Car Insurance

Classic car insurance

Classic cars are expensive, rare antiques – all the things you love about your classic car are the things you’ll hate about getting it insured.

If you drive a classic car and are looking for the best deal on car insurance, it’s important to compare policies from different insurance companies to find suitable cover at the lowest price. A company that specialises in insurance for classic cars could offer you a better price than a traditional insurer - but be sure to shop around.

* 12% of customers who received a motor insurance quote between 1st January and 31st March 2009 and provided a best alternative price saved £205.80

Why classic car insurance is different

If you try to insure a new car with a standard insurance company, you’ll be asked how old it is. Many insurers won’t consider a car over a certain age, and they’ll almost certainly refuse to give you breakdown cover if your car is over 10 years old.

Your classic car is probably your pride and joy, so you’ll want fully comprehensive insurance. This can be a problem for insurers, as it will be difficult to find replacement parts for your car if you have an accident. The parts won’t only be hard to track down – they’ll be expensive too. All this will drive up the cost of your insurance.

Save money on your classic car insurance

There are some benefits to owning a classic car in terms of insurance. Classic car owners tend to be very proud of their vehicle, and keep it in pristine condition. This means driving carefully and covering fewer miles, as you’ll probably have a second car for everyday use. Find an insurer that will take these things into account and give you a good no claims discount.

How to find cheap classic car insurance

Don’t just ask for quotes from the leading insurers like Direct Line and Esure. The cheapest classic car insurance goes to the drivers who really do their homework and look around for specialist insurers that will cater to their needs.

As well as saving money on your premiums, specialists will be able to offer insurance packages that are tailored to the needs of classic car owners. This might include cover for items stolen from soft-top cars, which many standard insurers will exclude.

The best way to find a good classic car insurance deal is to shop around – get as many quotes as you can from different insurers. Car insurance companies are desperate for you to sign on the dotted line, so you should tell each one that you’re shopping around.

Ask if they can match or better your lowest quote, and don’t stop asking for quotes until you’re satisfied you’ve got the best deal going for classic car insurance.

* 12% of customers who received a motor insurance quote between 1st January and 31st March 2009 and provided a best alternative price saved £205.80

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