Future classic and modern classic car insurance

No longer does a car have to be a hand-constructed, stick shift vintage to be considered a classic automobile. In fact, modern classics are some of the most popular cars for collectors and investors alike.
Modern classic car body

What makes a modern classic, or a future classic car?

Future collectible cars can be defined by their impact on culture, their styling, their scarcity and – perhaps most importantly – the nostalgia they evoke. On its vehicular merits alone, few might have expected the Delorean DMC-12 would ever achieve classic status. However, this 1981 model, immortalised by Marty McFly in Back to the Future, has now achieved an iconic and classic vehicle status.

The age of your vehicle does not necessarily determine whether or not it has future classic status.  Providing you don’t use your vehicle as your main method of transport, and you have access to an everyday vehicle, we may be able to provide tailored insurance for your modern or future classic as a specialist car.

Irrespective of age, if you consider your vehicle to be a classic, it might qualify as an ‘instant classic’. These late-model vehicles may be set to become great classic cars, so there is incentive to make sure they are adequately protected with modern classic car insurance until they mature.

You want to know that your insurer understands your car’s future classic status – whether it be a Maserati 3200 GT or a 2000 Ford RS Focus. With a proven passion for specialist vehicles, you can be confident that by arranging your insurance with RH Specialist vehicle insurance, your vehicle will receive the specialist cover it deserves.

Future classic car or instant classic – what’s the difference?

Some cars were built for classic status. If you own a rare, exotic or out-of-production vehicle, we will consider insuring it as an ‘instant’ classic. Our classic car insurance team are experienced and knowledgeable, allowing us to truly appreciate the merits of your car; whether a special edition, modified, or simply a car which made an indelible cultural mark as soon as it was released.

If you own a collection of classic, future classic, or instant classic cars – take a look at our collectors' car insurance and see how we can help protect your treasured collection.


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

Benefits that come as a standard

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.