll arrange a courtesy car for you to get you back on the road.

Key Protect

If your key gets lost or stolen, Key Protect covers the cost of replacement and related expenses.

Excess Protect

Don't be left out of pocket after paying your motor insurance excess - choose from three cover limits.

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