Classic Car Insurance

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Classic Car Insurance

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What is the difference between classic car insurance and regular car insurance?

Regular car insurance treats classics like everyday vehicles, assuming high mileage and standard market value. Our classic car insurance has been specifically created for vehicles that are cherished and driven sparingly, with agreed value cover to protect what your car is really worth. Plus, every policy includes UK and European breakdown and recovery assistance as standard.

How many classic cars can I insure on a single policy?

You can buy cover online for up to six classic vehicles under one policy. If you’re lucky enough to have a collection larger than that, please call our friendly, UK team on 0333 323 1138.

Can you provide classic car insurance for young drivers?

It’s so important to us to support the next generation of enthusiasts, which is why we’re proud to be able to offer classic car insurance for under 25 year olds. To qualify, you must be at least 21 years old, have held a full driving licence for at least 3 years and also have a separate, regular use vehicle. Not sure if your vehicle is a classic? We cover almost everything from VW Golf to Mazda MX-5 and from BMW 318 to Ford Fiesta.

When does a car become a classic?

At Hagerty we can provide an insurance quote for your classic vehicle if it’s at least 15 years old and will not cover more than 5,000 miles annually. As the driver you must also be at least 21 years of age and have held a full driving license for at least 3 years. Here are just some of the types of vehicles we insure:

Veteran Cars (pre-1910)

We insure veteran cars and tricycles from the dawn of motoring. As long-time sponsors of the Veteran Car Run, Hagerty have a unique insight into these wonderful, pioneering motor vehicles; we even own a 1903 Knox Runabout!

Vintage cars (1911—1950)

The development of vintage cars over this period was extraordinary, moving from hand-built machines for the few to mass-produced motoring for the ordinary person on the street. As such, vintage cars can be difficult to value, but Hagerty’s specialists track the market diligently, providing unrivalled valuation services.

Classic cars (1951—1979)

The majority of our business falls in the classic car era, the golden age of motoring. This is the time when many of the models we all know and love were created by such evocative names as Jaguar, Porsche, Ford and Austin Healey. We insure everything from popular classics such as the MG B to exotics such as the Lamborghini Miura.

Modern classics (1980—2000)

We love post-1980 modern classics. These wonderful models offer a great combination of classic styling with a more modern driving style, often making them great first classic cars to own. With values soaring in the last few years, Hagerty have been at the forefront of helping to maintain this important part of our motoring heritage through our Festival of the Unexceptional.

Emerging classics (post-2000)

We often insure post-2000 vehicles that were developed as concept cars or in very limited numbers. These emerging classics are starting to become collected. This part of the market is thriving, and Hagerty have been insuring their owners and tracking their values in ever-increasing numbers. These are the classics of the future.

Historic race cars

As active sponsors of the IMSA, VSCC and the HRCR Touring Series, Hagerty understand the unique challenges of insuring, storing and transporting historic racing cars. Over many years, we’ve offered insurance products to cover a huge range of race cars, from classic rally cars to historic F1 cars.

What does classic car insurance cover?

Our classic car insurance is designed for enthusiasts who want comprehensive cover for the vehicles they love. It includes fully comprehensive cover for vehicles aged 15+, from pre-war models through to emerging classics.

With a Hagerty UK classic car insurance policy, you’re covered to drive your classic vehicle in the UK and across the European Union, with RAC breakdown cover included as standard. Agreed value* is also included at no extra cost.

What qualifies as a classic car?

At Hagerty UK, we define a classic car as a vehicle over 15 years old, covering everything from pre-war favorites such as the Austin 7 and much-loved vintage cars like the Morris Minor, through to more modern classics like the Mk1 Audi TT.

What does ‘agreed value’ mean?

Agreed value is the value you and your insurer agree your vehicle is worth when you take out your policy. Unlike market value which can fluctuate, your agreed value stays the same throughout the policy.

If your vehicle is involved in a covered total loss, the agreed value is the amount we’ll pay, less any excess.

Unsure what your vehicle is worth? Get an instant valuation using our free Valuation Tool.

Does classic car insurance cover me when I attend shows and events?

Absolutely. We believe classic cars are meant to be enjoyed, driven and shared with other enthusiasts. Our classic car insurance allows you to take your pride and joy to shows and events, so you can make memories knowing you’re covered.

Can I drive my classic car abroad?

There’s nothing quite like taking your pride and joy abroad. Our classic car insurance allows you to drive your vehicle in the European Union for up to 90 days, giving you the freedom to enjoy your classic beyond the UK.

Is breakdown cover included?

Yes. Breakdown and recovery assistance from the RAC is included with our classic car insurance policies, so you have support in the UK and Europe should you need it.

Is classic car insurance cheaper than standard insurance?

Classic car insurance can often be cheaper than standard car insurance because classic cars tend to be driven differently.

Many enthusiasts use their classics for weekend drives and social trips rather than daily commuting. They also tend to cover fewer miles and are often well maintained, which can mean a lower level of risk.

How do I calculate my annual mileage?

The best way to work out your annual mileage is to think about how you typically use your vehicle each week. Add up your usual weekly milage for social trips and errands, multiply by 52 and then add some extra miles on for longer journeys and road trips.

Another great way is to look at previous MOT certificates (if your vehicle isn’t MOT-exempt) to get an idea of how many miles you’ve covered in the past.

Can I insure multiple classic cars?

Absolutely. At Hagerty UK, we know that one classic car is often just the beginning! You can get cover for up to six classic cars online today. If your collection is larger than that, give us a call and one of our team will be happy to discuss your requirements and provide a quote.

Can I get a discount if I am a car club member?

Yes, if you’re a member of a recognised car club, you could save money on your classic car insurance policy with us. Please give us a call to find out more.