Classic Car Insurance

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Why Compare Cheap Classic Car Insurance Quotes With SimplyQuote

Comparing classic vehicle insurance quotes with SimplyQuote is quick and easy.

No more ploughing through stacks of insurance quotes from endless insurance providers. Simply fill out the short online form, give us a few basic details and SimplyQuote handles the rest.

We’ll provide a list of classic car insurance quotes from top-class UK insurers; all you need to do is choose the best one!

Having a classic car is an investment and having good car insurance protects your most valuable (four-wheeled) asset – you can’t go wrong with SimplyQuote!

What Do You Need To Get A Quote?

Before we provide you with an insurance quote for your classic car, there is a bit of information we’ll need from you first, such as:

  • Personal details – name, surname, postcode, age, driver’s licence
  • Classic vehicle details – make, year model, registration details
  • Classic car usage – annual mileage, intended use (recreational or business)
  • No claims bonus history

Why Do You Need Classic Car Insurance?

What Does Classic Car Insurance Cover?

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What Levels Of Cover Are Available For Classic Cars?

Classic car owners have three levels of insurance to choose from:

Third-party only (TPO)

Third Party Only is the most basic level of cover available as it is a legal requirement in the UK. It protects you from third-party claims if you’ve injured another driver or pedestrian when behind the wheel. It won’t cover any repair costs for your classic vehicle(s).

Third-party fire and theft (TPFT)

Third-party, fire and theft offers slightly more protection than TPO with added compensation should your vintage car be stolen or damaged by fire. It won’t cover repair expenses if you are in a collision.

Fully comprehensive cover

Comprehensive cover is the highest level of car insurance for classic car owners. It’s a combination of both TPO and TPFT but will also cover repair costs to your vehicle no matter who is at fault.

Note: Some insurance providers may only offer fully comprehensive cover as a standard; which means you cannot get a TPO or TPFT policy.

What Types Of Vintage Vehicle Insurance Are Available?

There are three main types of classic car insurance available for UK residents, namely:

Social, domestic and pleasure

This is the best type of cover to opt for if you drive your classic car for recreation purposes (as opposed to day-to-day use).

Social and commuting

Generally, most classic cars are secondary vehicles not used on a daily basis such as for commuting to and from work. This ties into insurance policies where annual mileages are capped.

However, if you only drive short distances to work you might still be able to insure a classic car for these trips, albeit with higher premiums.

Business use

Many classic car owners rent their vehicles for weddings or functions.

You must inform your insurance provider if this is the case and you’ll likely pay higher premiums due to the additional mileage.

However, it’s worth mentioning that some insurers won’t be willing to insure a classic car in these situations; so it’s best to double-check this beforehand.

What Add-Ons Are Available For Classic Vehicle Insurance? 

There are a few optional extras you can add to your vintage car insurance policy, such as:

Home breakdown cover

This will cover you for assistance if your car breaks down outside your home or a short distance away.

Pay Roadside assistance

This will cover you if your car breaks down while you’re away from home and require roadside assistance. Your car will be towed to a local garage if it’s unable to be repaired onsite.

National breakdown cover

This will provide you with national roadside assistance if your car breaks down. You’ll also be entitled to tow your vehicle to any location of your choice if it can’t be repaired onsite.

Restoration cover

This cover protects you (and your vehicle) from accidents when undergoing restoration.

Vintage car show display

Opt for this cover if you want to show your vintage vehicle off at an organised show.

It protects you from any damages or mishaps while displaying your car and usually has public liability cover included.

Track day racing

Similar to vintage car shows, if you intend to enter your classic car into an organised track or race day, you’ll need this cover in case of any damages or accidents.

Wedding use cover

Vintage vehicles make a bold statement and are often used for special events like weddings, formal functions or proms. You will be covered if you use your car for these purposes and anything goes wrong.

Classic car collectors cover

Opt for a classic car collector’s cover if you own multiple vintage vehicles as it’s cheaper to ‘bundle’ them under one policy than insure them individually.

EU cover

EU cover is the way to go if you intend to take your classic vehicles abroad. It provides accidental damage cover in the event of any accidents/damages while you are across the UK border, allowing you to make a claim.

Legal protection

This additional cover allows you to claim for legal expenses associated with an incident, such as disputing third-party claims.

No-claims bonus protection

No-claims bonuses take a while to accumulate and can save you a lot of money on your car insurance in the long run. Opting for no-claims bonus protection means your bonus will be protected even if you make a claim.

Additional mileage

If you exceed the annual mileage limit (set by your insurer) you may be able to add on extra mileage for a higher fee.

How Much Does A Classic Car Insurance Premium Cost?

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How Can You Reduce Insurance Premiums For Classic Cars?

How To Compare Vintage Vehicle Insurance With SimplyQuote?

Compare insurance quotes for classic vehicles with SimplyQuote today:

  1. Fill in the short form: Provide details about yourself, your vehicle, and where you live.
  2. Choose policy extras: Select which add-ons you want to include in your policy.
  3. Compare quotes: Find a quote to suit your budget and insurance needs.
  4. Save money: Get the best deal with SimplyQuote today!
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Frequently Asked Questions

What is classic car insurance?

Vintage car insurance policies are specifically designed to cover vintage cars typically used as second cars for recreational purposes. Classic car insurance is usually cheaper than standard car insurance, as classic car insurers consider them ‘low risk’ and less likely to make a claim.

What are the benefits of owning a classic car?

A few benefits of owning a vintage car include:

  • If your vehicle was first registered or built over 40 years ago, it doesn’t need to have MOTs. However, you’ll need MOTs if you have had significant modifications done.
  • If you own a classic car built earlier than 1 January 1981, you don’t need to pay any vehicle tax.
When does a car become “classic”?
  • Modern classic – built between 1980 and 2000
  • Classic – built between 1951 and 1979
  • Vintage – built between 1911 and 1950
  • Veteran – built before 1910
What’s the difference between standard and classic vehicle insurance?
  • Standard vehicle insurance – specifically covers ‘standard’ vehicles used day-to-day. There is generally no mileage limit with standard car insurance policies.
  • Classic vehicle insurance – specifically covers classic cars used as secondary vehicles with an annual mileage limit.
Why is classic vehicle insurance cheaper than standard insurance?

Vintage car insurance is generally cheaper than standard car insurance because classic cars generally spend less time on the road (i.e. mileage limit) and are not the owner’s main mode of transport (i.e. secondary vehicle).

Can I drive my vintage car every day?

The simple answer is: it’s possible. Typically, classic car insurance policies come with an annual mileage limit, allowing you to drive short distances daily.

Can young drivers get classic vehicle insurance?

While young drivers might be able to get car insurance for classic cars, most insurers have a minimum age limit for this type of car insurance (30+ years old). This is because younger, inexperienced drivers are more likely to be involved in an accident.

What are the most popular classic cars?
  • Mazda MX5
  • Landrover 88 / 90
  • MG Midget
  • MG TF
  • Austin Mini
  • Ford Escort
  • Morris Minor