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Laid Up Insurance

Low Cost Laid Up Insurance

Heritage Insurance have been providing classic car insurance to the passionate car enthusiast for over 50 years. Our expertise has been growing since 1965 which has allowed us to add bespoke insurance policies for every vehicular requirement. We know that our drivers love to restore classic cars to a state they were known for many years ago. As there are plenty of risks involved with restoring a classic vehicle, we have created an insurance policy that matches the needs of the driver. Our dedicated team are ready and waiting to talk you through the fine details of our policies and their entry requirements.

Laid Up vehicles are defined by the precise care and attention the owner puts into restoring their classic vehicle. We insure the driver and the potential value of the vehicle after restoration. Get a quote from us today on 0121 248 9229 or complete the contact form below.


What is SORN Insurance? 

SORN Insurance or laid up insurance is needed if you are currently in the middle of fully restoring, planning on restoring or simply keeping a vehicle off the road to protect your investment in the car. Whatever your reason for having a vehicle laid up, SORN insurance is specialist insurance that covers you for accidental damage, fire and theft. Whether you have a classic car, classic bike, classic 4X4, camper or vintage vehicle laid up in your garage for whatever reason, Heritage has you covered.

A Bespoke Laid Up Insurance Policy

Laid up insurance is a great way to protect your vehicle whilst it’s off the road, our cover includes:

  • Covered for fire, theft and damage
  • You can always convert your laid up insurance to on the road cover for the rest of the year
  • Agreed value available provided if the vehicle is complete (and not in bits in your garage)
  • You can still have an agreed value
  • If your vehicle is SORN then this is a great way to protect your vehicle while it’s off the road and stored in your garage
  • The vehicle must be garaged (preferably at your home address) 

Get a Quote 

For more information on our Laid Up insurance, call us today on 0121 248 9470. You can also request a call back in the form below and our team will get back to your swiftly.

Policy Options and Benefits

Free Agreed valuation and certificate – We arrange a specialist insurance scheme which offers you a free agreed value alongside your policy. Should the worst happen and you find yourself with a total loss claim, we will pay you the agreed amount of the vehicle less the policy excess.

Discounts of up to 15% for classic car club members and. The true enthusiast knows the importance of joining a classic car club. We reward your loyalty with a discount of up to 15%.

Discounts are also available through out partners. As a customers of one of our partners you can claim up to 15% off your insurance.

*One discount applied per policy

The option to retain salvage, should the worst happen. In the case of a total loss claim, you have the option to buy back your vehicle at the agreed value rate.

Whether performance enhancing or adding safety features to your vehicle, we understand that adding a modification doesn’t make you a boy racer. Call us on 0121 248 9229 to discuss your classic car modifications.

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