Classic car insurance
Comprehensive, specialist cover that’s tailor-made to protect classic and vintage cars.
For over 30 years, we've been providing classic car insurance as your local broker
Since 1993 Howden Insurance have been providing standard and classic car insurance policies to communities across the UK as a local insurance broker.
To achieve this, we compare policy options on our clients' behalf, based on what they tell us they expect to get from their cover. Whatever classic car you need to insure, and whatever budget you have, we'll do everything we can to help you get your hands on a comprehensive policy.
Our team acknowledge that each motor policy needs to be as individual as its owner and their classic or vintage car, and that’s why we provide a bespoke, personalised service, which focuses on getting to know you and finding out exactly what you want from your cover.
To get a quote, you can either give us a call on 0333 043 3911, submit a call-back request on our website, or visit us in your local Howden branch.
Benefits of choosing an insurance broker:
- Speak in-person with someone from your local branch, within your community.
- We’re driven to save you time, money, and hassle.
- Benefit from a tailored service that comparison sites can’t provide.
- We’re right by your side in the event of a claim.
- You can trust us – we’re rated Excellent on Trustpilot.
Has your vehicle broken down? Call our Breakdown Helpline on:
- 0800 783 3280 if insured through the RH Scheme.
- 0800 731 5123 (UK), +44 117 934 2177 (rest of Europe) if insured through the Cherished Vehicle.
What is classic car insurance?
Classic car insurance works differently from standard motor insurance policies, as it’s specifically designed to provide coverage for vintage, collectible, or classic cars. These policies consider the unique characteristics and value of classic cars, as well as the driving habits of their owners.
We also understand that vintage and antique car owners are not like other motorists and need a specialist insurance team who take that extra care. In order to offer a personalised service and find a classic car insurance policy that’s right for you, however, we need you to provide the following information:
- What type of car you want to insure
- The age of the car
- The car’s value
- Where you’ll park the car
- Your annual mileage
- The main driver’s no claims history and driving experience
Once we’ve found out more about you and your classic or vintage car, we can then get cracking on with finding you a policy that meets your expectations.
When does a car become classic for insurance purposes?
For many insurers in UK, if a car is in good condition, has high market value (usually over £15,000), and is over 15 or 20 years old, they'll consider it to be classic.
However, insurers do differ in terms of what they believe is a 'classic car'. For example, some insurance providers will only provide classic policies for certain cars models, or vehicles which are deemed to be particularly rare.
Therefore, it's important that you get clarity from your insurer around when they consider a car to be classic. You can read more about this in our dedicated guide: When Does a Car Become a Classic?
Different categories of classic car
What if your vehicle is well over 20 years old? This might mean your car falls under a different category...
Veteran: must be built before WW1 (1914 to 1918)
Vintage: must be built before 1930
Post-vintage: built between 1930 and 1945
Future & instant classics: If your vehicle is 11-20 years old it could be a ‘future classic’ or if you own a rare, exotic or out of production vehicle which is less than 11 years old, it could be an ‘instant classic’ providing it’s not used as your main mode of transport.
Is your car old enough to fall under any of these categories? That's okay, we can still help you get your hands on a policy that provides the protection it requires.
Benefits of classic car cover
Across the range of specialist insurers we work with, they offer a wide variety of benefits included in a classic car policy:
- Limited mileage discounts
- Multi Vehicle Insurance
- Laid up cover
- Agreed value cover
- Rallies and Events Cover
- Key care
- UK & European accident & breakdown recovery
- Personal accident cover
- Excess protection insurance
- Spare parts cover
- Salvage retention
- EU cover
- Public liability insurance
- Discounts for car club members
- Windscreen cover
- Legal expenses cover
- Repairer of your choice
How much is classic car insurance?
A classic car insurance policy premium can range from £100 to £800 a year. This range is so broad because, each and every vehicle is different, and it's the individual features of each vehicle which will impact how much it'll cost to insure it.
The cost of an insurance premium for a classic car can depend on:
- Its age
- Its features and modifications
- Its make and model
Besides the car itself, insurers take several other things into account when calculating insurance premiums too, such as:
- Your driving and claims history
- Where you live and regularly drive
- Your annual mileage
- Where your high performance car will be parked
Is classic car insurance cheaper than standard car insurance?
Yes, you might find that classic car insurance quotes are often cheaper than standard policies. This is because classic cars are typically better looked after, stored in safer environments, and are driven less frequently. This makes it less likely for a classic car to be involved in a claim.
You can find out more about the cost of insurance premiums on classic car policies in our guide: Is classic car insurance cheaper?
Is classic car insurance cheaper for young drivers?
No, classic car insurance is usually more expensive for young drivers. In fact, across all car insurance policies, younger drivers will face higher premiums because they're deemed by insurers to be more likely to be involved in a claim, mainly because of their age and experience.
Types of classic insurance we offer
Classic campervan insurance
Is your campervan over 20 years old? We can help you find a policy that covers your classic camper.
Classic multi-car insurance
If you have multiple classic cars, we can source you a policy which can cover them all at once.
Classic Land Rover insurance
We insure Land Rovers of all ages, including those that are deemed to be classic.
Classic 4x4 Insurance
Protect your rugged vintage off-roader with specialist cover designed for classic 4x4s.
Classic modified car insurance
For your uniquely upgraded classic, with insurance that understands the value of your modifications.
Brand-specific classic car insurance
Enjoy dedicated cover for your cherished marque, whether it’s a classic Ford, MG, Porsche or Triumph, with policies built around your brand’s legacy.
Classic military vehicle insurance
Safeguard your historic military motor with insurance that respects its heritage and supports its preservation.
Temporary classic car insurance
Our flexible temporary insurance lets you drive your pride and joy without committing to a full policy.
Classic car daily driver insurance
Our daily driver cover blends practicality with passion for vintage motoring.
Modern classic car insurance
Bridge the gap between retro and contemporary with insurance designed for modern classics that are fast becoming tomorrow’s legends.
Hear from our insurance expert...
What’s new or changed in the classic car insurance market which I should be made aware of?
"With the used car market fluctuating since lockdown, agreed value on classics is not always the best option. It used to be the go-to approach for classic car owners, but now you need to evaluate whether it's something you want/need. Nowadays, market value on a specialist policy may be a better option for you, because the market moves with increase and decline."
Luke Mason, classic car insurance expert
Classic Car Insurance FAQs
Can you insure classic commercial vehicles?
Yes, we can insure classic commercial vehicles, and insurance companies offer specialised policies for vintage vans, trucks, fire engines, and other similar vehicles.
Insurance companies recognise the unique nature of classic commercial vehicles and offer tailored policies that consider their value, use, and vintage.
To qualify for classic commercial vehicle insurance, the vehicle typically needs to be at least 15 or 20 years old, similar to insuring a classic car for personal use.
How do I insure a classic car as a daily driver?
If you plan to use a classic car as a daily driver, certain insurers may provide coverage under an agreed-value, classic car insurance policy — though not all will. The insurance premium is typically higher due to the increased mileage and the heightened risk associated with daily rush hour traffic, compared to using the car solely for leisure purposes.
Do you get no claims bonus on classic car insurance?
No, you cannot normally get a no claims bonus on a classic car policy. This is because most classic car insurance policies don't operate on a no-claims bonus (NCB) system, and most insurers require your classic car to be your second vehicle. However, some insurers may offer a discount equivalent to a no-claims bonus, so it's worth checking with different insurers.
It should be also noted that if you have multi-car cover, where a modern and classic car are on the same policy, you can still accumulate a no-claims bonus for the modern car.
Classic car insurance for 17 year olds: how does it work?
Classic car insurance for 17-year-olds is possible, though it can be challenging due to young drivers being considered a higher risk. Specialist insurers and brokers, like Footman James and Adrian Flux, offer policies for young drivers, but there are often specific criteria and requirements, such as being a member of a classic car club and limiting mileage.
Insurers often view young drivers as a higher risk, which can make securing coverage more difficult, especially for classic cars which are often expensive to repair or replace.
What is agreed value car insurance?
Agreed value car insurance means you and your insurer agree on the vehicle's value at the start of the policy, guaranteeing that payout amount in case of a total loss, regardless of the car's market value at the time of the claim.
Do classic cars need an MOT?
In the UK, classic cars are generally exempt from the annual MOT test, although they do have to meet these requirements laid out by Gov.uk:
- the vehicle was built or first registered more than 40 years ago
- no ‘substantial changes’ have been made to the vehicle in the last 30 years, for example replacing the chassis, body, axles or engine to change the way the vehicle works
Do classic cars pay ULEZ?
No - most classic cars are exempt from ULEZ charges in London, specifically those built before January 1973 or over 40 years old and registered as a historic vehicle with the DVLA.
At what age do cars become tax exempt?
In the UK, cars become eligible for a tax exemption (Vehicle Excise Duty - VED) when they are 40 years old or older, based on their manufacture date, meaning vehicles built before January 1, 1984, are exempt as of April 1, 2024.
Why should you buy a classic car?
Owning a classic car can be a rewarding experience, offering a unique blend of nostalgia, investment potential, and a simpler, more engaging driving experience compared to modern vehicles.
Should I get modern classic car insurance?
Yes, you should consider getting "modern classic" car insurance if you own a vehicle that is not yet a true classic, but has the potential to become one, as it offers tailored coverage and potentially lower premiums compared to standard insurance.
What extra cover could I add to my policy?
Multi vehicle
Combine your classic, specialist and modern vehicles onto a single insurance policy, saving time and money.
Limited mileage
The fewer miles you travel in a year, the less you pay.
Laid up
Is your classic taking a break or awaiting restoration? This cover is available for your vehicle, and its accessories and spare parts, providing they are kept in a locked garage or building. Cover also applies whilst your vehicle is temporarily out of storage (i.e. whilst you are exhibiting it or having it repaired in the UK) and whilst in transit to or from the exhibition or repairer's premises.
Excesses
The minimum excess is £50 but could be higher depending on underwriting criteria.
Instalments
You could have the option to spread payments over 10 months by direct debit facilities.
‘Agreed Value’
We understand how much you value your pride and joy, and we’d like to make you aware that your classic car insurance policy could be extended to include Agreed Valuation for free.
If your vehicle is worth more than £75,000, we would require an agreed value certificate from either a recognised vehicle club or independent specialist.
If you’re interested in a Agreed Valuation with Howden Insurance, or would like to find out more, please get in touch.
What are the benefits of an Agreed Valuation?
Adding an agreed value option helps to mitigate the risk of financial loss and arranging your classic car or motorcycle insurance through Howden Insurance means that your agreed value will be valid in the event of a total loss claim.
We don’t have a defined period for re-declaring your agreed value. However, it’s really important to regularly keep abreast of your vehicle’s value – for example via auction results and classifieds. If you do want your agreed value to be looked at again, all you need to do is get in touch.
How does an agreed valuation help with a claim?
In the event of a total loss claim, the amount paid will be the sum agreed on your Schedule less any policy excess.
In cases where an agreed valuation has not been confirmed with us, a total loss claim will be paid at the current market value of your insured vehicle (this would be an amount up to, and no more than, the sum insured).
More resources
Latest car insurance guides
Everything you need to know about cars and the insurance policies which cover them. Explore more topics in our Car Insurance Guides.
- Your guide to car insurance for 17 year olds
- Your guide to Cat S car insurance
- If my car is written off what happens to my insurance-policy?
- When does my car insurance run out?
- Can you use a no claims bonus on two cars?
- Car insurance for non UK residents
- How much voluntary excess should I pay on car insurance?
- Can you drive a SORN car to an mot without insurance?
- What are car insurance occupation categories?
- Car insurance change of address: what to know
- Car insurance without a black box: what to know
- Car insurance cancellation laws in the UK
Other car guides
Learn more about the ins-and-outs of cars through our car guides:
MOT guides
- Free MOT checker - Check a vehicle's MOT history
- MOT FAQs - Everything you need to know about MOTs
- Motorcycle MOTs: All you need to know
- What Does MOT Stand For? MOT Terms Explained
- Your complete MOT checklist
- When do I need an MOT?
- Can You Insure a Car Without an MOT?
- Can You Tax a Car Without an MOT?
- What MOT Class is My Vehicle?
- How long does a MOT take?
- Drive without an MOT - what you need to know
- How to report a car with no MOT
Owning a car
- All the Info You Need on Your V5C Log Book
- V5C New Keeper Slip: How to Change a Car’s Registered Keeper
- How to change a car battery
- What does a car service include?
- How much oil does my car need? A handy guide
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- Car Insurance Groups [A Complete Guide]
- Car Insurance Group Checker
- New registration plates for 2025: UK number plates explained
Car Tax
- Free Car Tax Check: Check if Your Vehicle is Taxed
- UK car tax changes 2025: what you need to know
- Can You Tax a Car Without an MOT?
- How to tax a car: Your complete guide
- How much will electric car tax be?
- Can you tax a car without insurance?
Modified Car
Classic car insurance guides
Check out our latest guides to find out more about classic vehicles and classic and vintage car insurance policies:
Car Insurance
Save money on your Car Insurance
Helping to save you money, without compromising on cover. As a car insurance broker, we listen to your needs and help you find a policy that’s right for you — at our best possible price.
Classic Motorbike Insurance
Comprehensive policies catered to the owners of classic motorbikes.
Whether you ride a Harley, Royal Enfield or a Vincent, you’ll understand the pride and joy that comes with owning a classic motorbike, and how important it is to protect your vehicle.
Classic Multi-car Insurance
Specialist cover for owners of more than one classic car.
If you have multiple vehicles, putting them on the same policy opens opportunities for owners to receive a discount for the additional vehicles.
Other Specialist Insurance
We specialise in steam, classic commercial vehicles and tractors
Our specialist team of advisors can help find you great value cover for a whole range of classic specialist products.
Car Collection Insurance
Keep your collection of cars insured under one roof
Whether your collection is made up of vintage cars, classic cars, high performance cars or a combination of vehicles, we can help you find a car collection insurance policy that’s right for you.
Kit and Replica Car Insurance
Tailored cover for your individual kit car or replica
Whether it’s a replica of famous Hollywood car, or a car you’ve assembled yourself at home, we have a kit and replica car insurance policy that can protect your unique asset.
Military Vehicle Insurance
Military vehicles need protection too
We understand what it is military vehicle insurance needs to be in order to meet the expectations of owners of these types of vehicles.
Hot Rod and Custom Car Insurance
Tailored insurance for your custom car
We adore traditional classic motors but we also appreciate the art of the modified vehicle. If you are looking for hot rod insurance or cover for your custom car – you have come to the right place.