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Vintage Car Insurance – Compare Cheap Quotes
While the terms ‘classic car’ and ‘vintage car’ are sometimes used interchangeably, they aren’t the same thing.
Technically speaking HMRC classifies any vehicle that is at least 15 years old and worth at least £15,000 as a classic car, although many experts use the 40 year rule, because that’s when cars become tax-exempt as classic cars.
Vintage cars, on the other hand, are much older – they’re generally considered to be cars that were manufactured prior to 1930, which means vehicles like the Bugatti Type 35, the Austin 7 and the Rolls Royce Ghost are actually vintage cars rather than mere classics.
Given that these vintage models are quite rare they’re often worth a lot of money, and therefore often cost rather a lot to insure. But by shopping around and comparing vintage car insurance quotes from a wide range of providers you stand a better chance of finding the right vintage car insurance policy at the right price.
How much does it cost to insure a vintage car?
The honest answer is “it depends”.
Vintage car insurance specialists will take a wide range of risk factors into account when they’re calculating the premium for your vintage car insurance policy, so there’s no standardised average price you can expect to pay.
For instance, although your vintage car’s age, make and model will obviously affect the cost of your vintage car insurance, your age, postcode, driving record and no claims history will all affect your premium, and your estimated annual mileage, class of use, and where you park your car are all likely to play a role as well.
The best plan is to compare vintage 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.
Will my vintage car insurance be cheaper if I only drive the car occasionally?
Yes, there’s a good chance you will benefit from cheap vintage car insurance quotes if you only drive your vintage car very occasionally.
Unlike standard vehicles, many vintage car owners only drive their vintage motors a few days a year, while others may drive them regularly during the summer months before storing them safely until the following year. In either of those scenarios the vintage car is likely to spend a lot less time on the road, and clock up a lot less miles, than a normal car, which means their insurance premiums should be lower.
What does ‘agreed value’ mean when insuring a vintage car?
Unlike a regular, run-of-the-mill car, which usually has a valuation that lines up with its current market value, vintage cars are almost always worth more than their ‘current market values’ would suggest. After all, a vintage car’s heritage and collectability is one of the reasons it appeals to enthusiasts, which means those factors can dramatically increase the vehicle’s true value even though they aren’t factored into its current market value.
To get around that discrepancy, insurers will often list an ‘agreed value’ in their vintage car insurance policies, which is the value that the policyholder and insurer agree upon for that vintage motor.