Classic Car Insurance Guide: Everything You Need to Know

If you're lucky enough to own a classic car, you're not just driving a vehicle, you're preserving a piece of history. Whether it's a lovingly restored MGB GT or a pristine Jaguar E-Type, classic cars need the right protection. This guide explains everything you need to know about classic car insurance in the UK, from what makes a car "classic" to how to get the best quote.

What Is Classic Car Insurance?

Classic car insurance is a specialised type of cover designed for vintage or classic vehicles that aren't used for daily commuting. These policies consider the unique value, usage, and care requirements of older vehicles.

Unlike standard policies, classic car insurance often includes features such as:

- Agreed value coverage

- Limited mileage discounts

- Laid-up cover for non-driving periods

- Cover for restoration work

When Does a Car Become a Classic?

In the UK, a car is typically considered a "classic" if it is over 15 to 25 years old, depending on the insurer. HMRC defines vehicles built over 15 years ago with a value over £15,000 as "classic" for tax purposes. The DVLA recognises cars as "historic" for MOT exemption after 40 years.

Do Classic Cars Need an MOT?

If your classic car is over 40 years old and hasn't been substantially changed, it may be exempt from annual MOT testing. However, regular maintenance and voluntary checks are highly recommended for safety and performance.

How to Get a Classic Car Insurance Quote

Getting the best classic car insurance quote is about knowing what to look for and where to look.

Start by using a dedicated comparison site like InsureMy. Our easy-to-use tool helps you compare tailored policies quickly, making it simple to insure a classic car with confidence.

Consider these factors to get the most accurate quote:

- Vehicle age and condition

- Storage security

- Estimated mileage

- Membership in a classic car club

- Modifications or restorations

Where to Buy Classic Car Insurance

You can buy classic car insurance from specialist providers, classic car clubs, or trusted comparison tools like InsureMy. Comparing policies side by side ensures you're getting the best mix of coverage and value.

Ready to protect your pride and joy? Compare classic car insurance quotes now and find the best cover for your classic car in the UK.

Extra Tips for Classic Car Owners

Attend classic car shows to meet other enthusiasts and providers

Keep receipts and records of all restoration work for valuation purposes

Explore classic car auctions and dealerships for your next purchase

Consider storing your vehicle in a classic car garage for added protection

Owning a classic car is a rewarding experience—but it comes with unique responsibilities. With the right classic car insurance, you can enjoy every drive knowing your vehicle is well protected.

Let InsureMy help you compare, quote, and cover your classic car with ease. Get your quote online today!