Like regular car insurance, there are a number of different types of classic car insurance:
Laid Up – If your car is off the road and SORN and kept in a garage with no miles added to the clock you may qualify for laid up cover. Cover may include accidental damage to the vehicle, damage to the vehicle by fire, theft of the vehicle and attempted theft damage.
Third Party – Third Party is the minimum legal requirement for all types of motor vehicles on the UK roads. It covers a situation where by, even if you were only partially to blame for an accident the insurer will pay for damaged to the other person’s vehicle, car or property as well as any injury. Third Party insurance however, provides no protection for any damage to yourself or your vehicle.
Third Party Fire and Theft – As well as Third party cover, you will also be covered in the event of your classic car being stolen or damaged by a fire.
Comprehensive – The highest but most expensive type of insurance, offers Third Party, Fire and Theft as well as damage or loss of your classic car.
Many classic car owners have these cars as a second vehicle and usually insure with low mileage selected. Typically classic car policies are available up to 5000 miles per year. At it's Classic Car Insurance our partners can cater for all requirements.