Classic Car Insurance
What is included with a Hagerty classic car insurance policy?
Fully comprehensive cover
Our policies are fully comprehensive as standard, including third-party liability insurance and cover for damage, fire and theft.
Agreed value
In the event of a covered total loss, you will be paid your vehicle’s full agreed value.* Not sure what your car is worth? Use our Valuation Tool.
European touring cover
Travel in Europe with third-party liability insurance, and damage, fire and theft cover.
Breakdown and recovery
Full breakdown and recovery assistance across the UK and Europe from the RAC.
Cover for young drivers
From 21 years old, if they have held a full driving licence for at least 3 years and have a separate, regular use vehicle.
Discounted premiums
Additional discounts for car club members and multi-vehicle policies.
Overheard in garages across the UK
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?
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.