Compare Classic Car Insurance

What Is Classic Car Insurance?

Classic car insurance is designed for older, collectible, vintage, or cherished cars that may not fit a standard everyday policy. Cover can depend on the vehicle's age, value, condition, mileage, storage, and how often it is used.

What Can Classic Car Insurance Cover?

• Agreed value — A pre-agreed valuation can help avoid disputes if the car is written off.
• Limited mileage — Many classic policies are priced around lower annual mileage.
• Garaged vehicles — Secure overnight storage can make a difference to eligibility and pricing.
• Restoration cover — Some policies can cover vehicles being restored or kept off the road.
• Club discounts — Membership of recognised owners' clubs may help with some providers.

What Can Affect Classic Car Insurance Prices?

Specialist insurers may look at the vehicle differently from a modern daily driver. Common pricing factors include:

• Age and rarity — Rare cars can be harder and more expensive to repair.
• Market value — Values can rise or fall, so accurate valuations matter.
• Parts availability — Hard-to-source parts can increase claim costs.
• Annual mileage — Occasional use may be treated differently from daily use.
• Security and storage — Garages, alarms, immobilisers, and trackers may help.

Tips Before Comparing Quotes

• Have the registration, make, model, year, engine size, and estimated value ready.
• Be clear about modifications, restoration work, and non-standard parts.
• Check whether the policy uses agreed value or market value.
• Confirm exactly who can drive the vehicle and what journeys are covered.