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Classic Car Insurance

Online Classic Car Insurance

Online Classic Car Insurance

If you are looking to insure your classic car, look no further! We have teamed up with Lancaster Insurance to offer you competitive online cover for your classic car. Lancaster are specialists in arranging classic car insurance and will search their panel of insurers which includes many of the UK’s leading insurers to get you a great deal on your classic car insurance. 

To obtain a competitive classic car insurance quote and cover simply click on the quote button opposite. You will be transferred to Lancaster Insurance Services Ltd for your classic car insurance quote.

You will get an instant quotation and instant cover is available.

At Hodgson Insurance Services we also have another 3 Classic Car providers so if you have a bit of time you can also call our office on 01288 353999 where we can take your requirements over the phone and check our other classic car providers!!

Why Do We Use Lancaster Insurance?

Lancaster Insurance Services has specialised in providing classic car insurance to the UK market since 1984. The knowledge and experience they have gained by working in this area has enabled them to tailor their insurance schemes to meet the individual needs of today’s classic car owners. With access to over 20 insurance companies offering 100 insurance schemes underwritten by the UK’s leading insurers and with an instant quotation available online and if acceptable instant cover given, we feel our partnership with Lancaster Insurance will help bring you the experience who are after in purchasing insurance cover for your classic car.

In addition to Lancaster we also use Hagerty, Highway and Towergate to bring you the most comprehensive classic car options available. These 3 insurers can only be offered by calling our office.

Classic Car Policy Benefits

  • 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 Scheme

  • 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?
Lancaster 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.

At What Age Is A ‘Classic Car’ Classed As A ‘Classic Car’?
Lancaster can quote for most vehicles under their classic car scheme when they are over just 12 years old.

What If I Have A Dodgy Driving History?
Lancaster 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?
Lancaster 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.  Lancaster will 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 Lancaster, 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?
This classic car scheme is arranged entirely online for New Business. Just click on the quote buttons on this page and run through the quick questions on the quote form.  If acceptable you can arrange cover instantly online at the end of the quote. A secure online payment facility will then take your credit or debit card details and collect the payment. The new business documents will either come to you directly from Lancaster Insurance or from ourselves Hodgson Insurance Services. Any mid term changes can be made again directly to Lancaster or via ourselves. At renewal time you will be notified by email from Lancaster Insurance and a new competitive renewal figure given.

I’m A Member Of A ‘Classic Car Club’, Can I Get A Discount?
Lancaster 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 !!!

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