Classic Car Insurance

For over 30 years, we've been providing classic car insurance as your local broker

Since 1993 Howden Insurance have been providing classic car insurance policies to communities across the UK as a local insurance broker.

To achieve this, we work with specialist classic car insurers across the industry and compare policy options on our clients' behalf, based on what they tell us they expect to get from their cover. Whatever classic car you need to insure, and whatever budget you have, we'll do everything we can to help you get your hands on a comprehensive policy.

Our team acknowledge that each motor policy needs to be as individual as its owner and their classic or vintage car, and that’s why we provide a bespoke, personalised service, which focuses on getting to know you and finding out exactly what you want from your cover.

To get a quote, you can either give us a call on 01635 874 646, submit a call-back request on our website, or visit us in your local Howden branch.

Benefits of choosing an insurance broker:

• Speak in-person with someone from your local branch, within your community.
• We’re driven to save you time, money, and hassle.
• Benefit from a tailored service that comparison sites can’t provide.
• We’re right by your side in the event of a claim.
• You can trust us – we’re rated Excellent on Trustpilot.

What is classic car insurance?

Classic car insurance works differently from standard motor insurance policies, as it’s specifically designed to provide coverage for vintage, collectible, or classic cars. These policies consider the unique characteristics and value of classic cars, as well as the driving habits of their owners.

We also understand that vintage and antique car owners are not like other motorists and need a specialist insurance team who take that extra care. In order to offer a personalised service and find a classic car insurance policy that’s right for you, however, we need you to provide the following information:

• What type of car you want to insure
• The age of the car
• The car’s value
• Where you’ll park the car
• Your annual mileage
• The main driver’s no claims history and driving experience

Once we’ve found out more about you and your classic or vintage car, we can then get cracking on with finding you a policy that meets your expectations.

When does a car become classic for insurance purposes?

For many insurers in UK, if a car is in good condition, has high market value (usually over £15,000), and is over 15 or 20 years old, they'll consider it to be classic.

However, insurers do differ in terms of what they believe is a 'classic car'. For example, some insurance providers will only provide classic policies for certain cars models, or vehicles which are deemed to be particularly rare. 

Therefore, it's important that you get clarity from your insurer around when they consider a car to be classic. You can read more about this in our dedicated guide: When Does a Car Become a Classic?

Different categories of classic car

What if your vehicle is well over 20 years old? This might mean your car falls under a different category...

Veteran: must be built before WW1 (1914 to 1918)

Vintage: must be built before 1930

Post-vintage: built between 1930 and 1945

Is your car old enough to fall under any of these categories? That's okay, we can still help you get your hands on a policy that provides the protection it requires.

Get a quote

Benefits of classic car cover

Across the range of specialist insurers we work with, they offer a wide variety of benefits included in a classic car policy: 

• Limited mileage discounts
• Laid up cover
• Agreed value cover
• Key care
• Breakdown cover
• Excess protection insurance
• Spare parts cover
• Salvage retention
• EU cover
• Opt for the repairer of your choice
• Public liability insurance
• Discounts for car club members
• Windscreen cover
• Legal expenses cover
• Repairer of your choice

How much is classic car insurance?

A classic car insurance policy premium can range from £100 to £800 a year. This range is so broad because, each and every vehicle is different, and it's the individual features of each vehicle which will impact how much it'll cost to insure it.

The cost of an insurance premium for a classic car can depend on:

• Its age
• Its features and modifications
• Its make and model

Besides the car itself, insurers take several other things into account when calculating insurance premiums too, such as:

• Your driving and claims history
• Where you live and regularly drive
• Your annual mileage
• Where your high performance car will be parked

As well as that, all cars, whether they're new or classic, are categorised into different car insurance groups. These range from 1 to 50, and help insurers decide how much to charge for premiums. Not sure what insurance group your high-performance car belongs to? Find out with our Car Insurance Group Checker tool.

Is classic car insurance cheaper than standard car insurance?

Yes, you might find that classic car insurance quotes are often cheaper than standard policies. This is because classic cars are typically better looked after, stored in safer environments, and are driven less frequently. This makes it less likely for a classic car to be involved in a claim.

You can find out more about the cost of insurance premiums on classic car policies in our guide: Is classic car insurance cheaper?

Is classic car insurance cheaper for young drivers?

No, classic car insurance is usually more expensive for young drivers. In fact, across all car insurance policies, younger drivers will face higher premiums because they're deemed by insurers to be more likely to be involved in a claim, mainly because of their age and experience.

Types of classic insurance we offer

Classic campervan insurance

Is your campervan over 20 years old? We can help you find a policy that covers your classic camper.

Classic multi-car insurance

If you have multiple classic cars, we can source you a policy which can cover them all at once.

Classic Land Rover insurance

We insure Land Rovers of all ages, including those that are deemed to be classic.

Classic 4x4 Insurance

Classic modified car insurance

Brand-specific classic car insurance

Classic military vehicle insurance

Temporary classic car insurance

Classic car daily driver insurance

Modern classic car insurance