PROTECT YOUR CLASSIC AMERICAN CAR WITH SPECIALIST INSURANCE
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.
With our American classic car insurance, you can benefit from limited mileage discounts, free agreed value, 15% club member discount, alongside flexible multi car insurance with savings of up to 25%. Our insurance partners for American classic motors are imported car insurance specialists, so you can rest assured your American classic will be in good hands.
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 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.
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, 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.
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 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.
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:
- Ford Mustang
- Chevrolet Camaro
- Dodge Charger
- Ford Capri Mk I
- Chevrolet Impala
- Plymouth Barracuda
- Ford Model B
YOUR AMERICAN CLASSIC CAR INSURANCE QUESTIONS ANSWERED
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 on your American classic car insurance policy 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.
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.
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.
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. 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.
TAILOR YOUR COVER WITH ADDITIONAL OPTIONS
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.
Our road rescue breakdown cover does exactly that – roadside assistance, and vehicle recovery across the UK and Europe. You can get cover for onward travel and overnight accommodation if needed.
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.
If your car keys 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.