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Free agreed value

We know how important it is to protect the value of your classic car, which is why we include free agreed value as standard.

European driving cover

Up to 90 days of travel in Europe as standard, across any number of trips. This can be extended up to 180 days according to your needs.

Salvage retention

Keep the salvage of your car for repair or parts in the event of a total loss, provided the car is not deemed ‘end of life’.

Multi car cover

Our flexible multi car cover allows you to put your classic and performance cars on one policy alongside your daily drives and any other vehicles you own. You can save up to 25% on your premium, with no limit on the number of vehicles you can include.

Cover for modifications

Classic cars need a few upgrades over their lifetime; we completely understand and are happy to cover these.

Club member discounts

Are you a member of a registered classic car club? If so, you could save up to 15% off your premium when you insure through Heritage.


  • European breakdown cover and home start
  • Glass cover
  • Replacement locks cover
  • Audio and sat nav equipment cover


Get classic car cover from as little as £73 per year.


If you need breakdown cover, or want motor legal insurance in case of a claim, we offer a range of helpful options for you to add to your policy if you so wish. Ask about our prestige package which combines some of the most popular optional extras for a saving.

Heritage motor legal

Protect yourself against legal difficulties you might have due to an incident on the road. You’ll have cover of up to £100,000 for any legal costs involved in claiming against an uninsured driver, as well as injury compensation claims and recovering uninsured losses.

Road rescue

Our road rescue cover will rescue you and your vehicle if you breakdown or your vehicle can’t be driven. This policy provides UK roadside repair and national recovery, including alternative transport and overnight accommodation if needed. You also get key assist in the event of lost keys or lock failure.

Personal accident cover

Our personal accident cover provides cover for up to £50,000 for bodily injury or death for you and your spouse, common law or civil partner. The policy covers you whilst either of you are driving your insured vehicle, or whilst you are a passenger in another vehicle.


What ages can you cover on a classic car insurance policy?

The standard minimum age that we can arrange classic car cover for is 25. In some circumstances we may be able provide cover for drivers 21 and over, subject to strict terms and conditions. The current maximum age for classic car motor cover is 79. You can read more about insurance cover for older drivers here.

Can I get agreed value from the start of my policy?

Absolutely. For vehicles valued under £30,000, we can set this up for you at the point at which you take out your policy. For vehicles worth over £30,000 we will require photographs prior to agreeing the valuation; if you are able to provide these in advance of your policy start date then it is usually possible to have your value set at the outset of your cover.

Can I insure a car before I buy it?

You can insure a car before you buy it, but you ideally should have at least committed in writing to make the purchase, or paid a deposit. You can set insurance to start from the date you collect or take delivery of the vehicle.

Can I insure my car for third party, fire and theft only?

This level of cover is not available on classic car insurance. However, we do offer laid-up/SORN insurance, which covers your classic against accidental damage, fire and theft.