GREAT VALUE SPECIALIST CAR INSURANCE
As lovers of classic cars ourselves, we’re proud to offer affordable classic insurance services. With over 55 years’ experience as a classic car insurance broker, you’re in safe hands with Heritage.
Protecting your cherished, classic car is our priority – so we offer low cost classic car insurance that’s reliable, competitive and meets your needs.
Classic car club members can also enjoy a discount of up to 15% – as can members of the Military Vehicle Trust, Green Lane Association, or NHS staff.
JUST SOME OF THE CLASSIC CARS WE COVER
From UK-built to imports, kit cars to vintage motors, we can insure a range of classic vehicles. Some of the most common and popular classic car brands we can cover include:
If you don’t see your cherished motor, don’t panic – this isn’t an exhaustive list. And, with some classic cars falling into insurance group 1, your premiums could work out lower than you might expect. Just give us a call to discuss your specific requirements on 0121 248 9229.
HOW OLD DOES A CAR HAVE TO BE FOR CLASSIC CAR INSURANCE?
There are no hard and fast rules for what defines a classic car – although age often comes into classic car insurance criteria.
Most classic car auto insurance companies and enthusiasts agree that a classic will usually be an old car, at least 20 years old. But other cars, including rarities, special editions and performance cars, can also fit the ‘modern classic’ criteria for car insurance purposes.
Broadly speaking, a classic is typically a car that:
- isn’t widely available to purchase new
- is cherished
- has limited mileage on the clock
- isn’t being used as an everyday vehicle
- has some appeal as a collectible
CLASSIC CAR INSURANCE FAQS
Wondering if you can get cheap classic car insurance? Typically, classic car insurance tends to be cheaper than standard car insurance. This is because specialist vehicles are driven less, do less mileage, and are usually carefully looked after by their owners – all of which is reflected in the rates set by insurers. Of course, some rare or performance cars may be a bit more expensive to insure, but again, with limited mileage you’re going to see some savings.
The minimum age is 25 for a classic insurance policy through Heritage. In some circumstances we may be able to provide cover for drivers 21 and over, subject to strict terms and conditions. The maximum age for new policyholders getting classic car insurance with Heritage is 79 years; for existing clients there are no upper age limits.
No, generally you would already have this with your standard car insurance. If you are unsure, check your Certificate of Motor Insurance for the ‘Driving Other Cars’ wording.
Our multi car insurance does cover you to drive other cars, but only if you are over 25 and your everyday cars are on cover with Heritage Insurance Brokers. The other car you wish to drive must be insured in its own right, not owned by the policyholder, and for emergency use only.
Yes, we can offer a 15% discount for classic car club members, as well as members of the Military Vehicle Trust and Green Lane Association, plus to NHS staff. Just let us know which club you’re a member of when you request your quote.
Yes, a policy is available for your restoration project. Providing the car is garaged we can insure it on a ‘laid up’ basis, which covers your car for accidental damage, fire and theft. Remember to change this to standard insurance before driving your classic car to its first MOT after restoration, if an MOT is needed.
No garage doesn’t mean no classic car insurance; we may still be able to offer you cover. Just get in touch to discuss your situation and we’ll be happy to talk you through your options.