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Welcome to our classic car insurance part of our website.
Online quotes are now available.
We offer cheap classic car insurance. Our classic car insurance policies are for UK customers and are
provided by companies specialising in the older which, unlike an old worn-out car,
has been kept in good condition, or is rare, or just appreciated and needs a special
policy. An
agreed value rather than market value policy is available. Our policies
provide that and more. See our quotation system for quotes through leading
companies.
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 car 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 car used as a main mode of transportation
(often insisted by the insurer)
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The car should be garaged - but
our insurance can cater for ungaraged vehicles
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The car should only be used for pleasure use
only - but we may allow commuting as well
-
All drivers on the policy must be mature and have good driving records.
We have cheap policies for risks in England, Scotland or Wales (see
list). They
are all flexible and can cater for a wide variety of circumstances.
Choose your
Scheme from below
| Scheme 1 |
Towergate Classic Cars - underwritten by Norwich Union/ Allianz |
| Scheme 2 |
Quotes designed for mature good drivers |
Note for veteran car insurance and vintage car insurance
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A vintage vehicle is a car that has been built on
or before December 31st 1930
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Similarly a veteran vehicle is a car that is built
on or before December 31st 1919
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Our policy can include both veteran and vintage
vehicles.
Wedding Use - all the
below apply to scheme 1 only.
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Your car may be used for wedding purposes. If so you may need your
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 car.
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It does NOT meet the demands and needs of an car 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 of the car 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 won't be
able to give an agreed value unless you provide six photographs a of your car -- 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 of the car
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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 notice will be issued
direct at least 21
days before expiry.
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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 policy is not available for a Kit car (see
our kit car), 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 that, when applying for car insurance, you must disclose
all material facts. 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. 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.
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