a classic convertible car parked

Classic Car Insurance

Carole Nash offers priceless peace of mind to drivers of classic vehicles. With various levels of insurance to pick from, you can protect your second car the way you want to.

Get a classic car quote online   Retrieve a quote

Protect your classic car with cover through Carole Nash

We pride ourselves on being one of the leading classic car insurance brokers in the UK, helping thousands of drivers find the right cover for them.

We offer:

  • Modern Classic Car Insurance
  • Key cover
  • Wedding car cover

You can get a classic car insurance quote online or call 0333 005 2295 to speak to our friendly team. Need to add some optional extras or breakdown cover? Let us guide you through the process so you can secure a policy you're happy with.

What our customers say

What's included?

When selecting our Classic Car Insurance, we offer three tiers of cover for you to pick from. Choosing Essentials will make sure the fundamentals are covered. Moving up to Classic provides an extra layer of protection, whilst our Premier tier gives further peace of mind.

BenefitEssentials Classic Premier
Breakdown cover (four levels of cover available)  
Legal cover up to £100,000 included   
Key cover   
Audio and Sat Nav cover   
Windscreen cover    
Manage your policy online   
24 hour claims service    

Benefits are subject to the cover level chosen. Please refer to your policy documents for details of what is included with your cover.

Get a quote online

Classic Car Insurance specialists

Here are just some of the reasons our customers come to us for Classic Car Insurance:

  • We’ve partnered with classic car insurance companies to provide suitable policies for over 35 years
  • We have a rating of ‘Excellent’ from thousands of reviews across all products on Trustpilot
  • We have gained recognition with numerous awards and commendations given to Carole Nash through the years
  • We appreciate that looking after your classic car is of the utmost importance. A normal motor insurance policy may not provide adequate cover, but we can help you find the specialist classic car insurance that befits your model
  • Our team boasts a wealth of expertise when it comes to classic car insurance


Breakdown cover for your classic car

Breakdown cover means that, if your classic car suffers a breakdown, you can call for help to get you moving again. We offer four breakdown levels for you to pick from: Roadside Only, Roadside and Recovery, Recovery and Homestart, and European Cover.

To find out more about what's included at each level, get a quote.


Claiming on your Classic Car Insurance

Need to claim for your classic vehicle? We're here to help. Our claims and breakdown assistance helplines are open round the clock. If you've been in an accident but don’t wish to make a claim, please remember that you still need to let us know, as per the conditions of your insurance.

Call 0333 005 2244

Classic Car Insurance FAQs

To help you understand more about classic car insurance, we’ve put together this list of frequently asked questions relating to cost, breakdown cover, driving abroad, MOTs and more.


Your pride and joy will likely have unique specifications and features that insurers will want to know about so they can provide the right level of protection. Your vehicle’s age and annual mileage might also affect the price of your premium.

When you take out a policy through us, agreed value is available. This means any settlement will be paid to reflect the changes or modifications you have made, rather than the car’s market worth.

You can get a classic car insurance quote online or call 0333 005 2295 to speak to our friendly team.

Classic cars aren’t driven on a regular basis or used for the daily commute like modern vehicles. Plus, the level of car care from the owner is usually higher. Therefore, they’re considered a lower risk by insurers and generally command lower insurance premiums. Classic car insurance also tends to increase at a much steadier rate.

While there are no set rules to define classic and vintage cars, there are many factors to be taken into consideration. Some people abide by the following breakdown:

  • Vintage cars were built before 1930
  • Vintage cars were built before WWI
  • All 40-year-old cars are exempt from road tax so can be described as classic
  • Classic cars were built following WWII

That depends on the level of cover you have taken out. If your classic car insurance policy is third-party only, you will not be protected if your vehicle were to be stolen. If your policy is third-party, fire and theft or comprehensive, then you will be covered – apart from instances where it was stolen due to the keys being left in the ignition.

At Carole Nash, we pride ourselves on delivering classic car insurance quotes for almost all types of manufacturers and models. From Ferraris and Fords to Minis and Morris Minors, we’ve got you covered.

If you intend on keeping your classic car off the road, you’ll need to get a SORN, which stands for Statutory Off-Road Notification. To do this, simply fill out the form online, call the DVLA vehicle service number on 0300 123 4321, or send a V890 form to the DVLA by post.

Most comprehensive classic car insurance policies include third-party only cover for driving in Europe, meaning you won’t be covered for theft, damage to your classic car in an accident, or if you break down. Check with your insurer and if your cover is limited, you can look to increase your level of insurance.

Some vehicles can experience a surge in value. This can be due to a number of factors, such as being featured in a film or TV show. The most common is its nostalgic value. As time goes by and the car is no longer being made, people with fond memories of it will want to own one. If you’re looking for a classic car insurance quote, get in touch with the team at Carole Nash today.

To determine whether you’re exempt from paying for annual MOTs and vehicle tax on your classic car, you need to look at when it was built or first registered. You do not need to get an MOT if the vehicle was built or first registered more than 40 years ago or if no substantial changes have been made to the car in the past 30 years. However, you should still carry out your own checks to make sure your car remains safe and roadworthy. Find out more on the Government’s website. 

It all depends on the type of modification you make to your vehicle. For example, common, one-off modifications such as to the wheels or steering wheel will not usually affect the cost of your classic car policy. Extensive alterations, however, are more likely to impact the price of your cover.

It’s worth noting that without modifications a lot of classic cars wouldn’t be roadworthy, so insurers do take this into account when calculating the cost of a premium.

Although all estimates will vary, there are a few things that will help you bring down the cost of your premium:

  • You have another vehicle you use day-to-day rather than your classic car
  • You have a very low annual mileage (usually somewhere between 2,000 and 5,000 miles)
  • You keep your vehicle in a garage, on a drive, or in a specialist lock-up

It’s natural to look immediately at price when considering a classic car insurance policy. But cheaper cover doesn’t always represent the best value for money. Sometimes by paying a little extra, you can benefit in the long run from further levels of protection.

Ultimately, it depends entirely on what you plan to use your classic car for. Always research the different policies carefully. For example, are you going to be travelling abroad often? If so, you’re going to need cover for when you’re overseas. Whatever your requirements, we’ll compare classic car insurance quotes and try to find the solution that’s most suitable for you.