Antique Car Insurance and Classic Vehicle Insurance

Owners of very old cars or may be pleased to know that if the vehicle was manufactured between 1903 and 1933 then it is classed as a vintage car by some motor insurance companies. Other insurers insist the vehicle must be pre 1940 for it to be categorised as a vintage motor. If a vehicle was manufactured before 1903, then it is normally classed as a veteran.

If you already own a vintage motor car or are thinking of buying such as a vehicle to restore or use for pleasure it is worth looking into the different insurance products available. Many vintage motor owners who belong to enthusiast clubs will have access to specialist classic vehicle insurance schemes primarily designed for that particular vehicle. However, before getting a quote, always check to see whether the scheme offers a guaranteed agreed valuation at the point the motor insurance is purchased. A guaranteed agreed valuation is the value guaranteed by the insurance company should the vintage motor be written off or stolen during the life time of the policy.

Some vintage antique car insurance schemes will also offer a discount if the vehicle is securely garaged and annual mileage is limited. For those enthusiasts who are restoring their beloved vintage vehicle, look out for laid up motor insurance policies. These cover vehicles that are either being repaired or restored and are not actually used for driving. If you are touring with your vintage motor at home and abroad there are also classic vehicle insurance schemes to cover this activity.

Please note, conditions will apply for whatever type of antique car insurance or classic vehicle insurance policy is purchased. Always ensure that the level of cover is adequate and fits the purpose of what the vehicle is intended for.