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GREAT VALUE SPECIALIST CLASSIC CAR INSURANCE FROM £73 A YEAR

As lovers of classic cars ourselves, we’re proud to offer affordable classic car insurance services. With over 55 years’ experience as a classic car insurance broker, you’re in safe hands with Heritage

Protecting your cherished, classic car is our priority – so we offer offer low cost classic car insurance that’s reliable, competitive and meets your needs.

Classic car club members can also enjoy a discount of up to 15% – as can members of the Military Vehicle Trust, Green Lane Association, or NHS staff.

THE BENEFITS OF HERITAGE CLASSIC CAR INSURANCE

Affordable classic car insurance isn’t necessarily a pipe dream. As an independent, expert broker we’ll negotiate with our trusted UK partners to get you the best value classic car insurance cover at the best price possible. We can also help with a range of related products and services for classic cars, bikes and campervans.

  • Free agreed value to protect how much your classic car is worth
  • Our classic car insurance comes with European cover for up to 90 days
  • Salvage retention, in case your classic is written off
  • Limited mileage discounts: the fewer miles you drive, the more you might save
  • Cover for modifications, whether your car needs a few mechanical upgrades over its lifetime or you’ve made some cosmetic changes
  • Up to 15% discount for classic car club members, NHS staff and more
  • No claims bonus available with some of our classic car insurance policies

TAILOR YOUR CLASSIC CAR INSURANCE

Choose from additional extras like motor legal or personal accident cover for your classic insurance policy. Compare our classic car insurance optional extras at competitive prices. From road recue and replacement hire cars to key protection, these are the little things that make a big difference.

GET A QUICK, NO-OBLIGATION CLASSIC CAR INSURANCE QUOTE

Whatever your requirements and budget, you can request a classic car insurance quote online in seconds.

Simply fill in our brief form and we’ll be in touch shortly to discuss your cover needs.

You can also email us or call our friendly, UK-based team directly on 0121 248 9229.

JUST SOME OF THE CLASSIC CARS WE COVER

From UK-built to imports, kit cars to vintage motors, we can insure a range of classic vehicles. Some of the most common and popular classic car brands we can cover include:

If you don’t see your cherished motor, don’t panic – this isn’t an exhaustive list. And, with some classic cars falling into insurance group 1, your premiums could work out lower than you might expect. Just give us a call to discuss your specific requirements on 0121 248 9229.

Need car insurance for a modern classic, classic bike, or classic camper? We can also help with that. 

HOW OLD DOES A CAR HAVE TO BE FOR CLASSIC CAR INSURANCE?

There are no hard and fast rules for what defines a classic car – although age often comes into classic car insurance criteria. 

Most classic car auto insurance companies and enthusiasts agree that a classic will usually be an old car, at least 20 years old. But other cars, including rarities, special editions and performance cars, can also fit the ‘modern classic’ criteria for car insurance purposes. 

Broadly speaking, a classic is typically a car that:

  • isn’t widely available to purchase new
  • is cherished
  • has limited mileage on the clock 
  • isn’t being used as an everyday vehicle
  • has some appeal as a collectible 

CLASSIC CAR INSURANCE FAQs

Is insurance for a classic car expensive?

Wondering if you can get cheap classic car insurance? Typically, classic car insurance tends to be cheaper than standard car insurance. 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 insurance policy through Heritage. In some circumstances we may be able to provide cover for drivers 21 and over, subject to strict terms and conditions. The maximum age for new policyholders getting classic car insurance with Heritage is 79 years; for existing clients there are no upper age limits.

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 Brokers. The other car you wish to drive must be insured in its own right, not owned by the policyholder, and for emergency use only.

Do you offer a discount to classic car club members?

Yes, we can offer a 15% discount for classic car club members, as well as members of the Military Vehicle Trust and Green Lane Association, plus to NHS staff. 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. Remember to change this to standard insurance before driving your classic to its first MOT after restoration, if an MOT is needed. 

I have no garage to store my vehicle in; can I still get classic car insurance?

No garage doesn’t mean no classic car insurance; we may still be able to offer you cover. Just get in touch to discuss your situation and we’ll be happy to talk you through your options. 

Browse our FAQs for more information about our classic car insurance, or visit our blog for the latest classic car news.

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