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Optional Cover for Motor Vehicles


Heritage Insurance Brokers provides classic car insurance for those owners who love a timeless vehicle. Whether you own a classic 4X4 or modified 4X4, a classic campervan, classic bike or prestige vehicle, we have the right insurance policy for you. Alongside our insurance cover, Heritage offer a wealth of optional cover that will enhance your motor vehicle insurance policy. Optional cover gives you peace of mind in a world where anything can happen on the road. With over 50 years of experience in the motor insurance industry, we understand the importance of protecting yourself against the unexpected. Our expert team have put together a selection of additional products specifically designed to minimise your risk and maximise your enjoyment of your prized vehicle.

Get a quote from us today by calling 0121 248 9229 or complete the contact form to request a callback, and ask about our optional cover for motor vehicles.



Our legal policy will provide cover for the legal costs involved in claiming any Uninsured Loss Recovery up to the value of £100,000. We have partnered with MAPS, who will handle your claim from first report right through to resolution and settlement. Their claim line is available 24 hours a day, seven days a week all year round.

You can add Heritage Legal cover for just £21.95 for the year.


Our breakdown cover will rescue you and your vehicle in the event of a breakdown or if your vehicle cannot be driven. Heritage breakdown cover includes:

  • Any vehicle (modern or classic) up to 3.5t
  • UK roadside repair and national recovery (if necessary)
  • Alternative transport and overnight accommodation (if necessary)
  • Driver illness or injury cover with no-one else able to drive
  • EU breakdown and repatriation (if necessary)
  • Key assist in the event of lost keys or lock failure
  • Message assist to alert loved ones and let them know you are safe

Home Assist (not available with Heritage Road Rescue Classic)

There are three levels of cover to choose from:

  • Heritage Road Rescue Classic – £38.99 for one vehicle
  • Heritage Road Rescue Multi Car – £129.99 for two or more (declared) vehicles
  • Heritage Road Rescue Motorhome – £99.99 for motorhomes over 6m in length


In the event of a road traffic accident, malicious damage, fire or attempted theft we won’t leave you stranded. We’ll arrange a courtesy car for you to get you back on the road.

There are two levels of cover to choose from:

  • Heritage Replacement 14 – 14 day guaranteed courtesy car for £18.98
  • Heritage Replacement 28 – 28 day guaranteed courtesy car for £24.99

The limits relate to the amount of excess you can claim in any one year for example, if your excess is £250, with Heritage Excess Protect 500 you can make two claims in any one year. Don’t leave yourself out of pocket, especially when you are not to blame.


Should you lose or have your keys stolen, Heritage Key Protect will cover you for the cost of a calling out a locksmith. This optional extra will also cover any labour, materials and replacement keys and/or fobs.

This policy will also cover your home keys and includes:

  • Vehicle hire for up to three days
  • Onward travel costs
  • Overnight accommodation up to one night
  • 24/7 helpline

You can add Heritage Key Protect for just £17.99 for the year.


Most insurance policies will only provide cover for you and a third party. Heritage Personal Accident covers you, as well as all other passenger travelling with you in your vehicle who is injured, for up to £50,000. There are limitations on certain injury types and cover only applies to individuals over the age of 17.

You can add Heritage Personal Accident for just £19.99 for the year.


To make life easier, we have packaged our most popular optional cover chosen by our Classic Car customers into one, saving you time and money.

Heritage Prestige Classic includes:

  • Heritage Road Rescue Classic
  • Heritage Personal Accident
  • Heritage Legal

You can add Heritage Prestige Classic for just £64 for one year.


To make life easier, we have packaged our most popular optional cover chosen by our Multi Car customers into one, saving you time and money.

Heritage Prestige Multi includes:

  • Heritage Excess Protect
  • Heritage Replacement 28
  • Heritage Excess Protect 500

You can add Heritage Prestige Multi for just £64 for one year.


For more information on all of our optional insurance cover for motor vehicles, call us today for a quote on 0121 248 9470. You can also request a call back in the form below and our team will get back to you as soon as possible.