GREAT VALUE SPECIALIST CLASSIC CAR INSURANCE
We work to get you the best classic car insurance cover at the best price, and we use our experience and the fact that we’re independent as a broker to negotiate what you need from the insurer. As lovers of classic cars ourselves, we’ve also partnered with a range of related classic car products and services to give you the best options on your classic car.
Our customers’ requirements are our priority – so we aim to over cover options that are reliable and competitive for classic car owners. To do this, we’ve built strong relationships with specialist insurers so that we can offer you a range of solutions to meet your needs.
Our 55 years of experience as a classic car insurance broker have all gone into building the best possible range of bespoke, specialist cover options to make sure you get the protection your classic needs. To talk to our expert classic car insurance team, call us on 0121 248 9229 or send us a message below.
OUR CLASSIC CAR INSURANCE FEATURES:
- Free Agreed Value
Protect the value of your classic car with free agreed value.
- Up to 90 days European Cover
Taking your classic car through Europe? We offer European driving cover for your adventures.
- Salvage retention
Keep the salvage of your classic if it’s written off.
- Limited mileage discounts
The fewer miles you drive, the bigger the savings.
- Cover for modifications
Classic cars need a few upgrades over their lifetime; we completely understand and we’re happy to cover these.
- Club member and other discounts
Save up to 15% if you’re a member of a classic car club, the Military Vehicle Trust, Green Lane Association, or an NHS staff member.
- No claims bonus
With some of our classic car policies you can get a no claims bonus.
CLASSIC CAR BREAKDOWN COVER
We offer great breakdown cover under our Heritage Road Rescue scheme, which is provided by ALPS and their award-winning claims service. Breakdown for single classic car or our specialist multi car policy provides roadside assistance, nationwide recovery, misfuelling cover and even covers you in Europe. Our multi car breakdown cover also gives you Homestart, getting your vehicle up and running if it breaks down at home.
WHAT IS A CLASSIC CAR?
There’s no hard and fast definition for a classic car, although vehicle age often comes into it. Most classic enthusiasts will agree that a classic car will usually be 20 years old or older, but rarity, special editions, performance cars etc can also fit the ‘modern classic’ criteria for insurance purposes.
Broadly speaking, a classic car is usually a car that isn’t widely available to purchase new, will be cherished and will cover limited miles, whilst not being used as an everyday vehicle.
Classic car insurance is typically available to drivers aged 25 and over.
JUST SOME OF THE CLASSICS WE COVER:
We cover a wide range of classic cars, from British-built to imports, kit cars to vintage motors. We can also provide comprehensive performance car insurance, and cover for modern classics.
We’ve listed below just some of the most common and popular classic car brands that we can cover.
Frequently asked questions about classic car insurance
Can I get Classic Car insurance cover immediately?
How old do I need to be to take out a Classic Car insurance policy?
The maximum age for a Heritage Classic Car insurance policy for a new policyholder is 79 years. For existing clients there are no upper age limits.
Can I insure my car for third party, fire and theft only?
What is an excess?
Your level of excess is usually agreed when you arrange your policy, though it can be changed if needed. An excess is standard on most policies.
It is sometimes possible to reduce your premium by increasing your excess; this is known as voluntary excess and would be in addition to the compulsory excess already set on the policy.
Does a classic car insurance policy cover me for driving other cars?
Our Multi Car insurance does cover you to drive other cars but only if you are over 25 and your everyday cars are on cover with Heritage Insurance Services. The other car you wish to drive must be insured in its own right, not owned by the policyholder, and for emergency use only.
Is there a list of cars you can or cannot cover?
Do you offer discounts to Classic Car Club members?
My car isn’t finished yet; can I insure it while I’m restoring it?
Do I need to insure my car before I drive it to the garage for its first MOT after restoration?
ADDITIONAL OPTIONS HERITAGE INSURANCE CAN PROVIDE
Looking to add motor legal or personal accident cover to your policy? We offer a wide range of valuable extra cover options at competitive prices. Choose the cover that suits your needs, or pick our package option, which can combine some of our most popular optional extras for an even better price.
From road rescue and a hire car to get you out of a breakdown fix, to key protect in case your key gets lost or stolen, these are the little things that make a big difference.
“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
“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