Classic car insurance

maxmycardagain

What constitutes a "classic car" age wise?...

best broker for this?

daivid

Depends what you are after. I get cheap quotes (£67 this year) for Morris Minor just using a normal comparison site, just a standard comprehensive policy. If you want an agreed value policy which some go for to protect their 'asset' you will need a more specialist provider, equally if your car is particularly valuable or modified you may need to seek out a specialist directly.

I suspect classic car is a very subjective term, I would accept cars from the 80s as classics now, the early 90s might be fair as an early 70s car could have been seen as a classic at the turn of the millennium.

fatbelly

maxmycardagain said:

What constitutes a "classic car" age wise?...

Normally 20 years, can be less for certain marques, or clubs

caprikid1

There is no hard and fast rule on this, easiest way is to go to the relevant forum and ask who they insure with.

It will depend on many factors, your age (Reluctant under 25) the type of car, your location and whether it is the only car.

I have insured many classics over the years and been forced to use multiple insurance companies to insure them due to each having their own criteria around different models.

prettyandfluffy

If there is an Owners Club they will often have a preferred insurer.

DullGreyGuy

maxmycardagain said:

What constitutes a "classic car" age wise?...

best broker for this?

Depends on what you are looking at, for ULEZ exemption its vehicles over 40 years old, hence a London based classic car show has been cancelled this year because "modern classics" wouldn't be exempt. A rule of thumb is 25 years but certain clubs will accept more modern cars. 

Classic car insurance is a niche product, its strongest feature is a guaranteed valuation so there is no debating after a crash if yours was a "classic" worth £20k or a rust bucket worth £750. If you don't need a guaranteed valuation then you can certainly see what a policy costs via a broker but you're likely to get better prices via price comparison sites etc. 

Nobbie1967

When I had my Spitfire I used Footman James or Lancaster Insurance and never paid more than £100 a year. The cheaper policies tend to be those where the classic is a second car, not used for commuting and with a restricted mileage. If you want to insure a classic for everyday use, then I suspect the comparison sites are your best bet. When I last looked, most policies were for cars 25 years and older.

What car do you have?