What counts as a classic a car?
- In the UK, there is a fixed age group that a classic car must fit into. All pre 1973 cars are exempt of road tax
- For insurance purposes a classic car can be any car that is older than 15 years
- These are often know as modern classics, and can be considered as a classic car despite their age
- A good example of this is a 1987 Volkswagen Golf Gti which some may be surprised to find out is a classic car
- It’s up to the insurer whether they class the car as a classic, that’s why it’s always good to compare prices
If you've not yet bought your car but are considering taking on a restoration project, take a look at our guide on what to consider before restoring a classic.
What is classic car insurance?
If your car is classed as a classic then you can usually receive reductions in your policy price.
- The insurer generally presumes you will be doing less mileage in the car, though you will need to confirm this when you apply.
- Most people who drive a classic car take care of it and maintain it to a higher standard. They may also store it in a secure location; again you will need to confirm this.
It's important to note that quotes you get from insurers through Confused.com will offer standard cover for the car at its current market value (which may be a lots less than its value as a classic), however some of the insurers we compare, do offer specialised classic car policies that cover the car for their true value as a classic (also known as agreed value cover).
If it is agreed value cover you're after, once you've got a quote, speak to your chosen insurer to see if you can add it to your policy. Adding agreed value cover to a policy could increase your premium and may incur additional charges.
If you're under any doubt, make sure to check the details and cover value of your policy before you buy.