Classic Car Insurance Cover

If you are looking to insure your classic car, look no further! We have teamed up with a small but specialised panel of leading classic car insurers who all offer competitive cover for classic vehicles. We will search this panel of insurers on your behalf to find you the best deals.

To obtain a competitive classic car insurance quote simply call us on 01288 353999 to discuss. We collate the information over the phone and review a panel of classic car companies.

Some Of The Classic Car Policy Benefits Available Within Our Panel

• Free European travel for up to 90 days a year *

• Windscreen cover is available for the repair/replacement of glass, the windscreen or windows*

• Includes personal effects and audio cover (Not available with some classic car policies out there)*
  * Benefits subject to cover selected.

• Courtesy car available following a claim on Comprehensive cover policies.

• Approved network of repairers following a claim or use of your preferred repairer.

   

Classic Car Cover Criteria

• Cover available for up to 5 drivers

• Modified vehicles are acceptable

• Vehicles can be covered up to a value of £60,000

• Drivers can be covered aged between 21 – 70 years old

• All drivers must have held a full UK of EU licence for at least 3 years

• Mileage limits can be from 1,000 up to 40,000 miles per annum

• No garaging clauses on most schemes. (Most companies insist on this)

• Comprehensive and Third Party Fire & Theft cover available

• Social, Domestic & Pleasure use included with optional commuting and business use available

• All drivers must have been claim free in the last 12 months

• All drivers must have had no more than 2 minor motoring conviction, e.g. SP, PC, CU

Classic Car Discounts Available

• Discounts for low mileage or limited mileage through the year.

• Classic Car Club members discount.

• Classic Car used as a secondary vehicle and not your main car.

• Introductory discounts available up to 65% for new classic car owners.

• Classic car kept in a secure locked garage discount.

• No Claims Discount.

• Limited drivers discount.

• Age of driver discounts.

Additional Services Available Under The Classic Car Insurance Schemes

• Guaranteed Agreed Valuation – In the event of a total loss claim you will be paid the certified value of the vehicle (less the policy excess).
• Breakdown Recovery Service  –  You have the option to include Lancaster Insurances competitively priced breakdown package which includes breakdown assistance, nationwide recovery and home call.
• Legal Expenses Protection  –  In the event of a non fault claim this protection can help in recovering your uninsured losses from the third party and includes legal assistance and a legal advice line.

Some Useful Advice, And Explanations For Your Classic Car Insurance

What Type Of Vehicles Can Be Insured?
We can quote for all types of classic cars ranging from your standard classic car, but including things like classic vans, modified classic cars, ex-military vehicles, certain imported classic cars, American classic cars and classic motorhomes like VW campers, classic tractors, classic 4X4’s, and classic Landrovers.

What If I Have A Dodgy Driving History?
We can quote for drivers who have had previous accidents or if they have a conviction history, like speeding convictions, no insurance convictions etc. To start with though you must be claim free in the last 12 months and have no more than 2 minor convictions.

My Classic Car Is Not Garaged, Can It Still Be Covered?
We can cover all types of classic cars if they are kept on the road or on your private property, although discounts are available if you can put the car in a locked garage. They will also quote if the car is kept at a different address to your own home.

What Exactly Is A ‘ Guaranteed Agreed Valuation’?
Classic car owners can often spend a lot of time and money restoring their beloved Classic to its original (or better) condition.  In some cases the amount spent exceeds the amount the car is actually worth, otherwise known as ‘market value’. This is why a ‘Guaranteed Agreed Valuation’ is offered on all the classic car insurance policies, for which an additional premium is payable.
Once applied to the insurance policy an agreed valuation application form will be included with your documentation.  Insurers will often require 6 current photographs of the insured vehicle, made up of 4 exterior body exposures, 1 of the interior engine bay and 1 of the interior.
Once the agreed valuation report and photographs are received by insurer, an expert valuer will set the Guaranteed Value of the vehicle. The valuation is valid only from the date printed on the Agreed Valuation Certificate of which one copy will be sent directly to you.
If during the course of the annual insurance period a total loss claim occurs, the amount paid as a result of a claim will be the guaranteed value amount stated on the current valuation certificate less any policy excess.
N.B. Most insurance companies will offer you an Agreed Valuation policy, but will knock off wear & tear values or if they don’t think it’s worth what you said, they will put their own value on it. Lancaster will pay you exactly what you insure for.

How Do I Arrange Cover And Pay For My Policy?
Call us on 01288 353999, we can review a variety of specialised classic car insurers.

I’m A Member Of A ‘Classic Car Club’, Can I Get A Discount?
We may be able to offer discounts if you are a member of a classic car club. Whether it is BMW Classic Car Club, BMW Club, a sports car classic car club, whether you belong to club in the north or south, an American classic car club, any type of vintage or classic car club a discount will be given.  Lancaster not only provide superb classic car insurance policies, they also run and look after the MG classic car club and publish the MG club magazine.
If you’re not a current member then you may find the discounts given on this scheme are bigger than if you didn’t join, so perhaps you should join a club near you now !!!

Arrange a competitive classic car insurance quote today, simply call us on 01288 353999 to discuss.