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What is vintage and classic car insurance?

This type of insurance is designed to insure your vintage or classic car against things that can go wrong on – and sometimes off – the road.

You can get vintage and classic cars insured through a standard policy, which can cover your car (depending on your level of coverage) for things like third party property damage, fire, theft and repairs/replacement costs. However, if you want a policy designed specifically for a vintage or classic car, you may need to seek out a specialist provider.

What is considered a classic car?

A car is generally considered ‘classic’ if it’s more than 15 years old, although some providers may have age specifications of their own. People often confuse the terms ‘classic car’ and ‘vintage car’.  There are, however, immediate visual and structural differences between the two types, with the classic cars generally having more powerful engines and more streamlined features.

People also tend to use classic car insurance as a broad term covering the spectrum of insurance options for non-regular, collectible or generally old cars. However, if you don’t need a policy that is specifically designed for a classic car then you can insure your classic car with a standard Third Party Property, Third Party Fire & Theft or Comprehensive insurance policy through our car insurance comparison service.

What is considered a vintage car?

Strictly speaking, ‘vintage cars’ are automobiles made when cars first began to be mass-produced (between 1 January 1919 and 31 December 1930). Easily distinguishable by their bygone-century looks, brass radiators, massive mudguards, chunky chrome accessories and big round headlights, many vintage cars are highly prized. They are often shown off at car-enthusiast displays and rallies, and are sometimes available for hire for special events.

Are there other types of old cars?

As well as vintage and classic, there are also antique, veteran and post-vintage cars. An antique vehicle is one built before 1905, while a car built between 1905 and 1919 is classified as a veteran. Post-vintage cars are those built between 1931 and 1950.

Frequently asked questions

What does car insurance cover?

If you were to insure your classic or vintage car with a standard car insurance policy, you could be covered for:

  • loss or damage you cause to another vehicle (all levels of insurance)
  • fire damage to your car (Third Party Fire & Theft and Comprehensive)
  • loss or damage caused to your vehicle by both thefts and attempted theft (Third Party Fire & Theft and Comprehensive)
  • repair and replacement costs of damage to your vehicle (Comprehensive)
  • storm, hail and flood damage to your car (Comprehensive)
  • liability for injury or death you cause to another person (Compulsory Third Party [CTP]/Green Slip insurance).

Specialist insurance for old cars may also include:

  • laid up cover. If you’re in the process of restoring your vintage car, but not driving it, the insurer can lower the cost of your premium as your car is only covered for storage and transit;
  • modifications cover. Your insurer can cover the repairs or replacement of any modifications or fittings to your car if they get damaged by instances such as fire, flood, storm or vandalism; and
  • salvage. In the event your vintage car is written off, you can retain the ownership of the wreck as well as receiving the insurance payout. This means you can either restore it or sell it for parts upon retrieval.
What can my classic car be covered for with standard comprehensive insurance?

As the highest level of car insurance, comprehensive policies offer an extensive range of coverage as well the usual inclusions listed above. Cover may differ between policies and providers, but you can usually expect a comprehensive car insurance policy to include:

  • choice of repairer. You have the flexibility to take your vehicle to your preferred repairer.
  • no-fault excess. This means you don’t have to pay an excess if you’re not at fault in a road accident. However, you might be ineligible for this benefit in a different circumstance, such as inadvertently hitting an animal while driving;
  • emergency accommodation. You could have your insurer cover your overnight stay up to a predetermined amount;
  • taxi home after an accident. Your insurer can compensate home transportation costs if your car isn’t drivable after a road accident;
  • towing costs. Your provider can cover the cost of towing your car to the storage facility if it’s unsafe to drive after an accident; and
  • storage. If you’ve had a road accident or your car was stolen and later recovered, your insurer can help you recoup the costs of keeping your vehicle at a storage facility.

To find out exactly what you’re covered for, you should always read the Product Disclosure Statement (PDS) of any insurance product before purchasing it.

How much does classic car insurance cost?

The cost of car insurance varies between policies, providers and the drivers themselves since premiums are calculated with factors that are often specific to each person. Some factors that can influence how much you pay for insurance for your classic car include:

  • your car’s model, age and kilometres
  • your claims history
  • how long you’ve held your license
  • where the car is stored at night
  • where you live
  • how regularly you drive it.

If you’d like to know how much you may pay for standard car insurance, you can use our comparison service to complete a quote. If you’re after a specific insurance policy for an old car, you may need to seek out a specialist provider.

Why should I get insurance for my classic car?

Veteran, vintage and classic cars can be costly. With the maintenance and modifications required, as well as the price of purchase alone, the expenses can quickly add up. So, wouldn’t you want to help to protect the thing you’ve spent so much money on?

Should your classic or vintage car get damaged on the road, written off due to a fire or stolen, you could be left with enormous repair or replacement costs. Car insurance can help you out in these circumstances.

Compare car insurance with us today to ensure you’re protected if something were to happen to your vehicle. Our comparison service is fast, free to use and a great way to compare a range of policies side-by-side in the one place.