CLASSIC CAR INSURANCE
Best Hassle Free Classic Car Insurance For you
COMPREHENSIVE CLASSIC CAR INSURANCE FOR ENTHUSIASTS
Signature Insure understand the passion many classic car owners have for their car or collections and so do specialist insurers.
Whether your car is a Porsche 911 from the 90’s, a VW Beetle from the 80’s, a Jaguar E-type from the 70’s, or an Aston Martin DB5 from the swinging 60’s, sometimes specialist car insurance is needed for a piece of motoring heritage.
While many of our clients have difficulties finding the right type of classic, or vintage car insurance on the high street, by working with a specialist broker, it can be possible to secure a cheaper premium than you would for a modern car.
CLASSIC CAR INSURANCE FOR UNIQUE VEHICLES
Over 25? You will be able to get a cheaper classic car quote for your car compared to a standard premium if your vehicle is:
- Over 15 years old.
- Not your only car or used daily.
- Kept in a specialist lock up, garage or secure drive.
- Driven between 2,000 to 5,000 miles per year.
Classic car insurance providers know your car is your pride and joy and will be both well driven and cared for. If you belong to a classic car club, many will even give discounts as they know true car enthusiasts will go to great lengths to ensure their vehicle is always safe, on and off the road.
CLASSIC CAR MODIFICATIONS AND PREMIUM PRICE
Like any car policy, the insurer needs to be informed of any cosmetic or performance-based modifications, particularly as many classic cars may have undergone changes for safety reasons and to be roadworthy.
These may often include:
- New modern controls/dashboards
- Electronic ignition
- Engine rebuilds or replacements
- Power steering
- Enhanced fuel performance
- Respraying
The reason it is important for an insurance company to understand how you have upgraded your car is because these all push up the value and will impact the payout in the event of a successful claim.
While some vehicle modifications can add 10-15% to the price of your classic car insurance premium each, unlike with a standard policy, some are seen as evidence of an owner caring for their car which tends to be the basis for lower classic car premiums overall.
CLASSIC CAR POLICY EXTRAS
Many classic car owners want peace of mind from adding extras that align with how they want to enjoy their prized motor, and the protection they need to do so.
AGREED VALUE POLICY
Valuations on insured cars are based on comparable recent UK sales, so it is straightforward to know how much to payout to replace it.
One important extra to ask your specialist classic car insurance broker about is an ‘agreed price.’
With classic vehicles, particularly those that are unique due to modifications, the market price can vary massively based on demand at home or overseas from collectors.
As it is not such a simple matter to judge, a fair ‘agreed valuation’ can offer peace of mind with a fixed size of payout (minus any excess) if the worst happens and you need to claim.
OTHER EXTRAS CAN INCLUDE
Cover during restoration – be insured while tinkering with your pride and joy. Extra cover for classic car fairs or shows – covers any prangs as well as public liability. Track day cover – you will pay more depending on how often you race. Cover abroad – most policies include 90 days overseas protection.
The best classic car insurance companies understand the client, the vehicle, and the specialist classic car insurance companies that provide the best value levels of cover. Signature Insure provide the right industry connections for our client’s needs. We will find the right combination of cover and offer that lets you enjoy your classic car to it’s fullest. Call us today for a quote.
CONTACT US TODAY FOR A FREE CONSULTATION
Protect your timeless classic with our classic car insurance. Get a tailored quote and protect your car from all uncertainties.
FAQs
Find answers to commonly asked questions about classic car insurance.
When does a car turn classic?
Although cars over 40 years old are exempt from MOT’s due to age, and HMRC defines a classic car as one over 15 years old and over £15,000 value, insurers take a different view.