GREAT VALUE CLASSIC CAR INSURANCE
With over 55 years’ experience as a classic car insurance broker, you’re in safe hands with Heritage.
As lovers of classic cars ourselves, we’re proud to offer affordable classic car insurance cover that’s reliable, competitive and meets your needs. Protecting your cherished, classic car is our priority.
Classic car club members can also enjoy a discount of up to 15% on our specialist classic car insurance, as can members of the Military Vehicle Trust and Green Lane Association.
CLASSIC CAR INSURANCE THAT GOES THE EXTRA MILE
As an independent, expert broker we’ll negotiate with our trusted UK partners to get you the best classic car insurance cover for your needs. When you take out car insurance for your classic vehicle with Heritage, you’ll also enjoy benefits such as:
- 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 as standard
- Salvage retention, in case your classic vehicle is written off
- Limited mileage discounts: the fewer miles you drive in your classic car, the more you might save
- Cover for modifications, whether your classic 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
- No claims bonus available with some of our classic insurance policies
TAILOR YOUR SPECIALIST CLASSIC CAR INSURANCE
At Heritage, we want you fully covered – and sometimes you need more than a standard policy. That’s why we offer optional extras as part of our classic insurance service.
If you’re concerned about breakdowns, or the cost of legal support in the event of a road traffic accident claim against you, our extra cover choices may be right for you. Choose from additional extras like motor legal cover, breakdown cover and key protect for your classic insurance policy.
GET A CLASSIC CAR INSURANCE QUOTE
Just fill in a few details and our friendly, UK-based team will give you a call back with your price in a few minutes.
You can also email us or call us directly on 0121 248 9229 for a bespoke quote.
HOW OLD DOES A CAR HAVE TO BE TO QUALIFY FOR CLASSIC CAR INSURANCE?
There are no hard and fast rules for what defines a classic car – although age requirements often come 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
Ready to protect your treasured automobile? Let Heritage Classic Car Insurance help.
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.
THE HERITAGE CUSTOMER STORIES PROJECT
Our customers know what it really means to be a classic car owner – the connection, legacy and passion. We’re thrilled to share a series of customer stories, with unique illustrations of their classics by automotive artist and Heritage partner Ian Cook.
CLASSIC CAR INSURANCE FAQS
Is classic car insurance cheaper?
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. At Heritage, we strive to offer the best value classic car insurance for our customers. 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 car 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.
EXPLORE OUR CLASSIC CAR ENTHUSIAST GUIDES
Eager to delve deeper into the world of classic cars? Our expert enthusiast guides offer a thrilling journey through the rich heritage and exquisite craftmanship of the iconic car brands you love, including Land Rover, Ford, and Volkswagen.