Classic Car Insurance
At Carole Nash, we pride ourselves on being one of the leading classic car insurance brokers in the UK, helping thousands of satisfied customers find the policies that are right for them.
Comparing classic car insurance can feel like a daunting task, but that’s where we step in to remove the hassle – freeing up more of your time to be spent driving around and taking care of your pride and joy.
You can get an online classic car insurance quote or ring 0333 005 2295 and speak to one of our friendly team. They’ll guide you expertly through the process and help you find a policy that works for you.
Our Classic Car Insurances
Classic car insurance specialists
We put a great deal of time and effort into understanding our customers and the classic car community, which means we are perfectly placed to source the vintage car insurance that is tailored to each driver.
If you drive a classic car, you’ll know that it’s different to everything else on the road. When you’re behind the wheel, with the style and character of the journey even more important than the destination itself, it feels like different rules apply.
In some cases, of course, they actually do! If your car is pre-1973, for example, then it’s exempt from road tax. If your car is over 15 years old, it could be classed as a classic and can receive reductions in policy price that reflect the care they require and the way they’re driven.
Apply a little loving care and your classic car will provide year after year of joyous motoring. No matter whether it’s a Morris Minor, Jensen Interceptor or a Classic Mini, we’ll have a vintage car insurance policy that’s perfect for your needs.
When is a car a classic for insurance purposes?
In order for you to be deemed eligible to take out a classic car insurance policy, your vehicle will generally be required to meet a combination of the following criteria:
- It’s more than 15 years old
- It’s used as a second car
Why should I take out classic car insurance?
Owners of vintage cars do drive differently – it’s unlikely you’ll be seeing a 300SL Gullwing on the school run or in a supermarket car park – so classic car insurers can assume you’ll be doing less mileage, and pass on savings accordingly.
Often driven more for pleasure than purpose, classic cars are less likely to be on the road in bad weather, and are often regular fixtures at events and rallies. Is this something that a standard policy will account for?
Perhaps most importantly, classic cars are an owner’s pride and joy. They need cover from an insurer that recognises their true value and understands the way they work. For example, modifications are an important aspect of vintage car ownership, as are repairs. They have to be just right, rather than done by the cheapest or nearest mechanic, which is why specialist classic car insurance offers you priceless peace of mind.
What comes as standard with my classic car insurance?
Every Carole Nash classic car policy comes with the following:
- Agreed value available
- Salvage retention rights
- UK and European breakdown and accident recovery
- Up to £100,000 legal expenses cover if you’re in an accident that’s not your fault
- Up to 15% discount for club members
- Choose your own specialist repairer
- Shows, rallies and events cover
How can I reduce the cost of my classic vehicle insurance?
Every car is different, which means classic car insurance quotes can vary. However, there are a few things that will help you bring down the cost of your premium:
- You have another vehicle that 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
Why should I choose Carole Nash for my classic car insurance?
Here are just some of the reasons why we’re among the top brokers for classic car insurance in the UK:
- We’ve partnered with classic car insurance companies to provide the best policies for more than 30 years, so you can rest assured we know our stuff
- We have a rating of ‘Great’ from 4,500 reviews on Trustpilot. You can read more about our excellent service in our customer testimonials.
- We have gained recognition with numerous awards and commendations down 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.
- We’re authorised by the Financial Conduct Authority, so you can compare classic car insurance with us knowing you’re dealing with a reliable company.
- Our team boast a wealth of expertise when it comes to classic car insurance, so you can be confident you’re dealing with the very best.
Get your classic car insurance quote today
A specialist policy can help you get the most out of your classic car insurance, adding value that modern, standard fully comprehensive cover – or adding your classic model to an existing modern policy – simply can’t provide.
At Carole Nash, we understand classic cars and their drivers, and we know that they’re best served by a policy as unique as they are.
To find out more about how Carole Nash can help you save on the cost of your policy while keeping your
pride and joy covered, get your classic car insurance online quote or call us today on 0333 005 2295.
Whilst classic car insurance is usually cheaper than normal motor insurance and the same factors are taken into account, insurers generally require it to fit a combination of the following:
- It’s more than 15 years old
- It’s driven fewer than 5,000 miles a year
- It’s kept in mint condition
- It’s used as a second car
And there are a few ways to drive down the cost of your classic car insurance quote even further:
- You have another vehicle that 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
- You are aged 25 or older
There are a number of different levels of breakdown cover for classic cars:
- Roadside: Someone will come to your location and fix the vehicle there and then.
- Local recovery: If your car cannot be fixed at the roadside, you’ll be taken to the nearest garage.
- National: This policy means you and your passengers can be taken to a location of your choice within the UK.
- HomeStart: Here, you’re covered if your classic car won’t start at home.
- Onward travel: If your car isn’t fixable, this policy includes car hire for three days, payment for public transport, or overnight accommodation.
- European cover: Here, you’re covered whilst you’re out on the road in Europe. This can be single trip or an annual policy.
It all depends on the type of modification you add to your vehicle. Although this does vary, it’s often the case that a single modification can add between 10-15% onto the cost of your classic car policy.
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.
Whilst there are no set rules to define classic and vintage cars, there are a number of 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 pre-1960 cars are exempt from road tax and so can be described as classic
- Classic cars were built following WWII
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 find the solution that’s most suitable for you.
