Classic Car Insurance | Current rates
Notes
This classic car insurance
provides online quotes for UK residents for
classic and cherished cars at least 10 years old in the UK.
All
drivers should be over 25 and the vehicle used for less
than 5000 miles per annum. The proposer must have a
full license for 3 years.
The
quotation you receive for the car assumes a
maximum of one fault claim value less than £7,500 or a theft away
from the garage up to £5,000 and a single SP, MS10 or MS30
conviction. Other minor convictions and claims can be quoted for on
referral.
A
maximum value is £60,000. You may drive the car to work and the vehicle may be your main vehicle.
Cover is comprehensive with a £100 ADFT X/S (at
least). You are limited to 6 named drivers.
Agreed Value
-
Agreed
value is available for cars over 15 years old and
valued at least £1,000. Younger Aston Martin, Bentley, Bristol, Jaguar,
Daimler, MG (not Metro/Maestro, Montego), Morgan,
Panther, Reliant Scimitar SS1, Rolls Royce, Triumph TR7/TR8
and TVR models will also be eligible for agreed values.
-
We require 6 photographs of the car (not
Polaroid or digital - unless on photographic/ printed paper) showing
front, back, nearside, offside, inside and engine bay. Until
valuation has been made cover remains on market value basis. These
photographs must be signed and dated on the back.
Cherished number plates
Weddings
-
An additional insurance premium of £15.00
per wedding or, annually, 100% loading (minimum £150) will apply.
This use is intended to provide an income to support the upkeep of
the car and is not available to private hire operators or where
the wedding hire is the main source of income. (Please refer such
matters to us)
Mileage
-
If mileage has been exceeded by the
car, insurance at renewal will be invited only on the higher mileage option. If the
7500 mile limit has been exceeded then renewal will be withdrawn. If
this is not possible cover will be extended for one year at a 50%
load and next year renewal will not be invited. Mileage will be
checked at any claim occasion. If mileage has been exceeded the
claim will be denied.
Extra Covers
-
You may select legal
expenses cover - if you do the insurance premium is £14.70 and your
demands and needs are extended to include that of a person who
may need legal help to pursue a claim for uninsured losses
following a non-fault accident with their car and this legal expenses policy
meets those demands and needs.
-
You may select breakdown
cover. The insurance premium is £28.00 for up to 1500 miles per annum,
£33.00 for up to 3000, £43.00 for up to 5000 and £50.00 for
up to 7500 miles per annum. If you select this cover your
demands and needs are those of a person who may require
assistance should their classic car break down or be
unable to be started - and this option meets those demands and
needs.
Renewals
Each year a renewal
declaration is required. Failure to complete the declaration within
30 days will result in:-
-
Cover
on the car will be restricted to market value after 30 days until declaration
is received.
-
Mileage
allowance will be limited to a mileometer reading = previous
declaration + selected mileage allowance. If mileometer reading
exceeds this amount any insurance claim will be denied.
-
Renewal
of the insurance policy the next year will not be invited or cover accepted for 2 years.
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