Classic car owners are often devoted to their vehicles and will want to find the right insurance to protect their pride and joy. To help you, we quickly search over 125 insurance brands, giving you an easy way to compare policy options while potentially saving up to £247.07.*
We search for policies from both specialist classic car insurers and standard companies. Read more about car insurance in our guides
Any car over 15 years old can be considered a classic for insurance purposes - the definition is at the discretion of the insurer. The good news for owners is that prices for classic car policies can be very competitive - many insurers believe that such vehicles have a good chance of being well maintained by caring drivers, who may keep to a low mileage. The right classic car may also be one of the more affordable options for young and newly qualified drivers seeking insurance.
You need to consider your policy carefully, though. Check whether the terms place a restriction on your mileage and, if so, whether you can stick to it. Some insurers may insist that the vehicle is garaged overnight, and if you have any non-factory standard modifications on your car you will need to inform them of this.
Classic cars can be attractive to thieves and they may not have the same sophisticated security systems as more modern vehicles, so fitting a tracker or improving security in other ways could help you find the right cover. You may also want to ensure that you get an agreed evaluation in place for your car rather than relying on market price - the true value of a classic vehicle can be difficult to establish if it needs to be replaced.
It's possible that replacement parts for an older vehicle will be expensive or difficult to come by, making repair prices high. Such complicating factors make some insurers reluctant to quote for classic vehicles, but we search for policies from both specialist vintage car insurers and standard companies. We also have a monthly prize draw, where 10 people who have purchased their car insurance through Gocompare.com get their policy for free! Read more about car insurance in our guides.
Remember that you will need year-round insurance cover for your classic car, even if you only use it in the summer. The Continuous Insurance Enforcement law demands this, unless you have filled out a Statutory Off Road Notice. Specialist insurers may provide laid-up cover, reducing your premium in return for agreed periods when the vehicle is being restored or kept in a garage.
Did you know…?
- Classic car clubs could help you find discounted insurance that suits your vehicle
- If you plan to take your vehicle to classic car shows and rallies you need to check you are covered
- You will need extra cover to use your vehicle as a wedding car