Classic Car Insurance

Timeless icons of a bygone era, classic and vintage cars evoke strong emotions and a passion for motoring when cars had real ‘soul’. But beneath the romance, there’s the practicality of owning and running a classic car, including ensuring you have the right classic car insurance.

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Buying a classic car can cost a considerable sum of money, so it’s vital you protect your investment. At Park Insurance, we can make sure your beloved ‘Moggy’, that elegant MG, or your gorgeous E-Type Jaguar stays on the road and protected, whether you drive them once or twice a month, or your antique car is your ‘daily’ driver.


What is classic car insurance?

Unlike standard car or vehicle cover, classic car insurance considers the unique experience of owning and driving a classic or vintage car. There are many types of vintage car insurance available, but the one you are offered will be, in part, determined by the way you use the vehicle.

Do I really need classic car insurance?

Just like any other motorised road vehicle, your classic car must be insured for you to drive legally on the road. If you trailer your car to shows, event organisers may also insist on full insurance before they allow your vehicle on-site or to take part in any parade, for example.

This specialist insurance also takes into account the requirements of owning and driving a classic car, including the impact of rarity on value, lower average annual mileage requirements, and how the vehicle is stored when not in use. It also accounts for the car's age and its category.

For example:

  • Veteran cars (sometimes also referred to as antique cars) - built before 1919
  • Vintage cars – 1920 - 1930
  • Post-vintage – 1930 – 1945
  • Modern classics – typically over 40 years old (1980s onward), may MOT and road tax exempt

Types of insurance policies for classic cars

One of the most common types of classic car owners' insurance is agreed value insurance. Unlike actual cash value insurance, where the insurance company decides what your collector car is worth at the time of the loss, agreed value insurance means you will receive the agreed value of the car back in the event of a claim. This keeps you in control of the process and provides a truer, fairer representation of the financial investment your classic or vintage car represents.


How much does classic car insurance cost?

At Park Insurance, we use our position as preferred brokers to some of the UK’s biggest insurance providers to offer you a tailored vintage car insurance comparison service. With our help, you can source the best prices from insurance companies that are as passionate about vintage and classic vehicles as you are. They understand the unique value and character of classic vehicles, and as such, the policies we can source are both affordable and practical. You may need to answer a few more questions than usual about your vehicle, but the bespoke cover you’ll receive is well worth the effort.


Can I get insurance for a modern classic car?

The classic car world isn’t static, and as more vehicles reach that magic ’40 years’ marker, the number of cars considered to be ‘classic’ is growing. That early Capri may not be a 1930s Bentley, but it still has a charm all its own and is increasing in value. Talk to the team at Park Insurance, and they’ll be able to source insurance that’s affordable and practical too.

Can I get classic car insurance as a young driver?

Unlike other motor insurance, classic and antique car insurance is focused on the vehicle, rather than the driver. So, there is no reason why younger drivers shouldn’t be able to benefit from more accessible or competitively priced classic car cover.


Keep moving with Park Insurance

For over 30 years, Park Insurance has been at the forefront of specialist insurance. From antique car insurance for those glorious ‘horseless carriages’ of yesteryear to the classics of tomorrow, we understand not just insurance, but the passion you have for your car, too. You can keep the wheels turning by using our Get a Quote online form for an instant, no-obligation and completely free quote, or contact us today and talk to one of our car insurance specialists for more information.

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Give us a call on 0117 955 6835 or click on the button below and we will be happy to contact you to discuss your needs.

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