Specialist insurance for classic and performance cars

SPECIALIST CAR COVER TAILORED TO YOU

Our specialist car insurance aims to deliver what you need, based on your classic or performance car and lifestyle. With limited mileage discounts, optional extra cover such as motor legal and road rescue, and a panel of specialist insurers to suit, we’re confident we can provide great cover with excellent service.

If you have more than one car, ask us about our competitive and flexible multi car cover, which lets you put daily drivers and classics on the same policy for a hassle-free insurance experience – plus savings of up to 25%.

Club member discounts apply – if you belong to a car club, be sure to let us know.

GET A SPECIALIST 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 ON CLASSICS

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

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.

NEED A QUOTE? WE'RE HERE TO HELP.

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

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.

“Even in these difficult times it was reassuring to have a friendly voice on the phone to sort my policy out. Top marks again for making a chore a pleasure.” – 5 stars, single vehicle insurance customer.

Top marks for making a chore a pleasure

“Excellent service. Could not be easier to renew my insurance policy. Would recommend to anyone.” – 5 stars, multi car customer

Could not be easier

“The lady who dealt with me was exceptionally helpful. Listening to all my requirements and responding to all my needs. Thank you” – 5 stars, multi car customer

Exceptionally Helpful

“30 years with the same insurer because they are the best all round. Thanks.” – 4 stars, single vehicle insurance customer

30 years with the same insurer

“Very helpful staff. I dealt with Faisal and Emmanuel. Please thank them from me.” – 5 stars, single vehicle insurance customer

Very helpful staff

“Spoke to 2 different staff and both very helpful, especially as they were both working from home due to the lockdown.” – 5 stars, multi car customer

Very helpful, especially as they were working from home

“Have been with Heritage for ten yrs, and I have always had good efficient service, at a realistic price. The staff are very polite and helpful, Will keep using them :-)” – 5 stars, single vehicle insurance customer