Classic car insurance is specialist cover for older cars. It’s tempting to think that classic cars are 70-year-old vehicles from the early days of motoring, but interestingly this type of insurance can include cars which are much younger.

Insurers vary on what they regard as a classic car, but the criteria generally includes cars which are at least 15 years old, with a value of £15,000 or more. To qualify as a classic car the vehicle needs to be driven less than 5,000 miles per year, is used as your second – rather than main – vehicle, and kept in very good condition.

Classic cars are often in demand and as a result their prices can rise over time, so it’s important to have classic car insurance as this provides an agreed price payout in the event of a total loss.

Premiums for classic cars are often lower than you might expect. This is because insurers respect the fact that owners maintain and drive their cars with care, and this can be reflected in premium prices. Nonetheless, it’s important to shop around for cover.

Classic car insurance is often available only through specialist insurers and the best way to compare cover is to use a broker. Andrew Bull Insurance Services has strong relationships with specialist car insurers, and can work with you to understand and set up the cover you need to protect your treasured vehicle.

There are many aspects to consider with classic car insurance, such as mileage, type of use, the age of your vehicle and any modifications. Our role as an insurance broker is to find you a policy which is tailored to your specific requirements.

Some specialist car insurers charge a fee to renew your insurance, and by using a broker as you approach renewal, we can help ensure that you continue to get the best value classic car insurance.