For owners of classic and vintage vehicles who are considering building their own collectible car portfolio, there are specialist insurance considerations. Buying and selling rare veteran cars often requires immense passion and knowledge to source and maintain. The insurance needs are similarly advanced.
We offer collectors’ car insurance, tailored to offer protection to all manner of collectors’ cars, for collectors and enthusiasts across the UK.
What qualifies as a collectors’ car?
Collectors’ cars are traditionally vintage, veteran and classic vehicles. How people categorise them can vary and there are many sub-category groups, ranging from the era they were built, to their general availability on the classic car market. They can be broadly grouped in the following ways:
- veteran vehicles – these were built before World War I
- vintage vehicles – these were built between 1919 and 1930
- post vintage vehicles – these are typically those built between the 1930s and the end of World War II
Collectible car insurance will cover your vehicle for its specific needs, as determined by age, its condition, and its value.
Collectors’ car insurance quotes
For a bespoke collectors’ vehicle insurance quote, get in contact with us now on 0333 230 4851.
Benefits that come as a standard
Optional extras to tailor your policy
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.
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
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.