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.

CLASSIC AMERICAN IMPORT CAR INSURANCE SPECIALISTS

With over 55 years experience in the specialist insurance industry, we’ve got you covered, and our focus is on getting you the cover you need, with all the protection you want. Our specialist American car insurance offers you benefits such as: 

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.

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, 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 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.

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.

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:

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 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.

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?

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. 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. Ask about our prestige package which combines some of the most popular optional extras for a saving.

Road Rescue

Get breakdown cover including misfuelling cover and European driving, provided by ALPS and their award-winning claims service.

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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