Benefits of our Classic Car insurance policies
- FREE Breakdown Membership
- FREE Motor Legal Cover
- Classic car insurance specialists
- Comprehensive cover available
- Uninsured driver promise
- UK based team
Getting you cheap classic car insurance quotes
Owning a classic car isn’t just about getting from A to B, it’s often about the heritage, the smiles per mile or the investment potential. With this in mind and regardless of whether you own a 80s Ford Escort, a 90s VW Beetle or an early 2000s MG ZR, you’ll most likely need a classic car insurance policy.
Designed to provide cover for cars over 15 years old, classic car insurance protects your car against common risks; depending on the level of cover you choose, it will ensure you aren’t personally left out of pocket if it is damaged or destroyed in an accident, fire or theft.
At One Call Insurance, we gather your requirements and compare classic car insurance policies from a number of specialist insurers in order to find you the right cover at the best price.
Classic car insurance policy features
When you compare and buy classic car insurance from One Call Insurance, you could benefit from a whole host of policy features and benefits. For example:
Uninsured Driver Promise
As standard we provide protection against the risk of you being hit by an uninsured driver. Provided you can supply the registration number, make and model, we’ll record your claim as non-fault and your NCD won’t be affected.
Free Breakdown Membership
You’ll get Free Breakdown Cover when you buy classic car insurance with One Call Insurance. The cover incorporates things like home start, roadside assistance and recovery if your car can’t be fixed on the spot.
UK’s No1 Car Insurance Website
Our customers have rated us as the UK’s No1 car insurance website on popular independent review website, Review Centre. In total they’ve collected more than 22,000 genuine reviews from customers who’ve held a car insurance policy with us.
Depending on how old your classic is, what make and model you have and how you intend to use it, there are three levels of classic car insurance cover to choose from:
- Comprehensive Classic Car Insurance – Comprehensive insurance incorporates all the cover form a Third Party, Fire & Theft policy, but also provides cover for the cost of repairing or replacing your car if it is damaged or written-off in an accident where you are at fault. Similarly, it includes cover for the cost of medical treatment if you or your passengers are injured in the accident.
- Third Party, Fire & Theft Classic Car Insurance – Third Party, Fire & Theft Insurance is almost identical to Third Party Insurance, except for the inclusion of cover for the cost of repairing or replacing your classic car if it is damaged or destroyed in a fire or theft. It also provides cover for a replacement if your car isn’t recovered after it has been stolen.
- Third Party Classic Car Insurance – Third party classic car insurance provides cover for the cost of repairing or replacing third-party vehicles and objects that are damaged in an accident where you are deemed to have been at fault. It also provides cover for the cost of medical expenses if a third-party is injured in the accident. As the name suggests, it doesn’t provide cover for you or your car.
If your classic car isn’t SORN, the law states that it must be covered by a valid car insurance policy. What the law doesn’t state is that it has to be a specialist classic car insurance policy; it could therefore be a standard policy.
However, some mainstream insurers try to steer away from insuring older cars and in the process either load the price to put you off insuring with them or decline cover altogether. With this in mind, you should consider a specialist classic car insurance policy, not only because of the potential savings, but because the cover will likely be better suited to the needs and risks associated with driving a classic.
Ask a group of classic car enthusiasts what they’d define as a classic and you’ll likely get a different answer from each of them. The same can be said for classic car insurers, however, as a general rule of thumb, a car is considered to be a classic if it is over 15 years old. However, within this ‘classic’ status, enthusiasts often refer to sub categories such as ‘modern classic’ (anything post 1976) and ‘true classic’ (anything pre 1976 and therefore road tax exempt).