From iconic models to future classics, we've been providing specialist, classic, and vintage 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 can represent the true value of your car and can be tailored to match your exact requirements.
Antique auto insurance needs to be provided by people who are experts in these kinds of vehicle. Your historic car insurance policy should be based on a real understanding of the value of your car, its rarity and the cost of preservation and upkeep.
Speak to one of our team for a quote designed for your needs.
To make your enquiry via our website please follow the link below and complete our online questionnaire.
You make buying insurance an absolute pleasure.
Mr R Grove, Norfolk
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.
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.
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.
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.
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.
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).
Automatic cover included for club rallies.
Covered up to the value of the vehicle (subject to being kept in a locked garage or building).
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.
The minimum excess is £50 but could be higher depending on underwriting criteria.
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.
When left unattended, reasonable precautions need to be taken to prevent theft, including removing the keys and locking the vehicle.
We understand how much you value your pride and joy, and we’d like to make you aware that your classic car insurance policy could be extended (for vehicles valued up to £50,000) to include our Self-Agreed Valuation for just £15.00 per vehicle.
If your vehicle is worth more than £50,000, we would require an agreed value certificate from either a recognised vehicle club or independent specialist. Please note RH doesn’t charge an additional £15.00 per vehicle to agree your vehicle’s value if a club or independent valuation is provided.
If you’re interested in a Self-Agreed Valuation with RH, or would like to find out more, please read the important information below or click here to send us an email.
What are the benefits of a Self-Agreed Valuation?
Adding an agreed value option helps to mitigate the risk of financial loss and arranging your classic car or motorcycle insurance through RH means that your agreed value will be valid in the event of a total loss claim.
To apply for Self-Agreed Value, click here. We don’t have a defined period for re-declaring your agreed value. However, it’s really important to regularly keep abreast of your vehicle’s value – for example via auction results and classifieds. If you do want your agreed value to be looked at again, all you need to do is click here to send us an email.
How does an agreed valuation help with a claim?
In the event of a total loss claim, the amount paid will be the sum agreed on your Schedule less any policy excess.
Our Self-Agreed Valuation Process
Organising an agreed value with RH is simple and is completed via our bespoke online portal. The form will ask a series of questions including personal details and information about the vehicle being insured. You are also asked to supply a minimum of six current colour photographs of the vehicle (taken within the last couple of months).
Within 2 working days, our independent classic car expert will then set a value of the vehicle and you will receive notification confirming the sum for the insured vehicle which will be valid after we have contacted you to confirm we have agreed your vehicle’s value.
Who carries out the valuation process?
For vehicles valued up to £50,000, this is an RH Underwriter.
For vehicles valued more than £50,000, we would require a valuation certificate from a recognised vehicle club or independent specialist. All you need to do is click here to email the valuation certificate to us.
What happens if the value of the vehicle changes?
Should the value of the vehicle change during the period of insurance, then simply complete a new application form for a re-valuation (providing the value is below £50,000) by clicking here . If the value has increased above £50,000, all you need to do is email us a new valuation from either a recognised vehicle club or independent specialist by clicking here.
Please be aware that an additional charge applies for each valuation completed inhouse. In addition, a change to the insured vehicle value may result in a change in the insurance premium.
In cases where an agreed valuation has not been confirmed with RH, a total loss claim will be paid at the current market value of your insured vehicle (this would be an amount up to, and no more than, the sum insured).
Purchase your Self-Agreed Valuation with RH today!