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Why use QuoteSearcher for Classic Car Insurance?
Lovers of classic cars will understand how precious these vintage vehicles are. The risks of owning and driving such a vehicle are increased due to the rarity of its parts the difficulty in making adequate repairs.
QuoteSearcher are partnered with a wide range of classic car insurance companies who understand that the best classic car insurance policies need to cover a wide range of aspects that differ from standard car coverage.
If you are an enthusiast or collector looking for a classic car insurance quote, don’t wait time filling our lengthy forms and searching through the ether online – just fill out our simple form to be put in touch with our panel of specialist antique car insurance companies who will work hard to give you a comprehensive policy at a competitive price.
Classic Car Insurance Features
Agreed Value Cover
Pays out a pre-determined amount for your vehicle in the event of a claim, ensuring you do not lose out if value fluctuates. Find out more about the Agreed Value Cover for classic cars.
Laid Up Cover
Protection for your vehicle if it is kept off-road, either in a garage or driveway, while it is being worked on. Find out more about Laid Up Policies for classic cars.
Track/Rally Day Cover
Specialist insurance coverage if you use your classic car at a certified race track or rally event. This cover can be arranged accordingly
Modified Classic Car Insurance
If you modify your vehicle from factory standard, you will need specialist cover for these changes. Find out more about Modified Classic Car Insurance.
Some classic car enthusiasts travel to Europe for special events and therefore require cover for their time in the EU. Find out more about EU Cover for classic cars.
In the event of a breakdown, this feature will cover the cost of roadside recovery and your onward journey. Find out more about Breakdown cover for classic cars.
Factors Affecting Classic Car Insurance
You are required by law to have at least TPO (third party only) insurance coverage, however for a classic car this is often not enough to offer you the highest levels of protection. For this, you would need a comprehensive policy that covers all eventualities, including the features mentioned above.
In general, antique car insurance costs less than standard motor insurance for a number of reasons. Insurers generally believe drivers of vintage cars are more careful on the road, getting into fewer accidents and therefore presenting less of a risk. However, there are some prerequisites to collector car insurance to be aware of.
Your classic vehicle must be over fifteen years old to be considered as such; it must also be your secondary vehicle and should not exceed 5000 miles per year. Some classic car insurance companies require all or some of these elements to be met before providing a quote.
Reduce Your Classic Car Insurance Quote
There are a number of ways you can bring down the price of your antique car insurance rates and not just by driving carefully. Some of these include:
- Limited Mileage Car Insurance
If your classic car is only driven on very special occasions, you could benefit from limited mileage cover. You can agree a set mileage with your classic car insurance broker (usually around 1500 per year) which would then count towards a reduced premium
- Car Club Membership
Car club membership is an excellent way to help reduce the cost of your collectors’ car insurance quote. Some brokers can offer a 25% reduction for drivers that are part of a club, and you can also reap the benefits of supplier discounts for spare parts and special offers on servicing
- Avoiding Modifications
With vintage cars, modifications are often necessary in order to make the vehicle roadworthy, however further modifications will heavily affect the price of your premium. All upgrades and changes must be disclosed to your collector car insurance broker, as anything that adds value to the car itself will affect the amount you pay to insure it
- Extra Security Measures
If your vehicle is secure – kept under lock and key in a garage, fitted with an immobiliser, steering lock or alarm, for example – it will help to bring down the price of your insurance. Knowing your car is kept in a safe and secure condition will show brokers that it is less likely to be stolen or damaged.
Frequently Asked Questions About Classic Car Insurance
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