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Bateman Group Logo
Bateman Group Logo

Classic Car Insurance

    Classic car insurance mainly has the same aspects of your standard car insurance which will protect your car against any theft, accidental damage and liability to other road users.

    Why choose us for your Classic Car Insurance

    However the cover then extends to a more specific needs to your vehicle, these can include things such as agreed value this is important especially with the appreciation value of some classic vehicles whereas standard car insurance will not cover this.

    With classic car insurance, it will also cover your cherished plate on the vehicle as some of these are now becoming very valuable in the market today. Also, it can cover you for dismantled parts which can be used to restore the vehicle back to its original state.

    With our classic car cover, we deal with two of the largest motor insures in the UK that specialises in this area and can cover anything from veteran cars pre-1910 up to future classics post 1990 and even historic race cars which can be used for hill climbs and events.

    Helping the UK with Classic Car Insurance since 1967

    Why The Bateman Group?

    • Established since 1967
    • Personal service – nominated point of contact
    • Annual reviews
    • 100% independent consultants with access to whole of market
    • Capacity & experience to place non-standard/specialised risks
    • Experienced ‘in-house’ support team
    • Swift issue of policy documentation
    • Rapid claims handling
    • 3,000 clients across the UK

    Benefits of cover include:

    • Agreed value coverage
    • Limited mileage options
    • European touring cover (including rallies and car clubs)
    • Cherished plate cover up to £10,000
    • Salvage retention option to customers following a total loss
    • Multi vehicle coverage for classic car collections
    • Excellent claims handling service from an A+ rated Lloyds insurer

    Optional cover can be included:

    • Legal expenses cover
    • Breakdown cover including European cover
    • Cover for vehicles in transit whilst be brought from overseas

    Classic Car InsuranceFAQs

    What is Classic Car Insurance?

    Our Classic Car Insurance is a package built specifically for classic car drivers to provide cover for day-to-day risks that come with driving your prestige cars. The package contains everything required to be fully protected as a driver, including cover such as fire & theft, comprehensive, key loss, plus many other areas of protection and benefits, such as agreed value on your classic motor and also cover for your cherished number plate.

    We also provide bespoke high-value classic car insurance to suit your requirements at the lowest possible cost but with the highest level of comprehensive cover for your peace of mind.

    Why do I need Classic Car Insurance?

    Car insurance is a legal requirement by UK law, whatever the vehicle age, to have at least third-party cover while driving on UK roads. Making sure that you are fully covered in all risk areas is our highest priority for you. We package everything you require in one simple premium, so you can rest assured that we have assessed all areas there could be a potential claim, so you are covered in any unfortunate circumstances. As well as all the other benefits and cover you would want for your classic cars, such as agreed value and number plate cover.

    What does Classic Car Insurance cover?

    Our Classic Car Insurance covers many areas of risk such as damage to your car by either you or a third-party, damage to other vehicles and property, key loss, windscreen cover, plus many other areas of protection. We are also specialised in providing you with high-value classic car insurance, to keep your prized motors safe in case anything was to happen, regardless of who’s fault it was. You’ll be pleased to know that we provide lots of extra covers and benefits for classic car owners, such as agreed value and also number plate cover, as well as many other areas that we’ll be happy to discuss with you.

    Our expert insurance advisors will assess your needs and put together the best Classic Car Insurance package for you to ensure the most comprehensive protection that you require. We aim to source the best cover for you at the lowest price from our panel of insurers.

    How does Classic Car Insurance work?

    The Classic Car Insurance package is a selection of covers that you would require to protect your classic car and yourself against third-party claims, from the risks you face on UK roads on a daily basis.

    The way in which we work out the best Classic Car Insurance package for you, is we take the time to fully understand your requirements, along with an analysis of your driving, previous claims, the value of your vehicle and many other areas that our insurance experts are trained to provide you with the best cover.

    We go into detail to determine the level of risk that is probable on a daily basis, so we can then build the right bespoke insurance package that would protect your classic car in any of those unfortunate circumstances.

    What if I have had claims in the past?

    When a quote is put together for Classic Car Insurance, we asses your situation on an individual basis depending on a number of factors. If you have had claims in the past, we are still able to provide insurance for you, once we establish the whole picture of the risks involved for you as a driver.

    Setting in place risk preventative measures and procedures can dramatically reduce the chances of the claimed risk happening again, such as improved security systems and the latest monitoring systems like GPS tracking. These efforts can also help increase the number of insurers that we are able to approach to provide you with the most comprehensive and lowest priced Classic Car Insurance package in your current state of risk and previous claims.

    Is it a legal requirement to have Classic Car Insurance?

    If you are driving your vehicle on UK roads, regardless of the age, then it’s a legal requirement by UK law to have at least third-party insurance, to protect others in case of any accidents. It is recommended that you have comprehensive cover to give the 360 protection and peace of mind, however, this all depends on the premium that we are able to source from our panel of insurers based on your personal and previous driving information, along with the details of the classic car you wish to insure.

    Can you cover high-value classic cars?

    Yes, we are able to provide this cover as part of your Classic Car Insurance package. Insurers will be looking at the type of high-value classic cars you would like to insure, the value, where the vehicles are kept, any security measures you have in place such as alarm systems, and sensors to prevent any unfortunate circumstances. These are some of the factors that can fluctuate the premium to protect you against these kinds of claims.

    What are the dangers of getting the cheapest online quote?

    Statistically, most of the time that people are enticed into purchasing the cheapest online quote from one of the aggregator sites you see on TV, is that you are at high risk of being underinsured. This is because the systems just give you the price based on the information you have added without any expert insurance guidance. You may have unknowingly not ticked something, or put in the wrong information from what the system was asking of you, and of course, no one reads the small print, so there might be something there that can prevent you from getting a claim paid out when you need it most.

    The good thing with getting your Classic Car Insurance with The Bateman Group, especially if it’s for a high-value classic motor, is that we are here with you as your trusted insurance advisors every step of the way, who you can actually speak with and visit in person if you want to. You can rest assured that when you take out a classic car insurance policy with us, that we will ensure that everything is correct to give you the highest chance of getting a claim paid out if anything unfortunate was to happen to your prized motor.

    What factors impact the price of Classic Car Insurance?

    There are a number of factors that impact the premium you pay for your classic car insurance, such as age, gender, type of car, location, and occupation.

    If you are a younger driver then you would usually pay more than an experienced older driver that has been on UK roads for more than 5 years.

    Although insurance companies are not allowed to discriminate gender, males still statistically pay more than female drivers, mostly because they usually have more expensive, more powerful cars, and are usually on the roads for longer.

    We would also look at the value of the car and its engine size. The higher the value the classic car is, the higher you should expect your premium to be, as powerful cars are more at risk of getting into an accident and higher value cars are more at risk of being stolen.

    The location where your classic car is kept has a significant factor, as if your car is kept in a place where there is a higher crime rate then there is more chance of the car being stolen or broken into.

    Your occupation can have a significant effect on your premium because of the number of hours you are on the roads, and also if you carry high-value items which could increase the risk of your vehicle being broken into and the items stolen.

    Do you provide Classic Car Insurance in monthly instalments?

    We are able to provide most types of Classic Car Insurance packages in monthly instalments. Please don’t hesitate to get in touch with one of our insurance experts who will be able to advise on the best solution to ensure the full protection of your prized motors. Please start an online quote at the top of the page or call us on 01926 495 113.