American Classic Car


With over 55 years’ experience in the UK’s specialist insurance industry, our focus is getting you the right cover for your American classic with all the protection you want. As well as great prices, our specialist American car insurance offers you benefits such as: 

  • Limited mileage discounts
  • Free agreed value so you can protect the value of your classic American car
  • Salvage retention
  • EU cover so you can drive your American car in Europe
  • Optional extra cover such as motor legal and road rescue
  • A panel of specialist American and import insurers to choose from
  • Flexible multi car insurance with savings of up to 25%
  • 15% classic car club member discount


Simply fill in our short online form to get a classic American car insurance quote. Our team will give you a call back with your price in just a few minutes. 


There’s a huge range of classic American cars that are eligible for classic auto insurance with Heritageand it’s not all based on the age of the vehicle; use and mileage count too. We can arrange specialist American classic car insurance for all sorts of left-hand drive vehicles. Some of the most popular American imports include: 

  • Ford Mustang
  • Chevrolet Camaro
  • Dodge Charger
  • Ford Capri Mk I
  • Chevrolet Impala
  • Plymouth Barracuda
  • Ford Model B


Free agreed value

We don’t charge for agreed value on your classic American car. The value of your vehicle will be agreed and set into your American classic car insurance 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 specialist American car insurance policy means that you can keep the salvage in the event of a total loss – the salvage value will simply 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. 

European cover

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 in your American classic car insurance policy, across any number of trips. If you travel a lot, we can often extend this to up to 180 days.


Every American classic car has its own unique character and story. Similarly, each owner has distinct needs when it comes to insurance. 

Whether you need breakdown cover for those long road trips, or legal protection in the event of a claim, Heritage offers tailored options ready to be added to your policy. 

Road rescue

Our road rescue breakdown cover does exactly that – roadside assistance, and vehicle recovery across the UK and Europe for your American classic car. You can get cover for onward travel and overnight accommodation if needed. 

Motor legal

Motor legal cover provides up to £100,000 of cover for uninsured loss recovery, plus access to legal support and costs covered for pursuing a third party, or a personal injury claim.

Key protect

If the keys to your American classic are stolen, or lost, this covers the cost of having them replaced. And, it can also cover your house keys on the same policy, so the cost of calling out a locksmith is included. 


What is agreed value?

Agreed value means your vehicle’s valuation is agreed and fixed for the policy term by your insurer. If you had to make a claim on your American classic car insurance policy without this feature, the insurer would look at the current market rate of your car for guidance on the pay-out amount. This wouldn’t consider the car’s unique features, history, 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 when you take out your American classic auto insurance policy. If the car is worth over £30,000, we’ll need you to send some photographs prior to agreeing the valuation with your insurer. 

Can I insure a car before I buy it?

If you’ve got your eyes on an American classic, you can insure the car before you buy itbut you should ideally commit to making the purchase in writing, or pay a deposit. You can set insurance to start from the date you collect, or take delivery of, the vehicle. If you add breakdown cover, there is usually a 24-hour exclusion period right at the beginning of cover, during which you cannot make a claim. Something to keep in mind if you plan to drive your new American classic car home. 

Can I get laid up cover?

Yes, we offer cover for laid up vehicles and 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 covers your American classic for accidental damage, fire and theft. and can include free agreed value if the vehicle is functioning. It won’t cover your car for being parked or driven on the road, so it’s important to make sure you switch back to full cover as soon as you intend to take your vehicle out. 

How do I get an online quote for American classic car insurance?

It’s easy to get a classic American car insurance online quote with Heritage. Simply share a few details in our quote form, and a member of our team will call you back a few minutes later with your price.