Car Insurance

Designed specifically for classic, vintage and future classics cars.
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A proven passion for specialist cars

From iconic models to future classics, we've been providing specialist and classic car insurance for over 40 years. As a leading arranger of specialist and classic car insurance, we understand your love of cars and we get that you need a special kind of insurance policy.

Designed specifically for classic cars, vintage cars and future classics, the policy you will get from RH Specialist Vehicle Insurance can represent the true value of your car and can be tailored to match your exact requirements.

You make buying insurance an absolute pleasure. 

Mr R Grove, Norfolk
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Request a quote 

To make your enquiry via our website please follow the link below and complete our online questionnaire.

Broad specialist car cover

  • Vintage, veteran & classic cars
    If your vehicle is older than 20 years of age, and not used as your main mode of transport, it may be eligible for a classic insurance policy.
  • Future & instant classics
    If your vehicle is 11-20 years old it could be a ‘future classic’ or if you own a rare, exotic or out of production vehicle which is less than 11 years old, it could be an ‘instant classic’ providing it’s not used as your main mode of transport.
  • Multi vehicle
    We can combine your collection of modern and everyday cars onto the same policy as your specialist cars. This means you can enjoy the convenience of them all being managed in one place.
  • Modern cars
    If you already have a specialist vehicle insured with RH, we can provide a quote for your everyday modern car too. Please call us before the next renewal date to discuss.
  • Benefits that come as a standard

    • Cherished salvage
      Unlike other insurers, free and automatic return on all vehicles over 20 years old.
    • UK & European accident & breakdown recovery
      All policies come with UK & European accident & breakdown and recovery, including home service, as standard.
    • European cover
      You are automatically covered for up to 90 days in any one trip.
    • Personal accident cover
      Up to £5,000 while travelling in any private vehicle.
    • Unlimited windscreen cover
      Nationwide replacement windscreen service (subject to a £75 replacement excess or a £10 repair excess).
    • Rallies cover
      Automatic cover included for club rallies.
    • Dismantled parts
      Covered up to the value of the vehicle (subject to being kept in a locked garage or building).

    Optional extras to tailor your policy

    Combine your classic, specialist and modern vehicles onto a single insurance policy, saving time and money.

    The fewer miles you travel in a year, the less you pay.

    Is your classic taking a break or awaiting restoration? This cover is available for your vehicle, and its accessories and spare parts, providing they are kept in a locked garage or building. Cover also applies whilst your vehicle is temporarily out of storage (i.e. whilst you are exhibiting it or having it repaired in the UK) and whilst in transit to or from the exhibition or repairer's premises. The ‘Agreed Value’ option is available on all laid up policies. Cover will not be in force if the vehicle is driven under its own power. An added benefit of our laid up cover is that you can increase the value of your vehicle as and when required, without being charged an administration fee.

    We understand that you may have spent thousands restoring your vehicle to perfect condition, so you won't want to accept a 'Market Value' settlement in the event of a total loss. We can offer an agreed valuation, at no extra cost, on your policy if your club insurance officer or an independent expert inspects your car and agrees an appropriate level of cover to reflect its true value, so there will be no nasty surprises if the worst does happen. The vehicle needs to be kept garaged to qualify for ‘Agreed Value’ cover.

    Spread payment over 10 months by direct debit facilities.

    Legal costs and expenses are covered up to £100,000. The policy covers you against the legal costs and expenses incurred in the pursuit of a civil claim against a defendant arising from a road traffic accident resulting in:

    - damage to your vehicle
    - damage to your personal property
    - your injury or death

    Please refer to our policy booklet for full details.

    The minimum excess is £50 but could be higher depending on underwriting criteria.

    When left unattended, reasonable precautions need to be taken to prevent theft, including removing the keys and locking the vehicle.