Classic Car Insurance
Are you looking for specialist classic car insurance for your cherished vehicle? At Chris Knott Insurance, we understand that classic cars are prized possessions that deserve unique protection. As experienced classic car insurance brokers, we provide comprehensive classic car insurance designed specifically to protect your classic car, whether it’s a vintage car or a modern classic vehicle.
What qualifies as a classic car for insurance purposes?
A “classic car” definition can vary between insurance companies. Typically, vehicles over 20-30 years old are considered classics, but we take a more flexible approach. We recognise that modern classic cars from the 1980s and 1990s also qualify alongside traditional vintage cars from earlier periods based on their rarity, desirability, or historical significance.
If you are unsure whether your car counts as a classic for insurance purposes, our team can advise you on the specific classic car insurance cover that’s most suitable for you. Classic cars are maintained to higher standards than everyday vehicles, which means specialist cover is needed.
Why do I need specialist classic car insurance?
Standard car insurance policies are designed for vehicles that depreciate over time. The difference between classic and regular car insurance is significant, classics maintain or increase in value, are driven less frequently, and require specialist knowledge for repairs. Insurance companies offering standard car insurance rarely account for these unique characteristics.
Specialist classic car insurance provides several important benefits:
- Agreed value cover, ensuring the value of your classic is properly recognised.
- Flexible usage options tailored to how classic car enthusiasts drive their vehicles.
- Recognition of the care and attention classic car owners and enthusiasts typically provide.
- Access to specialist repair networks that understand vintage cars.
- Cover for attendance at classic car shows, car meets, and events.
Without specialist cover, insuring a classic car with a standard car insurance policy could leave you under-protected.
What does classic car insurance cover?
Our classic vehicle insurance can be tailored to your requirements, but typically includes:
- Agreed value car cover for your vehicle.
- Comprehensive classic car insurance protection against accidental damage.
- Fire and theft cover.
- Third-party liability protection.
- Salvage retention options.
- Cover for spare parts and accessories.
- European driving cover.
- Limited mileage discounts.
- A wedding car cover for those using their classic car commercially.
- Protection while taking your classic to car shows and events.
Compare classic car insurance quotes from us to see how our policies offer flexibility that matches your specific usage patterns and needs.
Can I use my classic car as a daily driver?
Yes, we can arrange classic car insurance if you drive the car every day. While some classic policies are based on limited annual mileage, we understand that some enthusiasts prefer using their classic car for regular transport. We offer options for higher mileage usage, though this may affect your insurance premium.
Use your classic car every day. We will help you find insurance policies that provide the proper protection while recognising the care classic car enthusiasts give their vehicles, even with regular use.
Why choose Chris Knott for your classic car insurance?
At Chris Knott Insurance, we have been providing specialist vehicle insurance solutions to businesses across the UK.
We work with the UK’s leading specialist classic car insurers, who share our appreciation for these special vehicles.
We offer personal service from our UK-based team, and claims support from handlers who understand classic cars. Rather than using compare-the-market sites that might not fully appreciate your vehicle’s unique nature, our bespoke service ensures specialist classic car insurance that truly protects your classic.
Contact us today to compare classic car insurance quotes for your vehicle. Our knowledgeable team is ready to help you get classic car insurance that provides the right cover for your cherished classic at a reasonable price.
Classic Car Insurance FAQs
Got questions? Our Classic Car Insurance FAQ covers everything from agreed value policies to laid-up cover, explaining how premiums are calculated and what each level of protection means. It’s your quick-read guide to understanding the finer details, without the jargon.
We’re often asked ‘how old is a classic car?’ by our customers.
For Classic Car Insurance, the age of the vehicle may vary depending on the insurer. As a general rule, HMRC says it should be at least 15 years old and worth at least £15,000. However, here at Chris Knott, we have access to a provider who will offer insurance on cars worth upwards of £2,000.
Some consider iconic brands (Mini, Jaguar, Mazda MX5s) as classics. But each insurance company will have their own rules. Some companies have separate ‘heritage’, ‘collectable’ or ‘vintage’ (pre-1930) categories.
Our knowledgeable team can discuss your individual car. We’ll see if it counts as a classic and try to find the a deal before giving you the best Classic Car Insurance quote for your needs over the phone.
Classic, Vintage, Cherished or Collector Car Insurance policies provide specialist cover and sometimes extra benefits for your vehicle. Typically it provides protection for valuable and old cars that aren’t your daily drive; they may even be unusual or imports. Insurance that provides adequate protection is vital so it’s often worth ensuring that you find a policy with ‘agreed value’ wording. If the worst happens and you suffer a total loss, your cherished car could be written off, but you can get the value you agreed with the insurer in a claim, rather than the market price for a vehicle of a similar age.
Cars from the 1980s onwards with onboard electronics may qualify as modern classics. Insurers may also consider your car a modern classic if it is a particularly good example of its type or is highly desirable.
Absolutely. We’ve worked with owners clubs since 1983 and we welcome classic car club and forum members because enthusiasts tend to be careful drivers who lavish attention on their cherished cars. Visit our Owners’ Club Insurance page to find out more.
That’s not a problem! We don’t just arrange Car Insurance for Classic Cars. We can arrange Car Insurance for older vehicles too. We’ll advise on the best Old Car Insurance policy for your needs.
It can be, yes. Older cars are often simpler, heavier, slower. As such, they are less at risk of a claim. As a rule, classic car drivers are more cautious, drive fewer miles, shorter distances, at quieter times and in fairer weather – all of which minimises risk.
There may be. For instance, modifications may affect a car’s ‘classic’ status, so it’s important to declare this when getting a quote. Some insurers will have driver age and mileage limits too. Track days or racing may not be covered, depending on the insurer. In addition, for insurance purposes, a classic car can’t be your everyday vehicle and should benefit from off-road and/or garage parking. An independent insurance broker can help to ensure you have the right cherished vehicle insurance policy for your needs.
Yes, we can arrange Replica Car and Kit Car Insurance. Our experienced team of car insurance brokers is able to tailor a policy to you and your car.
We can even provide:
- Salvage options: get your vehicle or its parts back after a write-off event.
- Agreed value: receive a set amount in the event of a claim.
- Spare parts: protect any spare parts you may have against theft, loss or damage.
- Limited mileage car insurance: discounts may be available if you don’t drive the vehicle often.
Either request your Classic Car Insurance quotes online, or call us on 0800 917 2274.
Yes, at Chris Knott, we know that passionate car enthusiasts may want to make changes to their vehicles to improve their appearance and performance. Just let us know about any of the modifications when you come to arrange a quote and we’ll factor this into the price.
Yes we can! Collector Car Insurance is an ideal option if you are a true enthusiast and want to insure all of your prized vehicles under one policy. It is particularly suited to those who have at least one classic or specialist vehicle alongside a collection of other classic or modern cars, motorcycles or commercial vehicles.
If you don’t have any specialist or classic cars in your collection, then Collector Car Insurance may not be for you.
The benefit of a Collector Car Insurance policy is that you have just one set of policy documents and one renewal date for all of your beloved vehicles. Each car under the policy will also accrue its own no claims bonus.
To find out if Collector Car Insurance is right for you, get in touch with our experienced team.
Yes! We are able to arrange breakdown cover for most vehicle types.
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