Vintage Car


To take advantage of our great antique car insurance rates, request a vintage car insurance quote by filling in a few short details below, and one of our team will call you back.


You will need vintage classic car insurance if you’re the owner of a vintage car. Any vehicle manufactured between 1919 and 1930 may be classified as a vintage car, according to major car clubs. The parameters can vary, but whenever your car was built, we’ll do our best to build you the bespoke policy it needs.

Vintage car values can change quickly based on market demand, so it’s important to make sure your agreed value is regularly reviewed. We can offer free agreed valuation, or you can choose to have your car valued independently.

Having a specialist policy for your vintage car is vital if you want to protect it for what it’s worth. You can also take advantage of discounted premiums with limited mileage discounts, and you’re covered if you want to exhibit your vintage vehicle at shows.



What is the difference between vintage and classic cars?

Although there isn’t a set definition for both vintage and classic cars, a classic car is typically a car that is 15-20 years of age or older, and desirable as a collectible. Vintage cars are vehicles that were manufactured between 1919 and 1930, although the timeframes can vary. The common denominator is that they both have timeless designs and are owned as cherished vehicles.

Can I get vintage car insurance immediately?

Yes. Once payment has been arranged for your vintage auto insurance, cover will be in place immediately.

How to insure a vintage car

Before you begin to insure your vintage car, check your vehicle is eligible for a vintage car insurance policy. Speak with a specialist provider about your cover needs, such as how many miles you’ll be driving each year, and whether you exhibit your vintage car at shows. We’d be happy to arrange a bespoke quote with competitive rates, simply give us a call on 0121 248 9229.

What cars are eligible for vintage car insurance?

If your car was manufactured between 1919 and 1930, your car is most likely vintage. If you’re unsure as to whether your car is eligible for vintage car insurance, you can get in touch with us here. If your car isn’t eligible for vintage car insurance, don’t worry – we can still cover it! We offer many other types of specialist vehicle insurance to suit your needs, including classic car insurance.

Does a vintage car insurance policy cover me for driving other cars?

No. Traditionally, you would already have this with your standard car insurance. We recommend checking this in your Certificate of Motor Insurance. Our multi car insurance can cover you to drive other vehicles, if you are over 25 and your everyday cars are on cover with Heritage Insurance. The other car must be insured, not owned by the policyholder, and for emergency use only.

My vintage car isn’t finished yet; can I get insurance while I’m restoring it?

Yes, providing the car is garaged we can provide laid up insurance.

What is the difference between vintage vehicle insurance and standard insurance?

The main difference between vintage vehicle insurance and standard car insurance is that the majority of standard car insurance companies don’t offer agreed value, which is what protects the value of your vintage car. You can also take advantage of discounted premiums with limited mileage discounts.

How can I make a claim on my antique and classic car insurance?

To make a claim on your antique vehicle insurance policy, in the first instance you should contact your insurance company first. If you can’t get through to your insurer or can’t find their details, you can get in touch with us by calling 0121 246 9090 from Monday to Friday between 8:30am to 5:30pm and on Saturdays between 09:00am to 1:00pm. If you need to get in touch outside of these hours, you can call our 24-hour claims line on 0121 248 9477.


Alongside your vintage car insurance, you may want some additional protection, for example against lost or stolen keys or your car breaking down. Unlike many other antique classic car insurance companies, Heritage offers a range of competitive optional extras – you can pick whichever ones suit your needs.

From breakdown cover and a courtesy car to get you out of a breakdown fix, to key protect in case your key gets lost or stolen, these are the little things that make a big difference.

Breakdown cover

Should you break down in the UK or Europe, our breakdown cover can provide roadside assistance and vehicle recovery or repatriation. Includes costs covered for onward travel and overnight accommodation where needed.

Key protect

Protect yourself against the cost of replacement keys and locksmith callouts, if either your car or home keys go missing. Up to £1500 of cover is available with Heritage key protect insurance.

Motor legal

Motor legal protection insures you against the potential costs of uninsured loss recovery, personal injury claims support in the event you get injured in an accident, and other legal costs.