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Welcome to our classic car insurance part of our website.
Online quotes are now available.
We offer cheap online quotes
for classic car insurance. Our classic car insurance policies are for UK customers and are
provided by companies specialising in the classic vehicle which, unlike an old worn-out
vehicle,
has been kept in good condition, or is rare, or just appreciated and needs a special
policy. Classic vehicles, in good condition, need policies to provide an
agreed value rather than market value. Our policies
provide that and more. See our quotation system for quotes through leading
companies.
The classic car insurance policy: cover and terms
As you know, classic car insurance
differs from other policies as it has many different
benefits. The most common differences in cover are shown below:-
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A classic car insurance policy has no 'no claims bonus' clause
- your
premium won't be affected by the occasional claim
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We can offer insurance for an 'agreed value' -
subject to sight of photographs
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An agreed maximum annual mileage is selected e.g. 1,500,
2,000, 3,000, 5,000 etc - the more the mileage the higher the insurance premium.
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The policy, unlike normal does not usually give 'driving
other vehicles' cover.
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There is usually another main mode of transportation
(often insisted by the insurer)
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The vehicle should be garaged - but
our insurance can cater for ungaraged vehicles
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The vehicle should only be used for pleasure use
only - but we may allow commuting as well
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All drivers on the policy must be mature and have good driving records.
We have cheap policies for insurance risks in England, Scotland or Wales (see
list). They
are all flexible and can cater for a wide variety of circumstances.
Choose your Insurance
Scheme from below
| Scheme 1 |
CCUA provide this insurance quote - underwritten by Norwich Union/ Allianz |
| Scheme 2 |
Lloyds underwrite this cheap
nsurance - quotes designed for mature good drivers |
| Scheme 3 |
Lancaster provide this insurance policy - immediate cover and great flexibility
underwritten by
Equity, Jubilee and Allianz |
Definition of veteran and vintage vehicles
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A vintage vehicle is one that has been built on
or before December 31st 1930
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Similarly a veteran vehicle is one that is built
on or before December 31st 1919
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Our insurance policy can include both veteran and vintage
vehicles.
Wedding Use
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Your vehicle may be used for wedding purposes. If so you may need your
insurance policy extending. This policy can be extended to include
wedding hire at £15.75 (including IPT) + our £10.00 charge per wedding
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Annual wedding cover is available for a 100%
premium load (minimum £157.50 including IPT)
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This policy meets the need of someone who
wishes to use income from hiring out for weddings to offset the cost of
running their vehicle.
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It does NOT meet the demands and needs of an owner intending to use the vehicle for private hire,
self drive hire or main
source of income
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If you need cover for wedding hire
as we have special policies available
Permitted Drivers
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The policy requires all drivers to be 25 or over and under 77
with a full licence
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The proposer must have held a full licence
for at least 3 years and live in UK for three years
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Additional Drivers must have held a full
licence for one year and live in UK for one year
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The policy can cover
full UK licence holders working abroad for up
to 5 years
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Our policy limits the
drivers by names
Agreed value
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The insurer wont be
able to give an agreed value unless you provide six photographs a of your
vehicle -- one of front, one of
each side, one of rear, one of engine bay and one of interior
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Insurers will not
accept Polaroid photographs
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Digital photographs must be printed onto
photographic/ coated paper
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Minimum value of your car for an agreed
insured value:
£1000
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Cars younger than 15 years old
unacceptable for agreed value insurance other than Bentley, Jaguar, Daimler, MG (not
metro. maestro or montego) Morgan, Panther, Reliant Scimitar, Rolls Royce
and TVR..
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High Value: The maximum value on this
policy is £60,000 -
higher values may be considered by contacting us.
Continental Use
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This policy allows 90 days cover provided as standard: Can be
increased on referral.
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Applies to MGA countries only.
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Please ensure you remain within the mileage
limit set on the policy you obtain.
Unused Miles
salvage
Renewals
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When your policy is due a renewal notices for your policy will be issued
direct at least 21
days before expiry of policy.
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A renewal declaration must be completed -
including a mileage declaration before we renew your policy.
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If the renewal declaration is not received
any agreed value will be withdrawn, renewal of the policy the following year
will not be invited, nor will another proposal accepted for the
following two years.
Unacceptable vehicles
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This insurance policy is not available for Kit, custom, coaches, beach
buggies, Japanese grey imports, American stretched limousines, mini-buses,
vehicles with raised/ lowered suspensions.
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The insurer may
accept other modified vehicles, commercial vehicles,
tractors, replicas and 'Q' reg
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The insurer insists
that Imported vehicles must be reregistered on UK
plates within 30 days.
Material Facts
You are reminded of your duty to disclose all
material facts when asking for any insurance contract. Examples of material facts are: motoring
and non motoring convictions, claims or losses, modified cars etc. This is
not an exhaustive list. If you are in doubt if a fact is material then it should be disclosed. Failure to
disclose material facts could result in the insurer refusing to pay your claim.
If you need any further help or
assistance for your insurance or need any further information please call us on 0870 7456247. B.
Portwood & Co Ltd are authorised and regulated by the Financial Services
Authority for the arrangement and administration of non-investment insurence
policies. This may be verified by calling 0845 6061234 or referring to the
website www.fsa.gov.uk/register.
TOP of our
classic car insurance page
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