Classic Car Insurance
Does Your Car Qualify For a Classic Discount?
Insurance Classic Car
Classic car insurance is designed for cars which are used as second vehicles, either for leisure driving or simply for taking to collector’s shows.
What Restrictions Are Imposed On Insured Classic Cars?
The general principle is that it shouldn’t be used as a main vehicle. How this is enforced varies.
Sometimes there will be more specific restrictions such as the car not being used for everyday driving such as commuting or shopping. While it isn’t always a specific policy requirement, it will often be expected that the policyholder will have at least one other car which they use as their main vehicle.
what If I Get Close To My Annual Mileage Limit?
It is very important not to exceed the limit without permission as this will invalidate the policy and mean a subsequent claim is rejected. Some insurers offer a range of mileage options and will let the driver change to a higher limit as long as they give advance notice and pay the extra premium.
How Can I Get A Discounted Classic Car Insurance Quote?
Many insurers will offer discounts to registered members of particular classic car clubs.
What Is The Replacement Value?
Because classic car prices often vary immensely, many insurers do not simply use a “book” value and instead agree a specific price for the insured vehicle.
What Other Differences Are There With A Classic Policy?
In most classic policies, insurers do not offer a no claims policy. This is because the low mileage limit means it is much less likely the driver will need to make a claim anyway.
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