We’re committed to finding our customers the cover they need at the right price. Talk to 1st Choice Insurance, we’ve got you covered!
"We have had specific requirements for our insurance policies and are very pleased with the ease of getting the cover we need at a great price."
- Sophia & James Kirk
Information on our Classic Car Insurance
Classic Car Insurance
Our team at 1st Choice Insurance believes that everyone deserves great value on their insurance policies, which is why we offer great value for money with incredible savings. Call us today on 0800 078 7003 - 0300 600 0603 or complete our Get a Quote Form.
At 1st Choice Insurance, our team will use their specialist knowledge of the insurance market to ensure you get the cover you need at the right price. With experience in arranging Classic Car Insurance for our clients, we can advise on the best level and type of cover for your needs.
Classic Car Facts:
- If your car was manufactured before 1960, you don’t need to have it MOT tested (proof of roadworthiness may still be required by the insurer though)
- Cars registered prior to 1974 don’t require road tax
Our team will be able to advise on the cover choices that are available to you, from both mainstream and specialist insurers. Policies can be competitive as insurers know that classic car owners are more likely to keep their vehicle well maintained and often stick to a low annual mileage. As with all insurance policies, it is important to carefully check your policy wording to check that it is suitable for all your requirements.
For the insurance purposes, cars over 15 years old (10 years for some insurers) can be considered as a classic.
Get a Classic Car Insurance Quote
We know that classic car owners can be completely devoted to their pride and joy so whether you drive a Ford Cortina Mk3, Triumph Spitfire, MG Roadster or Aston Martin DB4, 1st Choice Insurance is here to help. Call our friendly, experienced team on 0800 078 7003 - 0300 600 0603 for a no obligation quotation or use our Get a Quote Form.
Can my classic car insurance restrict mileage?
I rarely drive my clasic car, do I really need insurance?
What kind of security do I need for my classic car?
Can the value of my classic car change the premiums?
What if I'm a member of a classic car club?
Some classic car insurers can place annual mileage restrictions on the assumption that the vehicle is only used for a few weeks a year. Therefore, it is important to declare to us whether your classic car is used on the daily basis (e.g. commuting), to ensure that you are not restricted with a mileage allowance.
Whether you only use your classic car for holiday or the occasional jaunts, you will still require insurance cover all year round, unless you complete a Statutory Off Road Notice. However, it may be possible to obtain ‘laid up cover’ for your vehicle, which could help reduce your costs.
With the increase in ‘steal to order’ thefts, classic cars need to have adequate security in place. An alarm or tracker type security device is a consideration and may also have the benefit of lowering insurance premiums. Ensuring your vehicle is kept in a garage or secure building overnight is also an option.
Establishing the true value of a classic car can be tricky! If it’s an older vehicle and parts are rare and/or expensive, the cost of repair or replacing with good quality parts can be extremely high. All modifications, including alternative replacement parts (where original parts were not available), should be disclosed. When advising us of the value of your vehicle, it is worth considering obtaining an agree valuation, rather than relying on unpredictable market price.
You may be a member of a Classic Car Club, which suggests insurance companies who can offer a discount if you insure through the club. However, although they may seem ideal for your classic car insurance, it is always worth getting a broker like 1st Choice Insurance to check the market, as well as carefully checking the cover available.