Specialist vehicle insurance

Cover anything from your military vehicle to kit cars.
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A proven passion for specialist vehicles

We know that great vehicles come in all shapes and sizes, so we’ve created tailored cover for your specialist vehicles. 

Whether you are looking to insure an off-road, military, custom or vintage vehicle, a kit car, low loader or American model, we can arrange extensive cover for you, ensuring your vehicle has the protection it needs at every stage, from restoration to completion. 

Speak to one of our insurance specialists today.

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Request a quote 

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

Specialist insurance

  • Kit car
    Whether you have built your kit car in your garage or whether it was built by a professional, you can rely on RH to offer flexible cover – ensuring your vehicle is protected throughout its build process right through to completion and beyond.
  • Military
    Owning a military vehicle, such as a tank, jeep, amphibious or armoured car, can be difficult when it comes to registration and usage, and most will require modification to make them road worthy. We have 40 years’ experience of insuring military vehicles and are able to offer enhanced cover.
  • Benefits that come as a standard

    • Cherished salvage
      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.
    • 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).

    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.