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.
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.
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.
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.
If you were to insure your classic or vintage car with a standard car insurance policy, you could be covered for:
Specialist insurance for old cars may also include:
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:
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.
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:
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.
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.