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Classic 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.

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  • What does classic car insurance include?
  • FAQs
  • Useful links

Jump to section

  • What does classic car insurance include?
  • FAQs
  • Useful links

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. 

Classic car insurance advice and FAQs

What does classic car insurance include?

Like standard car insurance, classic car insurance comes in three different levels of cover:

  • 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.

It’s worth noting that while these different levels broadly cover the same risks and events, insurers set their own specific terms, conditions and exclusions. With that in mind, when you’re comparing classic car insurance quotes online, it’s vital to familiarise yourself with exactly what is (and isn’t) covered to avoid unwanted surprises. 

Another aspect of classic car insurance you should be aware of, is the ‘agreed value’ of your car. This is how much you and your insurer agree that your car is worth. 

With classic cars, the agreed value can be different from its market value so it’s crucial that you settle on this before you take out your policy. Also known as an ‘agreed valuation’ or ‘agreed value cover’ this will be the amount you receive if your classic is declared a write-off (less your agreed excess). 

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 does a car need to be for classic car insurance?

There are different ways of defining a classic. For instance, if you consider a classic car is 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 2020, a classic car is one that was built before 1 January 1980; in 2021 it will also include cars manufactured before 1 January 1981 and so on. 

For tax purposes (like benefits in kind) a classic car is one that’s at least 15 years old. In terms of insurance, again, it really depends on the insurer as they’ll set their own definition (which is another great reason to compare classic car insurance quotes).

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.

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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