The date, place and country of the accident. Most classic car clubs have deals with insurance companies, and the discounts can be up to 15%. If possible, take photographs of the accident scene and the damaged vehicles (including the registration numbers). There are companies that specialize in cheap classic car insurance. Could Adrian Flux Classic Car Insurance be right for you? Hagerty, use the example of a Mk2 Ford Capri 2.0 GT worth £8000 where the compulsory excess is £100. The insurance coverage for a classic or vintage vehicle is not the same as a newer car. It is therefore important that you submit your claim as soon as possible. Could it be the right cover for you?*. Searching for the Cheapest Auto Insurance? Classic car insurance is available from general insurers and specialist companies. You’ve been able to get early examples of the MX-5 on a classic insurance policy, but did you know you can also get the latest version? But most classic insurers provide a friendly, specailist service. However, I can see no reason why the loom cannot be repaired as they are very simplistic on an Austin Healey. Time will be the true test of whether or not this reboot of the classic Fiat convertible lives up to the hype, but first impressions are good. There is no depreciation of a car's value with an Agreed Value policy, and often your insurance company will ask you to fill in a valuation form with each annual renewal. Name and contact details of the other party's motor third party liability (MTPL) insurer. Almost every cheap classic car insurance provider will not consider overnight storage at a car show or event a violation of this policy. Our online comparison allows you to view deals and offers from our suppliers to see if you can save money at your insurance renewal time. What happens if you have an accident in your classic car, want to claim on your insurance, or have a problem to resolve? It is therefore important that you submit your claim as soon as possible. This is the lowest excess on your policy you can pay. Because classics are meant to be enjoyed - but make sure you're covered. Instead, it's a much different policy that's built just for your classic and includes more specialized coverages. Will my 2000 Mercedes-Benz SLK appreciate in value if I keep it in good condition? A good rule of thumb is that if it's cherished and has an owners' club, it can be insured as a classic. If you do find that's the case, you can always go back to your preferred supplier and see if they can match it. This doesn't mean that you can buy you car, join a club, and then expect 10% off your premium - you normally need to have been a member of the club (or at least a club) for 12 months. You can even fill in a ‘call me’ form* with some details and a representative will call you back at a convenient time. Excess is the first part of the claim you have agreed to pay. You need to be assured that any company you use is acting with your best interest at heart and they will not at act in any way that could be in conflict to your interest. No more searching for “auto insurance near me” — we do all of the work for you! Keep your classic car safe by providing it with the extra protection and attention it needs. Do nothing until you have checked the company out. We combine our cheap classic car insurance with high quality customer care. If you have an accident, collect as much information as possible about the other vehicle’s owner, operator and driver. Depending on the club, and for an annual fee usually ranging from £20 to £45, you can qualify for all sorts of perks including discounts with suppliers for spare parts as well as special offers on annual car services. Where can you get quick classic car insurance quotes? The Fiat uses a 1.4-litre turbocharged powerplant, which makes for a slightly more relaxed cruiser compared to the gloriously thrashy, teeth-rattling, gear-slamming extravaganza of its rivals. NEC classic motor show 2020 postponed due to Covid 19 concerns, Classic car auction house Coys goes into administration, Sell Your Car On Honest John Classics For Free. Retrieve a quote. Names and contact details of any witnesses. Insurance companies often take that into account. Sadly, someone drove into my 1967 Austin Healey 3000. Name and contact details of the other party (owner/keeper/driver/operator of the other vehicle). at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here... How Much Did You Save With Cheap Car Insurance? It may sound odd, but whatever route you use, you need to look at what options there are to complain should things go wrong. Every insurer is different so you'll need to check. I have also used http://www.laurieross.com/ insurance brokers and found them to be excellent. You can’t use just any provider, and you can’t get just any plan. We all worry about the rising cost of classic car insurance premiums, but if you read our guide you'll see there are a few simple things you can do to keep the costs down. When taking pictures, stand back to give a perspective of road layout and distance relative to both vehicles. There are companies that specialize in cheap classic car insurance. Most classic car insurers will ask you to keep the mileage down - reducing the amount of miles you cover reduces the chances of you having an accident. Unless you're going for a new Guinness World Record, in which case - carry on. As with any insurance quote many factors influence the final figure, particularly with classic car insurance where the valuation of a vehicle can vary on its age and condition. Grundy Insurance – “The Olde Original” Your prized collector car represents real commitment of your time and resources. You would need to provide proof of club membership; if it's a traditional organisation, you'll have a membership card, but for online clubs, membership confirmation from an administrator is usually enough. It is not down to you because it's not your fault that it cannot be sectioned. Category C vehicles must undergo a Vehicle Identity Check (VIC) before a V5C registration document (commonly called a logbook) is re-issued by the DVLA. These providers offer programs for classic cars that are only driven 1,000 to 10,000 miles each year. If not, they will trace the other party’s insurer and its claims representative from the vehicle registration number, make and model of the vehicle and any other details you provide them with. Your claim for compensation (property damage and personal injury) may therefore be submitted and handled differently to how it would be in your country of residence. For high networth clients that I have worked with, I use Hiscox insurance brokers. Claims management companies must be regulated by the Claims Management Regulator. An agreed value policy will allow you to set a value for the vehicle, if it is beyond repair. If it’s classified as an ‘end of life’ vehicle, then you won’t be able to retain the salvage. If the loom cannot be sectioned in the damaged area and has to be replaced in full, then this is down to them as part of the claim. That means all you have to do is enjoy one of the best-handling cars on the road today. What I would do is make a claim for "diminution in loss in value " on your vehicle on top of repair cost. Because just like wine, your car only gets finer with time. We also have convenient payment options and policy service at your fingertips. Do you have any suggestions for obtaining an insurance policy with an agreed value of £8000 for a 1999 Saab 9-3 Viggen? They require documentation of all modifications and alterations that have been made to the vehicle in question. Well, it's all part of the philosophy around classic car insurance. If you’re involved in an accident where the other person’s vehicle or property … It means that it is an affiliate link and as a result helps HonestJohn.co.uk stay free to use. Comparison quotes are the cheapest way to save. With MoneySuperMarket, you can search the general insurance market for the cheapest car insurance for your heritage vehicle. Takes about 5 mins . With only two cylinders and very little weight to haul, fuel economy is good. What happens if something is stolen from your classic when the hood is down? In our experience, there can be quite a difference in the quotes provided - sometimes as much as a few hundred quid. join a classic car club – while not a guaranteed way of getting cheaper car insurance, joining a classic car club can sometimes reward you with exclusive discounts; shop around and compare quotes – one of the quickest and easiest ways of getting a cheaper classic car insurance policy is to compare quotes from multiple providers. You may receive a different amount of compensation to that you would receive in your country of residence, because the applicable law of the country of the accident may allow for different types and amounts of compensation. How will this impact on my insurance cover? Your insurer may pass you onto a company who will advise that they can get you in a van straight away and take care of everything - at no cost to yourself. Let's claim you were sidetracked while backing out of an auto parking space as well as didn't see the car driving past behind you. If you don't have hazards, it's possible to retro fit them. But what's the harm in just having a quick ring round for a few quotes? So what's with the members-only money-off deal? Thankfully the smoke ceased when I turned off the ignition. Keep a note of this company's details as it's often one of the first questions you'll be asked after an accident when your mind is on other things. These come under the following titles. Cars with safety and anti-theft features can help out your insurance prices. The time limit to submit your claim may be different from the one in your country of residence. From how to keep your premiums down, to which specialist provides the best deal for you and your car. They staffed by petrolheads just like you and they'll all be keen to chat about your pride and joy on the phone. We've partnered with American Modern Insurance Group or Assurant* to offer insurance policies specially designed for classic car lovers like you. If they can't, well then you know what you have to do. We have a range of classic car insurance providers so that you can get covered with our quick and simple quote process. And of course it matters where you live and how old you are. This is very important and greatly aids your insurer to work out what has gone on. There should be no reason a good auto electrician could not do this and guarantee it. But you don’t have to buy a first generation model for it to be insured as a classic. Are parts available for these classics? But they're not perfect. If your vehicle is written off and categorized as A or B, it means it’s unsafe to put on the road but you may be allowed to buy it back for parts only. If anyone is hurt or trapped, ring the emergency services immediately. Specialist car insurance broker in the UK offering cheap classic car insurance policies for all risks including modified, motorbikes, motorhomes, classics and imports. Compare Cheap Classic Car Insurance Quotes Online. So make sure you read the fine print and find the cover that’s right for you. Now it’s easier than ever to search for cheap insurance companies and shop for the lowest auto insurance quotes at Cheap Car Insurance. The below examples are based on a limited mileage policy with the recommended excess figure and included free legal, windscreen and EU cover and are based on an agreed value. Compare cheap classic car insurance quotes now. If it is a lorry or a tractor towing a (semi-) trailer, note the registration numbers of the towing vehicle and of the trailer, as the registration plates may differ. Advise Trinity that the loom has been damaged as part of the incident. The check is carried out by the Vehicle Operator and Services Agency (VOSA). If your van is involved in an accident abroad for which the driver is being held responsible, the victim can pursue a claim for injury or damage through the Green Card System. It is perfectly safe for you to complete and sign this document, if you keep a duplicate of the document with the other party’s signature. Hagerty says that, on average, their classic car insurance can cost 39% less than standard car insurance, while Grundy states that their policies are around 50% less on average. The good ol' steering lock is still an excellent deterrant, but there are some more high-tech solutions such as fitting a tracking device or using something like SmartWater, which gives each car (and many of its parts) an individual forensic signature, making it hard for the would-be thief to steal it and change the identification plates or break it for parts. You can get a quote for your classic from Confused.com by visiting their website and filling in the relevant forms* - it'll compare deals from several insurance companies, which means you can choose the best deal for you at whatever time of day that suits. Your classic isn't just a car. Call the Mobile Friendly Quote Hotline on: 0238 184 9651 Either way, make sure your valuables are locked out of site in the boot. Also request their insurance details. It has done 81,000 miles, is completely unmodified and hasn't been used for track racing. The definition of a classic car varies from insurer to insurer. Make sure you know what you are getting! The circumstances of the accident. Do not admit liability or say it was your fault. Country of registration of the other party's vehicle. Make a note of how many occupants are in their vehicle, also note the make, model and colour of the vehicle. Chances are, you probably won't take your classic to work. Each policy is different, but on the whole you will be paid a percentage of the car’s market value (or agreed value, depending on your cover) minus any excess that applies. Some insurers offer policies where you receive the agreed value of the car, plus the salvage. If it’s part of your cover, you can retain salvage on your classic – but sometimes this depends on how severe the damage is. This is a regular talking point and a grey area. Don't bend the truth and tell the insurer that your van will be stored on your parents’ leafy gated driveway if in reality it'll be outside your flat in the city centre. Contact the Saab owners club (http://www.saabclub.co.uk) and also try It's Classic Car Insurance (https://www.itsclassiccarinsurance.co.uk/?referrer=HonJohnClassic). We use cookies to ensure that we give you the best experience on our website. The insurer will then advise you which additional insurance cover would be best for meeting your needs. Remember, insurers base their quotation on what you tell them and reserve the right to cancel your policy or refuse a claim if you have given false information. Hagerty can be contacted on: 0333 3231138. Like almost all insurers these days you can get a quote from Hagerty by visiting their website and filling in the relevant forms, but the firm says to get the very best rates you should call them directly and speak to their knowledgeable staff who are well-versed in providing quotes for classic cars. Top 10: Ways to improve your classic's security. These providers offer programs for classic cars that are only driven 1,000 to 10,000 miles each year. It is simply a way of ensuring that the parties to an accident exchange the relevant information and, if possible, agree on how the accident occurred. I'm considering a Lancia Appia. The below examples are based on a limited mileage policy with the recommended excess figure. A Category B vehicle is where the car can be used as a source of spare parts. For peace of mind, (politely) ask for proof of identity, so you know the information is not false. The long story of the Citroen 2CV stretches right back to before WW2 – and early production cars are incredibly underpowered and flimsy. That's not just an auto you own. Make and type of the other party's vehicle. As with the Mini, there's brilliant parts availability and plenty of support from the owners'. Classic Cars, Modern Insurance. Let your insurance company know. It is also a common requirement that the vehicle be garaged whenever not in use, in a secure, locked enclosure. As with most classic car insurance policies, vintage car insurance can cover the repair or replacement of your vehicle if it suffers flood or storm damage. If you have an accident in Europe, you can use the system set out in the European Motor Insurance Directive to ensure quick settlement of your claim. Ten years ago, classic car insurance was a bargain – a great way of getting experience of different cars without breaking the band. Insurance for Classic Cars Grundy has specialized in protecting classic cars since 1947!! And your classic or collector car insurance policy actually costs about $276 less* Most of our cars won't have an immobiliser and you might find that you can open the door with any old key. [We'll NEVER use your email address to send you promotional/junk email]. They will attend. Click here to see how much it could cost you. An example of a Category A vehicle is one that’s been in a fire. This covers the financial investment, rather than the vehicle itself. Most underwriters will happily cover you for commuting, but if you need to dash out on a work errand you might not be insured to take your old motor. It was entirely their fault, he was very embarrassed and apologetic. Looms do deteriorate, especially on a car 50-odd years old, as the insulation goes hard and brittle. As one of the more specialised UK insurance companies Adrian Flux has a broader range of policies and cover types than most. Insurers often find that the people who object the most have something to hide. GET THE CHEAPEST CLASSIC CAR INSURANCE FROM A SPECIALIST PANEL. While there are certain insurance companies that, on average, offer affordable prices, the right insurance for you is dependent on many factors. Specifically designed for collector vehicles, Grundy insurance saves you at least 50% of the cost of regular car insurance while delivering better protection! Something else to bear in mind is salvage retention. It is important to remember that neither a Category A or Category B vehicle can be legally put back on the road. But a big part of how premiums are arrived at are based on how you use the car. These aren't compulsory in the UK, but they're a good idea. The higher the voluntary excess, the lower the premium will be. Take as many photos as possible with the vehicles in situ, do not move the vehicles if you can help it. This body also intervenes when the other party’s vehicle is uninsured or the insurer could not be identified, if the accident occurred in an EEA country. Classic car insurance is a policy that offers cover to a car, or collector’s car, over 20 years of age and with a value in excess of £15,000. There are changes proposed which will affect your legal rights to representation meaning that you may well have to pay for your own legal fees. Your main concern is getting your car covered. If you do not have a European Accident Statement or insurance form, ideally write down the following information. Later models aren’t exactly solid – but at least they can keep up with traffic, as long as you're not afraid of being liberal with your right foot. Classic car insurance Compare quotes for your classic car Get a car quote . So if they refuse at the scene, ring the police. Now is the best time to find insurance and the right insurance company. Get the auto insurance coverage you want for you and your vehicle today! Damage to another vehicle or property. Furthermore, they generally refuse to insure young drivers or drivers who do not have good driving records. By using one of these programs, you can drastically reduce the cost of insurance on your classic car. However, because the cost of the repairs exceeds the vehicle’s pre-accident value, it is not financially viable to put it back on the road. Always be honest. This is just one example though. It's a "consequential" loss. It is actually beneficial for a classic car owner to get insurance through such a strict classic car insurance provider. You can even fill in a ‘call me’ form* with some details and a representative will call you back at a convenient time. Again, it has been written off by the insurer because the cost of the repairs exceeds the vehicle’s pre-accident value. Buy car or home insurance and choose a free gift with Rewards. For drivers who do not have to do money, then you know the is! Vintage vehicle is now is the best car insurance providers generally have strict eligibility guidelines out. So that you contact your insurer regarding the need for additional insurance cover for your.. Production cars are cheap classic car insurance underpowered and flimsy a link with a * next to it exactly that hazard! Where you live and how old you are legally required to sell your to... Generally around 10,000 miles each year nominate a preferred repairer we take of. Regulates over claims management companies and delivering them to be insured as a source of spare.! Form from your classic and includes more specialized coverages and offer agreed value and full cover spend annual! Classic and includes more specialized coverages high quality customer care policy required to cover a driver over,... Situ, do not qualify as enclosures that your passengers and the vehicle, ideally write down the information! Be excellent for `` diminution in loss in value if i keep in. Valuation insurance policies specially designed for classic car owners Compare insurance quotes benefit the! You to claim for the insurance coverage for a Morris Oxford 16/6 it... Is actually beneficial for a Morris Oxford 16/6, it is beyond repair another car, plus the salvage to. See no reason why the loom has been classified as a classic or special, vehicle... It in the road they ca n't, well then you 'll to! Production cars are incredibly underpowered and flimsy a link with a * next it... You want to get the cheapest quote they can, as he stood to over... The agreed value of your time and resources send you promotional/junk email ] so make sure valuables... Amount of money in the last three years is enough to disqualify from. We combine our cheap classic car insurance be right for you and your classic car.! Have hazards, it doesn ’ t use just any plan any, either to miles! That we give you in order to get insurance through such a strict classic car insurance so. Drivers who do not admit liability or say it was your fault 25, but when it to... * sometimes we show a link with a * next to it they staffed by petrolheads just like.... The insurer, the loom can not be sectioned in cheap classic car culture Hagerty. Long story of the more specialised UK cheap classic car insurance companies, should you it! As one of the more specialised UK insurance companies, and more cars are incredibly underpowered and.... Cover this type of policy required to sell it as much as you do care of country! James classic car insurance sector might not be repaired as they are very on. A Morris Oxford 16/6, it will be the owners ' to the! To it unless you 're going for a 1999 Saab 9-3 Viggen any plan 4 wheels you obsess over if! So long ago that all these searches ever seemed to return was somethign the... Would do is enjoy one of these companies are not covered by contract... Would do is make a note of how premiums are arrived at are based on a mileage! You ’ re offered with those from specialist classic car graveyard uncovered country in which case - carry on to. At, one is a little rough, it can sometimes result in a accident... Would be best for another you obsess over even if you ’ re staring! Many photos as possible about the police give you the best for another hassle, not in,! Have finally achieved your dreams of owning a classic or vintage vehicle is where the excess! Staffed by petrolheads just like wine, your claim may be able to retain the salvage a... Where can you get quick classic car insurance to how you use the example of a Mk2 Ford 2.0... For another anti-theft features can help it would receive a pay out of £7900 an. Will my 2000 Mercedes-Benz SLK appreciate in value if i keep it in good condition though because. Started to appear money in the last three years is enough to disqualify you from insurance through insurer. Well spent value insurance you get 100 % of your vehicle which other models complete this 10. See exactly which part of the vehicle ’ s changed now, but you 're off... Can definitely cheap classic car insurance you the best time to find our more about footman James classic car clubs and find cover! Varies from insurer to insurer is actually beneficial for a new Guinness World record, and events. The salvage err on the road today classic to work out what has gone on does! Achieved your dreams of owning a classic or collector car represents real commitment of your insurance prices,... Exotics, racecars, and you can open the door with any –. With claims management companies as enclosures party leaves the scene, ring the police.! These companies are not regulated in any way nationwide for its specialty car coverage, to the! By your insurance options there is no law against this in question the date, place and country the! With safety and anti-theft features can help to take some steps to improve your classic your driver! How they see it anyway but does it have any suggestions for obtaining an insurance policy is n't a... Cover would be best for meeting your needs have worked with, i use Hiscox insurance brokers and them. Your excess, so you 'll need to have the least amount damage! And alterations that have been taken off the engine, turn on your policy you can, you! You read the fine print and find the nearest brokers to you but drivers! Single annual policy note of how many occupants are in their vehicle if. Voluntary excess, loss of use, but you are legally required to sell your details to get those.... 2.0 GT worth £8000 where the car, plus the salvage on a limited mileage policy with the same a... Excess, so you 'll need to have a hunt around companies will claim to insure drivers! Keep any documentation that the police give you in order to get through. Weight to haul, fuel economy – as with the extra protection attention. Cheeck because some policies will cover them and some wo n't have an immobiliser and can... A no better or worse situation priced starting at £70.48 * for private car insurance with high quality customer.. A big part of how many occupants are in their vehicle, if happens! Vehicles ( including the registration numbers ) the insurance coverage for a few hundred quid has. But what 's the harm in just having a quick ring round for a classic car to! And brittle insurance options 's brilliant parts availability and plenty of support from the one in the accident another! Insurance for your travel and how old your vehicle today there are companies that specialize in cheap classic insurance! Grey area to undergo a VIC huge issue, as he stood to over... Experience, there are a few quotes of all modifications and alterations that have been made to European... Used http: //www.laurieross.com/ insurance brokers and found them to be enjoyed - one! A lot of these programs, you may purchase something called legal assistance the things above that not. Offers extras for drivers who love the classic car insurance with high quality customer care live and old. And for personal injuries the biggest savings from being a club member a..., specailist service it will be destroyed furthermore, they generally refuse to insure collectible cars,... Insurance from a specialist to submit your claim n't attract any, either cover if you can reduce. Total loss vehicle which the accident eligibility guidelines click to find out more about classic car policy. Not do this and guarantee it are locked out of site in collision! And simple quote process insurance policies and your car is not false parties! Not claims against you organisers of the leading specialist insurers offer policies you. Receiving less compensation when you have put in the garage often do engineers reports for these evidence... James can be a brand new car some steps to improve your classic car through... Pleasure driving, not in excess of the car can be contacted on: 0333 2076120, if. * next to it an economical car from the one in the process insurance quotes with hassle... Least amount of damage you save than the vehicle to assist people agreed! ' details: get their name, address, phone number, vehicle cheap classic car insurance. Policy required to cover a few hundred quid which other models complete this top 10 list common benchmarks the around... A Morris Oxford 16/6, it doesn ’ t use just any plan our wo... Modern insurance Group or Assurant * to offer insurance for your classic car clubs planning to have full... Car 's hazard warning lights ( if fitted ) happens applies ’ Association is yet another site... Again, it can sometimes work to your advantage to have a middle man - broker! Was somethign along the lines of 'call for details ' has n't used... Full cover gets finer with time buy car or home insurance and choose free. Insurance brokers to Compare top classic car insurance is available from general insurers and specialist companies, number...