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Compare classic car insurance in the UK

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How much does classic car insurance cost?

Comprehensive UK classic car insurance typically costs from £100 to more than £800 per year on average. Rates depend on the car’s age, model, market value, security features, mileage, where it’s stored and more. Limited-usage policies are cheaper than regular driving ones.

Specific factors that increase classic car insurance premiums include the following:

  • Vehicle value: More expensive classics cost more to insure. High-end models such as Ferraris or rare vehicles attract higher premiums
  • Mileage: Regular drivers will pay more than those covering limited annual mileage for shows or events
  • Security and storage: Garaging, immobilisers, tracking devices and alarms help lower premiums
  • Driver experience: Young drivers with limited experience may pay more for cover
  • No-claims bonus: Multi-year no-claims discount helps lower renewal costs
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What affects classic car insurance costs?

Key factors determining premiums include:

Vehicle usage

Occasional usage policies are cheaper than those covering a classic driven regularly. Most providers limit annual mileage.

Security and storage

Secure garaging, immobilisers, alarms and tracking devices help deter theft and reduce premiums.

Driving history

Those with previous convictions, accidents or inexperience may pay more for cover. A clean driver history can lower costs.

No-claims bonus

Earning a multi-year no-claims bonus on another vehicle helps reduce classic car policy costs.

Vehicle value

Insurers calculate premiums partly based on the car’s current market value. More valuable vehicles cost more to insure.

Tips for finding affordable classic car cover

  • Compare quotes from multiple specialist insurers familiar with classics. Premiums can vary dramatically
  • Join a classic car club. Many have partnerships with insurers and offer discounted rates
  • Consider adding a second experienced driver, such as a partner or parent. Their safe driving record can help lower costs
  • Improve security by fitting an approved alarm and immobiliser and consider a tracker for very valuable vehicles. Also, ensure garaging
  • Accept a higher voluntary excess to reduce premiums if you can afford the extra costs when filing a claim
  • Limit mileage for the least expensive occasional-usage policies
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Finding the best classic car insurance

The key is finding specialist insurers with competitive premiums and policy options tailored to your specific classic. Taking the time to shop around and compare should help you find affordable cover to protect your cherished vehicle.

Classic car insurance FAQs

In the UK, many insurers consider vehicles over 15 years old with a market value of more than £15,000 to qualify as classics. Limited-production vehicles 15-20 years old can also be covered.

Consider recent sale prices of comparable vehicles. Specialist classic car valuations from insurers, price guides and club experts help determine current market value.

Most classic policies limit annual mileage, with occasional usage being cheaper than policies allowing regular driving. High-mileage classics may need agreed-value policies.

Yes, garaging helps minimise the risk of damage or theft. If only parking on a driveway, consider installing security such as an immobiliser. Insurers may require secure storage.

Classics are cheaper to insure as they are rarely used, statistically safer when driven and meticulously cared for.

Comparing specialist insurers, joining a club, adding experienced drivers, garaging, limiting mileage, installing tracking devices and opting for higher excess can all help lower premiums.

Nick Jones

Editor in Chief

Nick Jones is a highly experienced consumer journalist and editor, who has been writing and producing content for print and online media for over 25 years.

He has worked at some of the UK’s leading publishers including Future Publishing, Highbury Entertainment, and Imagine Publishing, with publications as diverse as Homebuilding & Renovating, TechRadar, and Creative Bloq, writing and editing content for audiences whose interests include history, computing, gaming, films, and science. He’s also produced a number of podcasts in the technology, science, gaming, and true crime genres.

Nick has also enjoyed a highly successful career in content marketing, working in a variety of topics such as health, technology, and finance, with market-leading global companies including Cisco, Pfizer, Santander, and Virgin Media.

Now the Editor-in-Chief of the Independent Advisor, Nick is involved in all aspects of the site’s content, where his expertise in finance, technology, and home products informs every article that’s published on-site. He takes a hands-on approach with our VPN content, penning a number of the articles himself, and verifying that everything we publish in this topic is accurate.

Whatever the area of interest he’s worked in, Nick has always been a consumer champion, helping people find the best deals and give them the information they need to make an informed buying decision.