What is classic car insurance?
Not every car is destined to become a classic - it needs to have a little bit of magic about it to make that leap. That’s why we’ve teamed up with classic car insurance specialists Hagerty UK to offer expert cover for your classic collectable.
Benefits of classic car insurance
Agreed value protection 
Give us acceptable valuation certificates or photos of your car within 30 days of policy’s start date and we’ll cover that value, even if it’s far more than you paid for it. If you have not provided this information, your vehicle will be insured for its market value.
Laid-up cover 
Protection against fire, damage, and theft when your car is off the road.
European touring protection 
Cover for up to 90 days of European travel, including both breakdown and recovery.
What’s the difference between classic and standard car insurance?
There are two main differences – how old the car is and how often you drive it. Please find the requirements for the classic car below.
As the driver you must:
- be a UK resident aged 21 years or over
- hold a full licence and have a good driving record
- drive less than 5,000 miles a year
Your car must:
- be worth at least £1,000
- be over 15 years old
Your car must not:
- have a Gross Vehicle Weight greater than 3.5 tonnes or be used on the water
- have more than nine seats
- be used for more than 5,000 miles each year
- be a home-built kit car
- be newer than 15 years old
Classic car age bands
Classic cars are divided into four age bands — veteran, vintage, classic, and modern classic. The exact boundaries between them might vary between providers, but Hagerty’s cover defines them as:
- Veteran – built before 1910
- Vintage – built between 1911 and 1950
- Classic – built between 1951 and 1979
- Modern classic – built between 1980 and 2010
What does classic car insurance cover?
Make sure you’re comfortable with what is, and what's not covered:
What’s covered?
- Comprehensive cover
You’re covered if your car’s damaged in an accident, theft or fire - Laid-up cover
If your car’s registered off-road, you’re covered for fire, theft or damage - European touring cover
Cover for up to 90 days of European travel - including breakdown and recovery - Breakdown and recovery
Breakdown and recovery services in the UK and Europe – although not including breaking down at home - Personal belongings
Up to £500 for your bits and bobs - Personal number plate
Up to £5,000 cover if your personal plate is stolen - Personal accident cover
£10,000 of personal accident cover for death, or loss of limbs or eyes – for you or a named insured person.
What’s not covered
- Racing and rallies
If you’re taking part in or preparing for racing, rallies, trials or speed-testing in an organised or pre-arranged event, you’re not covered for loss or damage. - Electrical problems
You’re not covered for things like damage or malfunctioning of electronic systems - Tyre damage
Caused by braking, punctures, cuts or bursts
Important documents
It's important to read through the Hagerty and Aviva wording policy (PDF 636 KB) and Aviva motor Insurance Product Information Document (PDF 173 KB) before you get a quote and again once you're covered. You can also read more about Hagerty's terms of business (PDF 143 KB).
Get in touch
Get a quote online
Get a quote from the Hagerty website.
Make a claim
If you need to make a claim, give Hagerty a call as soon as it’s safe. Lines are open 24 hours a day, 7 days a week on. Select ‘option three’ to make a claim, or 'option one' if you've broken down.
Calls to 03 numbers are charged at national call rates and are usually included in inclusive minute plans on both landlines and mobiles. Charges may vary depending on your provider but free from UK landlines and mobiles. To protect us all, calls may be recorded and monitored.
Looking for more cover?
Aviva car insurance
Get yourself a quote for Aviva car insurance – it only takes a few minutes.
Aviva multi car insurance
Insure two or more vehicles, registered at the same address, and save 10%. Discount doesn’t apply to optional extras. This discount only applies to Aviva Signature products purchased. You can insure up to five vehicles registered at the same address under one policy. Discount not available on top of any existing multi-product discount.
Aviva van insurance
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