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Is my car a classic or is it just old?

Classic car insurance is often cheaper than standard car insurance so it pays to own one when it comes to insurance.

What you don’t want to do is miss out on savings on your insurance because you’re getting standard insurance for your vehicle.

Her Majesty’s Revenue and Customs (HMRC) says a classic car is one that was built 15 or more years ago and has a value of £15,000 or more.

The confusing thing is that some insurers class a car that is 10 years or older as a classic too, so it all depends on where you get your insurance quotes from.

Generally, classic insurers will give you quotes for your car if it’s 10 to 15 years old, you have a relatively low annual mileage and you’re over the age of 25.

It’s worth checking out because you could save money on your car insurance.

How to save money on your classic car insurance

Classic car insurance is often cheaper than standard car insurance because insurers’ presume a number of things about their owners.

The first is that to own a car that old, you’ll have taken good care of it and that you yourself are a careful driver.

They’ll also assume a fairly low annual mileage because classic owners won’t want to run their old vehicles into the ground by using them for everyday trips and journeys.

Another way you can save money on your classic car insurance is by joining an owners’ club.

Insurers offer discount to club members because it shows they’re an enthusiast and that they’re more likely to look after their car carefully.

It’s worth noting however that it depends on your insurer and the club you join as to whether or not you get any discount.

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