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Classic and vintage cars are more than just a mode of transport – they’re a labour of love. At mustard.co.uk, we understand that and it’s why we work with leading UK insurers to help you compare classic car insurance you can depend on.

Jump to section

  • Classic car insurance for young drivers
  • Insuring a modified classic car
  • What is an agreed value?
  • Who offers classic car insurance in the UK?
  • Useful links

Jump to section

  • Classic car insurance for young drivers
  • Insuring a modified classic car
  • What is an agreed value?
  • Who offers classic car insurance in the UK?
  • Useful links

How old is a classic car?

There aren’t any set rules about what counts as a classic car and there are several definitions. For example, if you consider a classic car as one that’s exempt from road tax (or vehicle excise duty) then the car needs to be at least 40 years old. 

The 40 years is applied on a rolling basis so in 2021, a classic car is one that was built before 1 January 1981. From 2022 it will also include cars manufactured before 1 January 1982 and so on. Cars over 40 years old are also exempt from MOTs. 

For tax purposes (like benefits in kind) a classic car is one that’s at least 15 years old. 

When it comes to car cover, the definition of a classic car really depends on the insurer. Some will even consider relatively recently made cars to be classics if they’re no longer being manufactured. 

What does classic car insurance cover?

Classic car insurance covers the same risks and incidents as standard car cover, but will also often include features tailored to older cars (for example, wedding hire cover).

There are three levels of cover available in the UK: 

  • Third party only – compensates other people for injury or damage you cause. Third party only won’t cover the cost if your car is damaged or destroyed.
  • Third party, fire and theft – in addition to third party only cover, insurers will compensate you if your car is stolen or damaged by fire.
  • Comprehensive – provides everything included under third party, fire and theft and will also compensate you if your car is damaged or destroyed in an accident.

Bear in mind that insurers set their own specific terms, conditions and exclusions so when you compare classic car insurance, it’s vital to familiarise yourself with exactly what is and isn’t covered to avoid unwanted surprises. 

How much does classic car insurance cost?

Factors that influence the cost of your classic car insurance quote, are very much the same as they are for standard car cover.

To work out your premium, insurers will consider: 

  • Where you keep your car overnight – securing your car in a locked garage is considered the best method to attract the lowest premiums. If that’s not practical, think about  investing in an immobiliser like a steering wheel lock. 
  • Your claims history record – fewer claims can lead to lower premiums.
  • Your driving history — premiums are typically higher if you’ve got penalty points and driving convictions
  • The number of miles you drive – the more miles you do, the higher your premium is likely to be.

Is classic car insurance cheaper than standard car cover?

Classic car insurance can cost less than standard policies because older cars are usually driven less and are typically used for leisure rather than commuting. 

Some insurers will also set a limit on the miles you can cover, which is likely to lower premiums, as there’s less chance of being involved in an accident. 

Policies can also work out cheaper if you join a classic car club as some insurers will offer members a discount. Before you sign up to a group, always check the cost of membership doesn’t outweigh any reduction you get. 

Do all insurers offer car insurance for classic cars?

Most mainstream insurers offer classic car insurance but specialist providers also exist. Always remember that the right policy for you will be one that fits your needs, which is why it’s important to compare quotes rather than assume a specialist will always be better. Take a look at our providers here.

Why compare classic car insurance?

If you’re the proud owner of a classic car, you’ll want a policy that gives you the specific protection you need. Comparing classic car insurance quotes online means you can find a policy that suits both your needs and your budget. 

It’s easy and quick, simply answer a few simple questions about what you’re looking for, or if you’d prefer to speak to an expert contact our call centre on t: 0330 022 8814.

Classic car insurance advice and FAQs

Are classic cars cheaper to insure for young drivers?

There’s no straightforward answer to this and it really depends on a combination of your own circumstances and the terms of your policy. 

Generally speaking, car insurance for young drivers costs significantly more than the average. That’s because statistically speaking, young drivers are more likely to be involved in an accident – increasing the chances of a claim being made. Driving a classic car doesn’t necessarily reduce the risk of an accident and in some cases, insurers could consider that it increases the risk because there are fewer safety features in older cars. 

On the other hand, classic car insurance quotes tend to specify a limited mileage – for example, you shouldn’t exceed 3,000 miles annually. Limiting the mileage so you are (in theory) spending less time on the road can help lower premiums. 

Joining a classic car club could also result in lower premiums as some insurers will offer members a discount. But before you sign up to an association, firstly check whether it entitles you to a discount off your insurance and secondly, that the cost of membership doesn’t outweigh any reduction you do get. 

Otherwise, factors that can influence the cost of your classic car insurance are very much the same as they are for standard car cover. For example:

  • Where you keep your car overnight – securing your car in a locked garage is considered the best method to attract the lowest premiums. If that’s not practical, it could be worth investing in security equipment like a steering wheel lock. 
  • Your driving experience – more years of (claim free) driving can lead to preferential premiums even when you’re considered a young driver. For example, if you’re 23 with six years driving experience, your premium is likely to be lower than for a 23-year-old who’s just passed their driving test. 
  • The number of miles you drive – while some insurers set a limit, not all of them do. If there is a limit, you can ask for it to be increased but the more miles you do, the higher your premium may be.

How old do you need to be for classic car insurance?

If you have a full driving licence you should be able to find classic car insurance in the UK regardless of your age, although if you’re over 25 you may find it easier to do so. If you’re over 25 you’re also more likely to find cheap classic car insurance compared to 17 to 24-year olds. 

Nevertheless, there are a number of specialist insurers out there who are happy and willing to cover younger classic car enthusiasts. So, if you’re passionate about vintage motors don’t assume you won’t be able to get a policy because of your age.

Can I insure a modified classic car?

You can, but cover will be at the discretion of the insurer. Modifications can also increase your premium, especially if it makes your car more powerful or desirable. 

You should always declare modifications. If you don’t, you risk invalidating your policy which means your insurer can refuse to pay out. 

What is an agreed value in classic car insurance?

This is when you and your insurer agree how much your car is worth. If your car is stolen or written off, your insurer will pay out the agreed value (less your agreed excess) instead of the market value, which could be much lower. 

Not all policies offer an agreed value but if you’ve spent time and money restoring your classic car, it could be a feature worth considering. 

Agreed value is also known as ‘agreed valuation’ or ‘agreed value cover’.

Who offers classic car insurance in the UK?

You can find classic car insurers right here – simply tell us what you’re looking for and we’ll bring back classic car insurance quotes based on your needs. 

When you compare quotes, be sure to check the policy documents and any conditions and exclusions set out. 

Low-cost policies might have high mileage limitations and you might need to add on additional features to bring it up to a level you’re happy with. In contrast, policies that look expensive may have a lower mileage restriction and fewer exclusions overall. 

Of course, that’s not to say cheap classic car insurance can’t be good value – just be sure to do your homework first so you don’t end up disappointed. 

Searching for classic car insurance quotes online with mustard.co.uk means you can compare a range of policies from different insurers in one place – saving you precious time. Plus, with our Cheapest Car Insurance Price Guarantee*, you can be confident about finding great value too.

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