Second car insurance

If you own a specialist car and an everyday car, our second car insurance package is a convenient way to insure a modern and classic vehicle in one policy, saving you time and money.
Car mirror

The lure of owning a classic or vintage car is often irresistible. After all, few vehicles exude as much luxury and elegance as a limited-edition Aston Martin or a one-of-a kind Lotus Elan.

But, as the proud owner of a classic vehicle you’ll want to keep it in pristine condition. That’s why most vintage car owners use a second, modern car on a day-to-day basis.

How to insure your second car

If you’ve already got classic car insurance with us, extending this cover to your modern, everyday vehicle is easy. To get a second car insurance quote, we’ll just need some information about the vehicles you wish to include on your policy and any additional drivers who may use the vehicle.

Follow the link to our online quotation page and apply for your modern second car insurance quote today.

What are the benefits of second car insurance?

By insuring more than one vehicle on the same policy, you stand to receive discounted cover on the second, additional vehicle. RH promises to give you a quote that’s up to 10% lower than the renewal premium from your current modern car insurer, as long as the cover is ‘like for like’ – that is, directly comparable, the premium matches or exceeds RH's minimum premium for modern cars*, and you already have a specialist vehicle insured with RH.

Our second car insurance package also saves you time and hassle, as it means you only need to keep track of one insurance policy and one renewal date for both your vehicles.

If you own more than one classic vehicle and would like your everyday car to be insured on the same policy, RH also offer multi-car insurance. This is a handy option for vehicle owners looking to combine policies for several specialist vehicles together with a modern ‘everyday car’ (subject to the car meeting our standard criteria).

*RH's minimum premium for modern, everyday cars, is currently £240 + insurance premium tax (as at 18th December 2019).

For a second car insurance quote, get in touch on 0333 363 4525.


Request a quote 

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.