Car Insurance for your Classic Car

Not all mainstream Insurers will provide insurance cover for classic or vintage cars. However, at City Insurance we have teamed up with some of our leading Insurer Partners to drive down the insurance cost for your pride and joy. We have a range of carefully selected policies available to bring you the top quality cover you require, but at the best possible price.

If you own a classic car then it is important to have a bespoke policy that will cover any eventuality. We understand that your vehicle is unlikely to cover a huge amount of milage and may even be kept for long periods in a secure or locked garage. Perhaps your classic car is your second, or even third, vehicle. At City Insurance, we will take these and many other factors into account, enabling us to find you the best value quote in the market.

Our guide at the bottom of this page explains how your premium is calculated, and just as importantly, a few tips on how to reduce it.

Getting a no-obligation quote is quick and easy. Monthly premiums also available (Subject to status).

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What is Classic or Vintage Car Insurance?

The majority of the classic cars we insure are over 20 years old, however some cars over 12 years old could also fit into this category.

Our Classic Car Insurance cover offers ultimate levels of bespoke protection for your cherished vehicle. We will provide you with a tailor-made policy to match your personal requirements. So you will have peace of mind that your pride and joy is fully covered and that you are also getting a great deal at the same time.

Common examples of manufacturers in this category we insure include; Classic Mini Cooper, Classic Porsche, Classic VW, Classic MG, Classic Jaguar and Classic Triumph, plus many more. Whichever classic or vintage car you own, we strive to find you the best classic car insurance deal.

We are here to find you the best policy to match your needs. So if you are not sure what type of Car Insurance you require, or if your car falls into this classic or vintage category, please contact us and talk to one of our specialist advisors.

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0345 017 9795

How does having a Classic Car affect my premium?

When it comes to working out car insurance, premium calculation is largely based on risk. For example, if your classic or vintage car is more desirable it could be a bigger target for thieves, therefore increasing risk. Likewise, if the worst happened and your car was involved in an accident then parts and repairs would likely be more expensive because they could be more difficult to source.

On the other hand, there are certain factors that could mitigate the risk. And at City Insurance, we take these factors into account and explore all of the possible avenues for lowering your premium. For example, you could do less milage in your classic car, or it could be kept for long periods in a locked garage. Both of these examples would result in a decreased risk and better value premium.

Ultimately there are many factors which can impact your premium. The challenge is to find a comprehensive policy that will ensure your prized car is completely protected - but at the best price. That’s where we can help!

Other ways to reduce the cost of my premium?

Add an Immobiliser or Tracker – Your classic car is unlikely to have the same advanced advanced security features now standard in modern cars. Adding an immobiliser or tracker is therefore a good idea to help drive down your classic car quote.

Reduce Mileage – Simply by driving fewer miles you are lowering the risk potential for your insurer and your premium will reduce accordingly.

Increase Voluntary Excess – The higher excess you agree to pay, the lower your premium should become. On the other hand you will need to be prepared to pay more money in the event of a claim.

Secure Vehicle Parking Access – If you keep your classic car in a secure or locked garage, this again reduces the risk potential and can result in lowering your premium.