How To Get Cheap Antique And Classic Car Insurance

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In comparison to the safety standards of the vehicles of today, cars in the past were not exactly manufactured according to these standards. Unlike modern vehicles, the value of classic cars in the United Kingdom tends to rise instead of falling. These are some of the reasons that classic cars are considered as higher risk and getting classic cars insured can prove to be a bit tricky. When it comes to looking for classic car insurance, keeping the following things in mind will help owners of classic cars find the right cheap insurance policy.

Where to Start?

classic-car2If you own an insured standard vehicle other than your classic car, then your existing insurer is a good place to start looking for cheap insurance for your classic car. Insurance for classic cars might not be offered directly offered on the websites of car insurers, but they often have a particular department that offers classic car insurance. You should consider doing business with your existing insurer because you might be offered discounts. However, you might have to shop around if competitive quotes are not offered by your current insurer or classic cars are simply not covered.

What to Look For?

If you have decided to shop around, then you should start by checking as many car insurance comparison sites as you can because most of them compare different insurance companies. While quotes might not be returned by all the comparison sites due to natural of a classic car, but you will be able to build a list of potential insurance companies. Using comparison sites is a tried and tested method of saving money on any kind of car insurance, and you should never overlook it. Classic car insurance policies focus on certain particular areas.


Valuation is important for every vehicle, and the value of your classic car will most probably increase rather than decreasing. So, you should look for an insurance company that will provide you an agreed valuation at the beginning of the cover and will also reassess the valuation of your classic car every year. Since you are a classic car owner, you should make sure you get agreed valuations instead of market value deals, as they are perfectly suitable for you and will protect your investment too.


Security features will also be necessary for you, and you will be able to reduce the cost of classic car insurance quotes with them. If your classic car is equipped with recognized security features, and if you store your classic in a garage, then you will also qualify for discounts and avail better premiums. While most classic car owners usually drive the cars during summer and if you are planning to drive your classic car in the winter months then you will have to make statutory off-road notification to your insurer too.

DVLA Registration

You may also be able to save money on getting your antique or classic car insured if it is registered with the Driver and Vehicle Licensing Agency (DVLA). Unless you have not been using your classic car on the road, you should call the dvla phone number and find out how to register it and then proceed to look for a cheap insurance policy.

No doubt, the insurance industry and many specialist insurers are particularly offering insurance options for classic car owners. However, finding classic car insurance is still quite tricky and comparing different insurance companies is the best way to find the best, cheap offers.

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