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Classic Car Insurance – Compare Cheap Quotes
Whether you own a tax-exempt classic car that was manufactured more than 40 years ago, or your vehicle is a newer model but is considered a “modern classic”, it’s always a good idea to shop around for classic car insurance policies before you sign up for insurance.
Comparing quotes from a range of different classic car insurance providers in this way can help you find the right level of coverage for your classic car, and can also increase your odds of finding that policy at a more competitive price.
How much does classic car insurance cost?
It isn’t possible to give an indication of how much you’re likely to pay for classic car insurance without comparing real quotes, because classic car insurance providers take a wide range of variables into consideration when calculating your premium, and each provider will also give each of those variables a slightly different weighting.
For instance, as well as your classic car’s age, make and model, insurance providers will also include things like your own age, how long you’ve held your licence, where you live, your driving record and your history of no claims in the insurance premium calculation.
The best plan is to compare classic car insurance quotes from a wide range of different providers, and then go with the one that offers the best policy at the most competitive price.
Does every car insurance company insure classic cars?
No, some mainstream insurance providers may be unable to offer you a classic car insurance policy, particularly if the classic car doesn’t meet that insurer’s underwriting terms.
In addition, some standard car insurance providers may offer to insure your car at its current market value, rather than it’s value as a classic car, which means your vehicle could be underinsured. That’s why it’s always a good idea to check with specialist classic car insurance providers to see what they can offer.
In most cases classic car insurance specialists will be able to offer you ‘agreed value cover’, which means you will be covered for the vehicle valuation you agree with the insurer rather than the car’s market value.
Is a classic car’s agreed value always higher than its current market value?
Yes, it should be.
Unlike current market values, your vehicle’s ‘agreed value’ can take into account the fact that your car is a classic, which means the agreed value should be higher.
How can I find cheaper classic car insurance?
There are a few things you can do to help increase your odds of finding cheap classic car insurance quotes, including:
- Ensuring your current policy doesn’t auto-renew: Your existing provider’s renewal quote is rarely the cheapest option you’ll find, so rather than letting your policy auto-renew you should shop around for cheap classic car insurance quotes each year.
- Parking your classic car in a garage: Cars that are parked in a locked garage are less likely to be targeted by thieves, and are also less likely to be involved in an accident while parked.
- Agreeing to pay annually: Paying for classic car insurance via a monthly payment plan is often more costly than paying annually, because monthly payment plans incur interest.