A simples guide

Classic Car Insurance - Choosing the right policy for you

If you own a classic car, the chances are, it’s your pride and joy.


Whether you use it every day to commute to work or only at weekends as a hobby, it is good to know that your car insurance is in safe hands.  


Classic car insurance

Picture a classic car owner, and the chances are you’d stereotype them as, shall we say, the more mature driver.

You may be surprised then to know, that it is drivers aged between 17 and 24 years old who make the most requests for cover for older, more valuable cars.

Basically, classic car cover is available to anyone with an older vehicle who wants to make sure the best cover is in place for their heritage vehicle. At comparethemarket.com, we offer insurance for vehicles built in 1970 onwards so if yours is any older, you might need to consider specialist classic car insurance. But whatever the age, whether your classic is an ever popular Nissan Skyline, a beloved 1970s Mini, or an elegant hand built Morgan, you’ll need to consider the following points:


What is a Classic Car?

If you asked a number of motorists for their definition of a classic car, the chances are you’d get many different answers.

Unfortunately, when it comes to insuring your vehicle, the same is true of insurers. There is no one definition. Essentially, any vehicle can be considered classic for insurance purposes provided it is at least 15 years old. The rest depends on the individual insurance company.

It’s definitely worth shopping around for cover for the following reasons:


Classic car insurance is a competitive business. Insurers know that as owners of classic cars, you tend to care for them, maintain them well and drive them responsibly. This means that you’re valued customers and, as a result, they’re keen to attract your business


Unfortunately when a classic car does need repairing, parts can be hard to come by. With scarcity often comes cost, and this means that the repair cost of your precious car might be greater than its market value.

If the worst came to the worst and you needed to replace the vehicle, it might be hard to find such a replacement. In addition, how can you put a cost on the value of the time and effort you’ve spent on your vehicle?

For any one of these reasons it might be worth finding an insurer prepared to offer an agreed valuation for insurance purposes rather than relying on the market value.


Classic car policies will often have an annual mileage limit attached to them. Whether you only use your car during the summer months or occasionally at weekends, make sure this allowance is sufficient.

Remember, you need to maintain cover for the entire year whether you’re using the vehicle or not. If you were to cancel your policy for the time you’re not using your car, remember that you may face a cancellation fee and you’ll need to SORN your vehicle if it’s not insured or is kept off the road.

You can find out more about making a SORN here. Otherwise, specialist classic car insurance could offer you ‘laid up cover’ for the time the vehicle is not in active use.


Insurers will be interested in additional security measures.

Your classic car might attract the envious glances of thieves but due to its age, it could be relatively poorly protected.

It’s unlikely to come with many of the measures that we now take for granted in our modern vehicles. Fitting extra devices to your car, for example, an alarm, or perhaps even a tracking device, could help to reduce your cover costs. Otherwise, keeping the car under lock and key in your garage might help a little in keeping the costs down.


In short, if you want to keep your cover cost down, avoid making modifications to factory builds. Some insurers refuse to cover cars with modifications, and those that will insure you will certainly charge you more for the privilege.

Remember that a modification doesn’t just mean adding a flashy exhaust. Any additions or upgrades that you’ve had to make, no matter how simple will need to be disclosed.  If you fail to do this, you might find your cover invalidated.

So, if your classic car was built in 1970 or later and you’re looking for cover, start comparing today and see what you could save.

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