What is classic-car breakdown cover?
Classic-car breakdown cover is a type of insurance that provides roadside assistance for older and vintage cars if they break down.
Some breakdown providers won’t cover cars that are more than 15-20 years old, but others will protect cars of any age. Specialist classic-car breakdown cover is also an option, although it’s likely to cost more than standard breakdown cover.
Like people, some cars age better than others. Some are an absolute dream to drive for many years, but others have a habit of letting you down at precisely the wrong moment… just as you’re on your way to a classic-car convention, for instance.
If your pride and joy suffers a mechanical failure, having classic car breakdown cover in place could keep your majestic motor on the road.
Personal cover or vehicle cover – which do I need?
There are two main types of breakdown policy for older cars.
Personal breakdown cover
This covers you as a named driver for any vehicle. It could be useful if you drive more than one car. For example, you might have a newer car for everyday use and only drive your classic car during weekends in the summer.
Vehicle breakdown cover
This covers a specific car, regardless of who’s driving it. This could work for you if you let other members of your household behind the wheel of your classic car, or you want to invite friends to take your car out for a spin.
What levels of classic-car breakdown cover are there?
The levels of car breakdown insurance for older cars are like those for younger cars, but it’s important to check whether there are any age restrictions on the policy.
- Roadside is the most basic level and covers you if you break down away from home. If your car can’t be fixed at the roadside, it will usually be towed to a nearby garage.
- Home start gives you additional cover if your car won’t start at your home address – or very close to your home.
- National recovery gives you the option to have your vehicle and passengers towed to a chosen location anywhere in the UK. This could be useful if you use your classic car for touring, or if you go around the country visiting classic-car conventions.
- Onward travel is the most comprehensive cover. It will usually pay for a courtesy car and the cost of overnight hotel accommodation or public transport if your car can’t be fixed straight away.
Frequently asked questions
Can I get classic-car European breakdown cover?
Yes, if you’re planning a trip further afield to mainland Europe, it’s crucial to have some form of classic-car European breakdown recovery included in your policy before you go.
Taking an older car out for longer distances on unfamiliar roads could be very costly if you don’t have the right classic-car European cover in place.
If you regularly travel abroad, you can opt for an annual policy that will typically cover you for up to 90 days per year in total. Or, you can choose classic-car single-trip European breakdown cover. This is cheaper, but only covers you for one journey.
Is my vehicle too old for breakdown cover?
Some breakdown providers will cover vehicles of all ages, but others won’t let you take out a policy if your car is more than 15 years old. We’re not accusing them of ageism or anything – compared to modern cars, classic cars can be more difficult to fix and parts can be more difficult to find.
When you compare breakdown cover with Compare the Market, we’ll ask you the age of your vehicle. This allows us to show you a list of suitable providers who can offer you cover for an older car.
Is it worth getting classic-car breakdown cover with insurance?
When you buy car insurance, you’ll often see an option to add breakdown cover to your deal. This can be cost-effective, but it’s important to check the small print. For example, does it provide a recovery service or does it just offer roadside assistance? Breakdown cover with insurance may not give you the full cover you need.
For many motorists, it could be better to buy breakdown cover and car icnsurance separately, particularly if you drive a modern car and a classic car.
Where can I find classic-car breakdown cover?
Compare classic breakdown cover with us and you could save money. It’s worth comparing every time your breakdown cover is due for renewal, as many providers offer better deals to new customers.
Simply tell us a few details about yourself and your vehicle, including its age, and we’ll give you a list of suitable deals for older cars that you can choose from.
What do I need to get a quote?
To get a quote for classic car breakdown cover, you’ll need to give us:
- the dates you’d like your cover to start and end
- details of your vehicle, including age, registration, manufacturer and model
- a few personal details, including your name and address
You’ll see the policies listed with the cheapest first, and an at-a-glance guide to the main benefits of each, including any cashback or discounts.
When you’ve chosen the most suitable breakdown cover for you, just follow the link to the provider’s website to get your deal.
From the Motor team
What our expert says
If you’re the proud owner of a classic car, it’s important to get the right level of breakdown cover for your pride and joy. Classic cars might not be covered by a standard breakdown policy because, as you might expect, older cars are a riskier prospect and parts can be very difficult to replace. Always check the fine print carefully before taking out breakdown cover so you can be sure your four-wheeled beauty will be taken care of if something goes wrong.
Why use Compare the Market?
|We compare 15 breakdown insurance providers**
||Get a quote in 2 minutes***||93.3% of users would recommend Compare the Market to friends or family****|
**Correct as of November 2020.
***On average it can take less than 2 minutes to complete a breakdown quote through Compare the Market based on data in November 2020.
****For the period 1st September to 30th November 2020, 12,477 people responded to the recommend question. 11,706 responded with a score of 6 or above, therefore 93.8% are likely to recommend.