Classic car insurance

We don’t compare classic car insurance – here are some companies[1] offering quotes[2]

  • it's Classic Car Insurance is an insurance price comparison site for classic cars. Simply enter your details on the easy-to-use quote form and get competitive quotes from Grove & Dean's specialist car insurance brands. Find the policy that's right for you and your classic vehicle and start saving today. Because this is a specialist UK classic car insurance comparison site, it's Classic Car Insurance addresses the needs of owners, providing bespoke policy features such as agreed values, salvage retention, spare parts cover together with discounts for car club members. Visit it's Classic Car Insurance now, compare quotes and save money on your classic car insurance.

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  • Lancaster Insurance Services has proudly arranged classic car insurance for more than 30 years. Specialising in arranging cover for your cherished vehicle, our tailored and comprehensive policies are designed to protect your investment. We have access to some of the most competitive classic car, vintage car and classic vehicle insurance schemes in the UK and work with carefully selected underwriters to enable us to offer both comprehensive and bespoke insurance solutions, with our customers in mind.

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When is a car classed as a classic car?

Any car more than 15 years old and worth more than £15,000 is considered a classic – but the exact definition is entirely up to the insurer.

You probably think of a classic car as having a certain traditional look or features, but as long as you meet the insurer’s criteria, you might find that you’re able to get classic car insurance for all sorts of vehicles, just because they’re a bit older than others.

Some insurers will only cover a classic car if it’s not your main vehicle, so you’d need to have another car which you use for your everyday driving.

Classic car insurance

What is the difference between classic car insurance and regular insurance?

Features of classic car cover often include:

  1. Agreed value payouts
  2. Laid up cover
  3. A limited mileage discount
  4. Wedding hire cover
  5. An owners club discount
  6. Cover for classics that have been modified
  7. Claim free driving

A classic car that you use as your secondary vehicle won’t accumulate a no claims discount (NCD). But some insurers will consider your years of ‘claim free driving’ instead of the number of years you’ve had a NCD.

What does an ‘agreed valuation’ mean?

Some classic car policies will insure you for an agreed value instead of market value.

Standard car insurance will only pay out the current market value of your car if it's stolen or written off. That can leave classic car owners out of pocket because they've spent time and money lovingly restoring their car to be worth more than the market value.

With an agreed value policy, the insurer instead sets a fair value with you before your cover starts – and that's what you'll receive if your car's stolen or written off.

Find out more about agreed value car insurance >

Is classic car insurance cheaper than regular car insurance?

Classic car insurance can be cheaper than a standard policy. Insurers recognise that older vehicles have lower speeds and simpler mechanics than modern vehicles, as well as owners who look after their cars well.

That all means they can classify them as a lower risk and offer cheaper premiums.

There are other benefits to classic car insurance too – a specialist policy can give you extra cover designed specifically for your classic car.

You’ll be covered for all the usual things like fire, theft and third-party damages. But you’ll also be able to get additional cover for restoration, exhibiting your car and racing on track days.

Classic car insurance will also cover repairs which can be more expensive for vintage cars than for standard ones, as replacement parts can be harder to find.

What add-ons are available for a classic car insurance policy?

Restoration cover

Restoring your car can take months or years. If your classic car is being restored by a professional, they might have motor trade insurance which protects your vehicle while it’s in their care. But it’s not a legal requirement and it might not offer enough cover for your classic car. Instead, you can get classic car insurance that covers your laid-up motor while it’s being restored.

Cover for vintage show display

You’ll be covered for dents and scrapes while showing your car, plus third-party liability just in case you bump into something or someone.

Track day racing

Whether you enjoy leisurely drives around iconic racetracks to show off your classic or take part in time trials to test its muscle, you’ll be covered for any damage or accidents. Your premiums are likely to be higher depending on how many races or events you attend.

Going abroad

Most car insurance policies with EU cover will give you the lowest level of cover that’s legally required: third party only. If you're involved in an accident and it was your fault, that means you’d have to pay for your repairs yourself which could be particularly expensive for classic cars. Read your documents carefully and ask your insurer about increasing cover to drive abroad if the standard cover with your policy isn’t enough.

Breakdown cover for classic cars

Vintage cars aren't always reliable, so make sure you have some sort of classic car breakdown cover. It won't necessarily be part of your classic car insurance policy as standard.

Some insurers offer breakdown cover as a policy add-on when you buy classic car insurance – carefully review the policy features and cost of the combined policy and compare it with standalone cover before deciding.

Look for policies with roadside assistance and local recovery and watch out for vehicle age limits. Some breakdown cover providers won’t cover classic cars because their age puts them at a greater risk of breaking down.

Compare breakdown cover

How can I reduce the cost of classic car insurance?

You can lower the cost of your classic car insurance by:

  1. Limiting your mileage

    The less you drive, the less likely you are to have an accident.

  2. Fitting a modern immobiliser and tracking device

    As well as being great deterrents, a tracker can help to recover your classic car if it is stolen.

  3. Joining an official car club

    Some insurers will see your car club membership as evidence of your dedication to taking care of your car, and give you a discount.

  4. Paying annually

    You’ll be charged interest if you pay for car insurance monthly, so paying yearly is cheaper.

Tools and calculators

[1]We do not offer a full comparison service on classic car insurance at but instead have provided links to some companies that offer classic car insurance quotes. These companies are not listed in an order that indicates that one is better than another but are instead ordered in line with our commercial arrangement with each one. Please remember, as different companies offer different policies, it is up to you to choose the one that best suits your needs.

[2] introduces you to it's Classic Car Insurance Services and Lancaster Insurance Services to provide classic car insurance quotes. it's Classic Car Insurance Services and Lancaster Insurance Services are authorised and regulated by the Financial Conduct Authority.'s relationship with it's Classic Car Insurance Services and Lancaster Insurance Services is limited to that of a business partnership, no common ownership or control rights exist between us.