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Modern Classic Car Insurance Quotes
The term “modern classic” isn’t very well defined, but a common rule of thumb used by some classic car aficionados in the UK is that if a car is more than 15 or 20 years old, but less than 40 years old, then it could be viewed as a modern classic. Classic cars become exempt from tax and MOT once they’re 40 years old, which is why the definition of a modern classic usually doesn’t extend beyond that age.
But no matter what type of modern classic you own, or how you define that term yourself, it pays to shop around for modern classic car insurance when you need to insure that car. By comparing policies from a wide range of different classic car insurance specialists you can increase your odds of finding the right cover at the right price, and all it takes is one short form.
Does it cost more to insure a modern classic than it does an older classic car?
Premiums can’t be categorised as simply as that, because providers will actually factor far more than the car’s age, make and model when they’re calculating your premium.
For instance, your own age, how long you’ve held your driving licence, your location, where you park your modern classic when you aren’t driving it, your driving record, and your history of no claims will all influence the cost of you modern classic insurance.
If I only drive my car for a few months of the year will this result in cheaper modern classic insurance?
Yes, if you only drive your modern classic occasionally then your annual mileage will likely be lower than if you use it on a daily or weekly basis, and lower mileage usually translates into cheaper insurance quotes.
What else can I do to increase my odds of finding cheap modern classic insurance?
Besides reducing your annual mileage, there are a number of steps you can take to increase your odds of finding cheaper insurance for your modern classic.
Firstly, you should shop around for the cheapest quotes by comparing policies from a wide range of providers.
Secondly, you should park your modern classic in your garage if you have one, because cars parked in a private garage often benefit from lower premiums.
Finally, you should forgo a monthly payment plan and agree to pay for your modern classic insurance upfront instead, because paying annually is usually a bit cheaper.