Classic car insurance

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Classic car insurance

Vintage and classic cars are more than just vehicles – they are a hobby, a passion, a treasure, which is why they often need specialised classic car insurance policies to protect them against damage and the risk of theft.

We work with a range of specialist providers to help find the right cover for you. It's important to note that quotes you get from insurers through us will offer standard cover for the car at its current market value, which may be a lot less than its value as a classic.

But 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.

When does a car become a classic?

There’s no definitive answer to this question as there’s no fixed age group that classic cars fit into in the UK. But generally, any car that is older than 15 years, and has a value of more than £15,000 will be considered a classic.

These are often known as modern classics and can be considered as a classic car despite their age, e.g. a 1989 Volkswagen Golf GTI.

Insurers will have their own set of criteria when determining if a car is a classic or not, which is why it’s a good idea to compare a range of quotes from different insurers.

What is agreed value?

Agreed value cover, or agreed valuation is an agreement between you and your insurer to guarantee the value of your vehicle if it’s declared a total loss.

It's important with classic cars to agree the amount before you buy your policy as some insurers base the value of your vehicle on current market value, which may vary greatly from what your classic car is worth.

Remember, when you get a quote, insurers will offer standard cover as well as specialised classic car cover. You’ll need to contact your chosen insurer to agree a value on a standard policy before you proceed to buy. Adding agreed value cover to a policy could increase your price. 

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How can I reduce the cost of classic car insurance?

If you own a classic car, you’ll more than likely want the best cover in place to protect it against any damage. But the best cover doesn’t need to be the most expensive option.

There are a few things you can do to help reduce the cost of your quote, while still getting the cover you need:

  • Avoid auto renewal – Comparing quotes is the easiest way to make sure you get the best deal. We guarantee to beat your renewal price, and if we don’t, we will pay the difference, plus £20! (T&Cs apply, like-for-like cover).
  • Mileage – Consider how many miles you drive and give an accurate estimation. Reducing your mileage can sometimes help bring costs down.
  • Enhance security – Adding an alarm or tracker can help lower the risk of theft, which can help bring down insurance costs.

For more helpful tips see our guide on how to get cheaper car insurance.

Breakdown cover for classic cars

Classic cars are obviously a little older, and possibly less reliable than modern cars, which is why it’s a good idea to have breakdown cover in place.

When you get your insurance quote, you’ll have the option to choose some extra policy add-ons, including breakdown cover. Or you can get a separate quote using our breakdown comparison.

What our expert says:

“Standard policies will estimate the market value of your car, but this might not reflect the actual value of your classic. If you want an agreed valuation for your classic, speak with the insurer before you buy. An agreed valuation on your policy can help ensure you’re not left out of pocket if your car is damaged or stolen.”
Alex Kindred car insurance product manager signature
Alex Kindred, Car insurance Product Manager


What will happen to classic cars when petrol and diesel is banned?

The longer-term goal in the UK is to eventually have our roads clear of any petrol or diesel cars. When the ban comes into place in 2030, it will still be possible to own, buy, or sell a classic car.

The ban won’t be in place for many years, and by then your car could be considered vintage or an antique.

Do classic cars need an MOT?

All vehicles including classic cars that were built or registered more than 40 years ago are exempt from MOTs. If you’re unsure you can check the full guidelines at GOV.UK.

Can I use my classic car for business purposes?

Classic cars are often used for special occasions such as weddings or funerals. If you plan on using your classic car for these types of purposes you’ll need business insurance.

When does a classic car become exempt from tax?

If you’re car was built before January 1st 1980, you do not need to pay road tax. Make sure you apply for a vehicle tax exemption; you can do this at a Post Office. For more information see GOV.UK.

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