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Classic car insurance: special requirements

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September 2, 2013
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Classic cars have a large and enthusiastic following around the world. Classic cars are not like ‘normal’ cars and classic car owners are not like other motorists, that is why it is important to find a policy that fits with their specific requirements.


The definition of what constitutes a classic car varies. The Government’s road tax duty exemption for historic vehicles is set at vehicles manufactured before 1st January 1973, but many enthusiasts think younger cars are classics too and so does Adrian Flux Insurance Services, with a broader definition of what makes a classic car including some cars as young as 5 years old.

Things to think about when insuring your classic car.

  • What value of cover do you need? The term ‘classic car’ doesn’t necessarily mean the car has to be expensive, but it is still important to get the right level of cover. Many insurers will only pay out the ‘market value’ of your classic car if you suffer a total loss. Agreed value cover means the insurer would assess your car and agree cover for its true value, so you won’t get a nasty surprise if you need to make a claim. This will give you added peace of mind that should you need to make a claim for a total loss, you will be paid the certified value of the vehicle (less the policy excess) as opposed to the current market value.
  • What do you use your classic for? Whether your classic car is a ‘project’, hobby, for special outings or as your main motor there is are policies to suit. By getting the right policy you can save money. If you participate in car club events you need to think about the amount of liability you can incur in such events. From the traditional Rolls Royce to more unusual alternatives, wedding car hire can be big business for classic car owners. Some insurers offer special policies which cover wedding hire use. For those who want to test what their classic car can do, track day or rally cover can also be available on some policies.
  • How many miles a year do you expect to drive the car? If these miles are limited, for example if you only use your classic car for shows and special occasions, you may be able to negotiate a lower premium. The fewer miles you drive, the more you can save. Limited mileage means that you don’t pay for more miles than you drive.
  • Are you planning an extended period of renovation or repairs? Will you garage the vehicle during winter months? If your car is going to be off the road for a while, you may be interested in ‘laid up’ policies which cover your car when it’s off the road. During this time the car is covered from theft or mishap.
  • Are you a member of a car owners club? If you are you may be entitled to discounts off your premium. Belonging to a car club or enthusiasts’ forum can sometimes give up to 15% discount off insurance.
  • Is your classic car modified? It may be necessary to use non-standard parts when restoring or repairing your classic vehicle, or you may choose to make changes to your car which alters how the car was at the time of production. Modifications can change the cars value or performance. It is important to make sure the mods are covered and to keep the insurance valid by notifying your insurer. Failure to disclose any mods can make the policy invalid, mean your insurance company won’t pay out in the event of a claim and can result in criminal convictions.
  • Read our blog to find out how to import a classic car from the United States to the UK.


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