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 classic insurance 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.


  • 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.


Want a quote? Let us know below and one of our friendly team will give you a call to discuss your cover needs. You can also email us or call our friendly team on 0121 248 9229.


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.


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.


We can cover a wide range of classic cars with our classic vehicle insurance, 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. If you don’t see your motor below though, don’t panic – this isn’t an exhaustive list!


Can I get classic car insurance cover immediately?

Yes. Once payment has been made for your classic car insurance with Heritage, cover will be in place immediately.

How can I get cheap classic car insurance?

Typically, classic car insurance tends to be cheaper than standard car insurance anyway. This is because specialist vehicles are driven less, do less mileage, and are usually carefully looked after by their owners – all of which is reflected in the rates set by insurers. Of course, some rare or performance cars may be a bit more expensive to insure, but again, with limited mileage you’re going to see some savings.

How old do I need to be to take out a classic car insurance policy?

The minimum age is 25 for a classic car insurance policy through Heritage. In some circumstances we may be able provide cover for drivers 21 and over, subject to strict terms and conditions.

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?

This level of cover is not available on Classic Car insurance.

What is an excess?

An excess is the amount of the claim that the policyholder is responsible for paying. For example, if your excess is £50 and your claim is £150 you would pay £50 and the insurer will pay £100.

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?

No, generally you would already have this with your standard car insurance. If you are unsure, check your Certificate of Motor Insurance for the ‘Driving Other Cars’ wording.

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?

The simple answer is no. We are not limited to lists; what our policies can cover is dependent on the individual, the annual mileage and other factors which we run through whilst providing you with a bespoke quote.

Do you offer discounts to Classic Car Club members?

Yes, we can offer a 15% discount for classic car club members. Just let us know which club you’re a member of when you request your quote.

My car isn’t finished yet; can I insure it while I’m restoring it?

Yes, a policy is available for your restoration project. Providing the car is garaged we can insure it on a ‘laid up’ basis, which covers your car for accidental damage, fire and theft.

Do I need to insure my car before I drive it to the garage for its first MOT after restoration?

Yes, you must insure your classic car before driving it, even to its first MOT.


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.

Road Rescue

Our road rescue cover will rescue you and your vehicle if you breakdown.

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.

Heritage Motor Legal

Get cover of up to £100,000 for any legal costs involved in claiming against an uninsured driver, injury compensation claims and recovering uninsured losses.

Excess Protect

Don't be left out of pocket after paying your motor insurance excess - choose from three cover limits.

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