Classic cars fall into a number of categories and may be defined differently depending on the insurance company so it is a good idea to clarify with each classic car insurance company you deal with. Generally cars that are 15 years old or older fall into the classic car category. They must also be standard production models as well. A vintage car is usually defined as having been manufactured between 1904 and 1934.

Your Driving defines your Insurance rates
As with all cars your driving habits and the overall use of your car will define the kind of insurance you need and the overall cost of the insurance policy you purchase. Drivers that park their classic motor cars inside in a protected environment, have no claims, do not drive to work and only drive their classic cars for pleasure will usually enjoy the cheapest classic car insurance rates. If you drive your car in rallies or classic or vintage car shows you may want to consider special insurance for these events.

Value of your Car
The value of your classic car is defined by a number of things, which you need to take into account when purchasing classic car insurance UK. For example if your car has been repaired and is in pristine condition, it will generally be worth more than one that is not. The value of the car must be established before you take out insurance so that there is a clear record established for the car. Speak to an agent and discuss what they need to have to establish the overall value of the car. Most companies will want at least one appraisal of the car if not at least two to establish the proper value for insurance purposes. You should also establish how often you need to have your classic car reappraised.

Applications and online quotes
We have listed a number of companies that offer classic car insurance or classic motor insurance in the UK in our directory. Most of them will provide you with the ability to apply online and receive a quote online as well. However because of the need for an appraisal we suggest that you speak with one of their agents or review their web sits for instructions regarding purchasing classic car insurance and the need for a classic car insurance appraisal. This is the best way to avoid any surprises if you should unfortunately need to make a claim against your classic can insurance policy.