Classic car insurance

Classic car insurance — What you need to know

Vintage and classic cars are more than just vehicles – they are a hobby, a passion, a treasure, which is why they often need specialised classic car insurance policies to protect them against damage and the increased risk of theft.

If your car is deemed a classic then you can often receive reductions in your policy price as:

The insurer generally presumes you will be doing less mileage in the car (though you will need to confirm this when you apply).

Most people who drive a classic car take care of it and maintain it to a higher standard. They may also store it in a secure location (again you will need to confirm this).

It’s important to note that quotes you get from insurers through will offer standard cover for the car at its current market value (which may be a lot less than its value as a classic), however some of the insurers we compare, do offer specialised classic car policies that cover the car for their true value as a classic (also known as agreed value cover).

If it is agreed value cover you’re after, once you’ve got a quote, speak to your chosen insurer to see if you can add it to your policy. Adding agreed value cover to a policy could increase your premium and may incur additional charges, but can offer a level of cover tailored specifically for your car.

Depending on the insurer, you may also be offered the following additional cover options:

Breakdown cover

Legal protection

Laid up cover (for when your vehicle is off the road)

EU cover

Limited mileage discounts

If you’re under any doubt, make sure to check the small print, including the cover value of your policy before you buy.

What counts as a classic car?

All pre-1960 cars are exempt from road tax, but many other factors are taken into account when determining if a car is a ‘classic’ – not just its age.

In the UK, there is no fixed age group that a classic car must fit into. For insurance purposes a classic car can be any car that is older than 15 years.

These are often known as modern classics, and can be considered as a classic car despite their age, e.g. a 1989 Volkswagen Golf GTI.

It’s up to the insurer whether they class the car as a classic, which is why it’s always good to compare a range of providers and prices.

There has been a long running debate on what qualifies a car as a classic, with many feeling that age alone is not enough. The Federation of British Historic Vehicle Clubs has outlined new guidance from the Department of Transport stating that a vehicle will be deemed historic with a 30 year threshold.

These factors all make the job of predicting future classic cars a difficult business, but if you’re interested in potential investments, take a look at our article on 5 future classics.

At Lancaster Insurance, we have been proudly arranging classic car insurance for over 30 years.

Specialising in arranging cover for your cherished vehicle, our tailored and comprehensive policies are designed to protect your investment.

We appreciate the importance of recognising the true value of your car and our team will be happy to talk to you through our benefits, such as agreed valuations and salvage retention.

We will offer you a tailored policy, bespoke to your requirements – this can include cover for:


Limited mileage policies

Cover for show displays

Rallies and much more

We pride ourselves in being able to arrange insurance for a wide range of:

Classic cars




American cars

Military vehicles


Classic Car Insurance

What we can cover

One area we always pride ourselves on is being able to arrange insurance for a vast array of vintage car models.

Using our wealth of experience and knowledge of the industry, we are able to quote for virtually every vehicle available.

Agreed valuation

We arrange specialist insurance schemes which allow you to purchase an agreed value alongside your policy.

This ensures in the event of a claim for total loss, you will be paid the certified value of the vehicle, less the policy excess.

Club member discounts

Lancaster Insurance is committed to supporting the classic car clubs.

Owners club members may enjoy discounts of up to 25% off their insurance premium (the level of discount offered by each insurer differs and is subject to underwriting criteria).

Laid up cover

Protect your classic project in the event of accidental damage, or fire and theft, while your vehicle is off the road.

Limited mileage insurance

If your car is used for limited mileage only, you can receive a fantastic discount.

Starting from as little as 1,500 miles per year, the discount decreases the more miles covered.

We still insure drivers with unlimited mileage at a great price too!

Modified classic car insurance

We understand modifications to a vehicle are common during repair or restoration projects, please make sure you inform us of all modifications to ensure we can offer the most suitable level of cover for your modified vehicle.

Multi-vehicle Insurance

If you have a collection of cars, we can usually cover them all under a single policy, and at a discounted price.

These can include various other types of vehicles too, such as classic cars, 4x4s, campervans and even tractors!

Please call us on 01480 484826, providing us with all vehicle details, so we can offer you a great multi-vehicle quote.

Wedding Car Insurance

Please tell us if you would like to be able to use your classic car for occasional wedding hire use, so that we can find a suitable insurer who will provide this cover.

We will need to know if you require hire use prior to accepting your insurance policy (it may be subject to an additional charge against your insurance premium).

Why Choose Lancaster Insurance:

Lancaster Insurance has access to some of the most competitive classic car, vintage car and classic vehicle insurance schemes in the UK.

We work with carefully selected underwriters to enable us to offer both comprehensive and bespoke insurance solutions, with our customers in mind.

To speak to a member of our insurance team, please call 01480 484826 or click here to request a call back.

Do you have a vehicle that’s hard to insure?

We will listen to your requirements for cover, and discuss the best options with our panel of expert underwriters, to see if we can cover your cherished vehicle.

Call our specialist team on 01480 484826 and let Lancaster Insurance help you.

Classic Car MoT Exemptions

In May 2018 the Department for Transport announced that cars that were built more than 40 years ago exempt from MOT testing, with the option for owners to voluntarily have their car tested if they feel it needs checking.

What vehicles can we cover?

One area we always pride ourselves on is being able to arrange insurance schemes for a vast array of classic car and vintage car models.

Using our wealth of experience and knowledge of the industry, we are able to quote for virtually every vehicle available.

Look below for some of the most popular models:

Alfa Romeo Insurance

Aston Martin Insurance

Audi Insurance

Austin Insurance

Bentley Insurance

BMW Insurance

Citroen Insurance

Daimler Insurance

Fiat Insurance

Ford Insurance

Honda Insurance

Jaguar Insurance

Mazda Insurance

Mercedes Insurance

MG Insurance

Mini Insurance

Peugeot Insurance

Porsche Insurance

Renault Insurance

Rolls-Royce Insurance

Toyota Insurance

Triumph Insurance

Vauxhall Insurance

Volkswagen Insurance

Volvo Insurance

Don’t worry if your car doesn’t appear, this is only a select few! If you wish to know more, please don’t hesitate to give us a call and we will be happy to give you a quote.