EXPERT CLASSIC CAR INSURANCE
Getting the right cover for your classic is essential. We’re delighted to work with thousands of classic car enthusiasts every year, offering friendly personal service.
We’ve got 55 years’ experience helping classic car owners protect their pride and joy. From comprehensive cover to breakdown and more, our team can help get the cover you need at the right price. Agreed valuation on your classic is free of charge with us, and we also offer car club discounts.
From small beginnings in 1965 as a local broker in Birmingham, to working with classic owners across the UK, Heritage offers great service and value to protect cherished classics.
THE BENEFITS OF HERITAGE CLASSIC CAR INSURANCE
As an independent, expert broker, we’ve got great relationships with top insurance partners to get you the most suitable options for your classic car insurance. You can also benefit from:
- Free agreed value to protect your classic car’s value
- European cover for driving in the EU, with 90 days as standard
- Salvage retention, in case your classic vehicle is written off
- Limited mileage discounts
- Cover for modifications, whether for mechanical work, cosmetics or off-roading
- Up to 15% discount for classic car club members, NHS staff and more
TAILOR YOUR CLASSIC CAR INSURANCE
You can shape your classic car cover however you like – adding extra protection where you think you may need it. Many of our customers opt for breakdown cover, as well as motor legal protection which gives you legal support and advice if you have an accident, and covers uninsured losses.
There are other ways to make your insurance more personal, too. If you want to protect the value of your car, ask us about getting an agreed value. It’s free of charge, and can arrange it for you without hassle.
TRUSTED BY OUR CUSTOMERS
WHAT CLASSIC CARS DO WE COVER?
Kit cars, off-roading vehicles, ex-military and imported cars can readily qualify for classic or specialist car insurance. We also specialise in modified vehicles, vintage cars and motorcycles, classic campervans – basically most things that are older and out of the ordinary!
If you’re not sure whether your car counts as a classic, just give us a call and we’ll be happy to answer any questions. You can reach us on 0121 248 9229.
HOW OLD DOES A CAR HAVE TO BE FOR CLASSIC CAR INSURANCE?
Typically, most classics are 20 years old or older and are being used as a second (or third, fourth…) car by their owner. Other rare, special editions and performance cars can also fit the ‘modern classic’ criteria for car insurance purposes.
Broadly speaking, a classic car:
- isn’t widely available to purchase new
- is cherished
- is being driven limited miles
- isn’t being used as an everyday vehicle
- has some appeal as a collectible
CLASSIC CAR INSURANCE FAQS
Not usually – classic car insurance tends to be cheaper than standard car insurance. This is because classic car insurance rates are based on risk – which is lower when the car is being driven less, being properly looked after, and most likely stored off the road. Some rare or performance cars may be a bit more expensive to insure, and it also depends on the driver’s age and experience. With limited mileage you’re going to see some savings compared with ‘regular’ car insurance.
The minimum age for a classic insurance policy is 25 with most insurers. In some circumstances we may be able to source cover for drivers 21 and over, subject to 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.
No, generally you would already have this with your standard car insurance. If you’re not sure, 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.
Yes, we offer a 15% discount for classic car club members. This also applies to members of the Military Vehicle Trust and Green Lane Association, and NHS staff. You’ll need to let us know your club and membership number when we give you a quote (or your NHS number).
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.
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.
We do offer an excess protection add-on for your insurance, so that if you have to make a claim, you can get your excess back and don’t end up out of pocket. You need to take this cover out as an add-on, as it doesn’t come as standard on motor policies.
FIND DRIVING INSPIRATION WITH OUR TOP 12 UK ROUTES
The UK is full of beautiful places to explore, and what better way than a road trip? We’ve put together our top 12 driving routes in the UK, spanning Scotland, Northern Ireland, England and Wales. Each route has plenty of scenic viewpoints, areas of historic interest, places to eat and of course, incredible roads that make driving a pleasure.
Dive in and see where you could go this year.