We’ve been providing classic car insurance for over 50 years – but our policies aren’t old-fashioned. We work to get you the best 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. 

To talk to our expert classic car insurance team, call us on 0121 248 9229 or visit our contact us page.


  • 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 EU cover for your adventures.
  • Option to retain salvage
    Keep the salvage of your classic if the worst happens.
  • 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 discounts
    Save up to 15% if you’re a member of a classic car club.
  • 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 we’ll give you a call as soon as possible. If you prefer to call us, ring 0121 248 9229.


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.

What is the minimum age for a Heritage Classic Car Insurance policy?

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

What is the maximum age for a Heritage 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?

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.


We offer add-ons at competitive prices. You can pick whichever ones suit your needs, or choose our package option, which combines the most popular add-ons 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.

Heritage road rescue cover
Road Rescue

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

Replacement courtesy car
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 legal cover
Heritage Legal

Get covered for any legal costs involved in claiming any Uninsured Loss Recovery, up to the value of £100,000.

Excess protect
Excess Protect

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

customer reviews