To most of us the vintage car conjures up images of care free motoring from a bygone era, the golden age when the automobile was more of a luxury for the prosperous and wealthy, rather than the necessity of the masses, like today.
The antique car, much like a piece of art or indeed a stamp or coin collection will always be a worthwhile investment, but what do we mean by antique car or indeed vintage car for that matter? Well it seems that to categorise a car as vintage is a matter of opinion depending on the vehicles age. You would expect this to be a rolling period of time, as the classic car ages it would then fall into the vintage classification; although a definitive answer would be “any vehicle manufactured between 1919 and 1930 is classified as a vintage car” according to major car clubs.
In the UK the largest manufacturers of the vintage car era were Morris, Austin and Singer, many of which are still in evidence today (just take a wander around any vintage car show). The cars of this time are indeed an iconic piece of motoring history, not only for their engineering prowess but also for the innovative designs, the saying “they don’t make them like they use to” couldn’t be truer when it comes to vintage cars.
As an investment, the vintage car is on the rise and has seen value’s increase over the last 3 years by 25%. It is important therefore to make sure you have adequate insurance cover including an agreed value that is consistent with current values. You will also need to ensure that security (subject to the insurer’s terms and conditions) is operational; they may require smoke alarms and a fire extinguisher as part of their conditions. Also it would be advisable to obtain an independent valuation of the vehicle usually carried out by a vintage car club or indeed a specialist garage.
The vintage car encapsulates the essence of British motoring at what was a transitional time like no other in automotive history. As an owner of such an example it would surely be a privilege and indeed a responsibility to keep these pieces of the past alive for all of us to enjoy today and tomorrow.
If you need any information regarding vintage car insurance, speak to Heritage Classic Car Insurance, where one of our Personal Client Managers will be happy to simply guide you through the process. Call today on 0121 248 9229.
Our Multi-Car insurance policy covers a wide range of vehicles from classics to campers and even bikes. We even cover everyday vehicles, so if you have more than one car in your household you should take a look at what Multi-car has to offer or if you would like a quote call us on 0121 248 9470.
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. The true enthusiast knows the importance of joining a classic car club. We reward your loyalty with a discount of up to 15%.
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.
Up to 90 days’ cover for use in the EU – Travel abroad with no worries. Our classic car policy includes full comprehensive cover for use in Europe.
Full windscreen replacement service
Option for an uninsured loss recovery service (Legal Protection)
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Very knowledgeable and helpful person. Very efficient service.
Excellent service, cheaper than Flux! Sue was very helpful. I would recommend Heritage to my friends. Thank you – Christopher, Hertford
Heritage classic car insurance is better than mass market policies from one size fits all inflexible insurers. My contact was on top of his subject and able to answer all my questions about details of a new policy before I then needed a few days to decide the implications of transferring from my expensive insurer, […]
Wouldn’t go anywhere else,I have had had classic cars on and off for the last 20 years and found Your company very professional and extremely friendly,you give the average man or woman in the street the chance to live the dream with your very reasonable premiums – Darryl Hudson, Wirral