WHY CHOOSE HERITAGE CLASSIC CAR INSURANCE?
Cheap 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.
- 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 VEHICLE INSURANCE COVER
Looking to add motor legal or personal accident cover to your classic insurance policy? We offer a wide range of valuable optional extras at competitive prices. Choose the cover that suits your needs, or explore our package option for an even better price.
From road rescue 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 get in touch shortly to discuss your cover needs.
GREAT VALUE SPECIALIST CLASSIC CAR INSURANCE
As lovers of classic cars ourselves, we’ve built strong relationships with specialist suppliers to offer you affordable classic insurance services as well as a host of related products and support.
Our customers’ requirements are our priority – so we aim to offer low cost classic car insurance options that are reliable, competitive and meet your needs. We can also offer a discount of 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.
Our 55 years of experience as a classic car insurance broker have all gone into building the best possible range of bespoke cover to make sure you get the protection your classic needs.
WHEN DOES A CAR BECOME A CLASSIC?
There are no hard and fast rules for what defines a classic car – or what qualifies a vehicle for classic car insurance – although age often comes into it.
Most classic car auto insurance companies and enthusiasts will agree that a classic will usually be 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
Car insurance for classic cars and other vehicles is typically available to drivers aged 25 and over.
JUST SOME OF THE CLASSICS WE COVER:
We can cover a wide range of cars with our classic vehicle insurance, from UK-built to imports, kit cars to vintage motors.
We can also provide comprehensive performance car insurance, as well as cover for modern classics and classic vans. With some classic cars falling into insurance group 1, your premiums could work out lower than you might expect. To discuss your specific requirements just fill out our online form and we’ll call you back.
We’ve listed some of the most common and popular classic car brands that we can cover below. If you don’t see your motor among them, don’t panic – this isn’t an exhaustive list.
CLASSIC CAR INSURANCE FAQs
Can I get classic car insurance cover immediately?
How can I get cheap classic car insurance?
How old do I need to be to take out a classic car insurance policy?
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 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.
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?
I have no garage to store my vehicle in; can I still get classic car insurance?
Do I need to insure my car before I drive it to the garage for its first MOT after restoration?
“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