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Cheap classic car insurance

In the UK, to be classed as a vintage car a vehicle must have been manufactured between the years of 1919 and 1930, however the definition of a classic car is far less clear. The term `classic` is often used for vehicles that are over ten years old and worthy of being collectable, although purists would argue that only vehicles built post WWII and no later than 1974 are true classics.

Buying car insurance for a classic or vintage car can be difficult as it`s important to ensure you have the right level of cover, rather than choosing a policy on price alone. Let`s take a look at what`s available.

What car insurance options are available for classic and vintage cars?

When searching for car insurance you must first establish which category your vehicle fits into. Broadly there are five classifications::

- Vehicles manufactured up to and including December 1904 are classed as `veterans`.
- Vehicles manufactured from January 1905 up to and including December 1918 are classed as `Edwardian`.
- Vehicles manufactured between 1918 and 1933 are considered `vintage`.
- Classic vehicles were typically manufactured pre-1974 although there are exceptions to this rule.
- Cherished vehicles are collectable or rare cars that are five to ten years old.

 


Not all conventional car insurers are willing to cover these vehicles due to the risks involved. Classic cars are generally more expensive to repair as their parts are no longer readily available and labour costs increase because mechanics may be unfamiliar with their design. Indeed classic cars are not built to modern day safety standards - which can make accidents more devastating when they do occur.

However, some insurers specialise in providing cover for classic cars because they believe this risk is offset by the fact that classic car drivers usually drive with care and consideration, they are rarely driven at fast speeds and they are used infrequently. As a result there are a number of classic car specialists on the market offering unique features, such as:

Footman James
Features include personal injury cover due to road rage and car jacking, agreed valuations, laid-up insurance and limited mileage discounts.

Heritage Motor
With benefits ranging from agreed valuations to multi-vehicle policies, club member discounts, limited mileage discounts and cover for activities such as historic rallies, sprints and hill climbs.

Lancaster Car Insurance
Includes car club member discounts, limited mileage discounts and provides courtesy cars and breakdown cover.

Performance Direct
Will cover vintage vehicles and more modern classics.

Peter Best Insurance Services
Will cover a wide range of vehicles including American classics, Morgan cars and MGs.

To find classic car insurance you should use a two-pronged approach. Firstly, use a comparison website to compare quotes from both specialist and conventional insurers and then search for specialists online. It`s recommended that you telephone potential insurers to discuss your needs before you buy - that way you can be certain that you are getting the right protection for you and your car.

It`s also worth discussing an insurer`s policy towards repairs, particularly the use of replacement parts.

How to make a claim with classic car insurance

Remember you must be honest with an insurer or you will risk invalidating a claim. For example, if you agree to a mileage limit and are found to have exceeded this when an accident occurs, your claim may be thrown out.

Preparation is often the key for car insurance claims. Take photographs of your vehicle periodically to show the condition it is in so there is no dispute when an accident occurs. Should a claim be necessary, gather as much information as you can - take photographs at the scene, ask witnesses for their contact details and contact your insurer as soon as possible.

Remember that cheap car insurance is not always the best - paying a little more for a policy may give you better value for money and more protection for your pride and joy

 

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