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Classic Car

Insurance that covers your classic car(s) on the journey from dream to reality, with specialist benefits as standard that our customers really appreciate.

Benefits that come as standard:

Cherished salvage
Free and automatic return on all vehicles over 20 years of age. Most competitors only offer you the option to 'buy back' your salvage. So, with RH Specialist Insurance you will receive your insurance settlement and your salvage, free of charge.

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.

Classic Car Insurance

To make sure that your policy is relevant to your vehicle and your circumstance we offer the following, additional benefits as options.

Options for you to tailor your policy:

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

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

Laid up
Is your classic taking a break or awaiting restoration? This cover applies whilst your vehicle, and its accessories and spare parts, is 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 a broker administration fee!

‘Agreed Value’
We understand that if you've spent thousands restoring your vehicle to perfect condition. You don'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 by having either your club insurance officer or an independent expert inspect your classic and agree 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.

Uninsured losses - legal expenses
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.

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