Classic Car Insurance
Classic car insurance for vintage cars, classic cars and modern classics.
Classic Car Insurance
Peter James Insurance are specialists in classic car insurance. We can arrange cover for an extensive range of classic car marques and models, from veteran cars, vintage cars, and post-War cars to thoroughbred sports cars, modified classic cars and modern classics.
We offer individuals and collectors classic car insurance with a range of policy benefits to give you peace of mind, whether you are a classic car enthusiast with a single cherished vehicle or own an extensive car collection.
We don’t operate a call centre, we are just fellow classic car enthusiasts at the end of the phone offering excellent service and we will always take the time to discuss your requirements. Speak to a member of our friendly expert team today.
Classic Car Insurance Policy Benefits
All of our policies come with a range of benefits included as standard:*
- Exclusive rates for club members
- UK and European breakdown cover
- Limited mileage discounts
- Free agreed value
- Quick and EASY online renewal
- Salvage retention
- Legal expenses cover
- Cover for events
- Laid up cover
- Multi-vehicle options available
That’s not all. If you’re a member of one of our partner clubs, you can access benefits exclusive to the club scheme.
Why Choose Peter James Insurance
We’ve been at the heart of the classic car community for decades! In that time, we’ve built up a wealth of experience and knowledge on classic vehicle insurance. We’re based in the UK with our friendly team located in Birmingham.
We love what we do and you’ll often see us out and about at classic car shows throughout the year, as well as supporting classic car clubs. Our friendly and expert team will always take the time to discuss your requirements, so that your pride and joy has the cover it needs.
Classic Car Insurance you can trust
If you want to see what our customers have to say about us, take a look at our 5 star reviews on the independent platform Trustpilot.
Classic Car Clubs
We know that classic car clubs are at the heart of the classic vehicle community, and that’s why we offer discounts through exclusive rates on your insurance if you’re a member of a classic vehicle club.
We partner with various vehicle clubs to offer their members a scheme with benefits they truly need and value. Take a look at our club partners.
What types of classic cars do Peter James insure?
As a specialist insurance broker, we offer cover for enthusiast owners of many types of classic cars.
Veteran Car Insurance (pre-1918)
We can arrange cover for the vehicles that started it all! We define a veteran car as a vehicle built prior to the end of the first World War, and can include models such as:
- Ford Model A
- Peugeot Type 3
Vintage Car Insurance (1918 – 1949)
This era of car production saw vehicle ownership increase and a move to mass production of vehicles, along with the launch of some of today’s most well-known car brands. Some examples of vintage cars are:
- Austin Seven
- Land Rover (Series 1)
- MG 14/28
Classic Car Insurance (1950 onwards)
This category covers the majority of classics and includes some of the most popular classic cars to own. The DVLA’s definition of a classic represents this group (and older) with vehicles that are over 40 years old being considered classic and ‘exempt’ from road tax.
Popular models we insure include:
- Morris Minor
- MG B
- Ford Escort
- Austin Healey
Modern Classic Insurance (1980 onwards)
Possibly the hardest category to define, but a modern classic is typically a vehicle produced between 1980 and 2000, however more modern marques where production has ceased (such as Morgan) could be considered a classic. Here’s a few examples of what we consider to be modern classics:
- Jaguar XJS
- Escort Cosworth
- TVR Chimaera
FAQs
What age do cars become a ‘classic car’?
The DVLA consider any vehicle that was produced over 40 years as a classic and as such ‘exempt’ from road tax. Our classic car policies are designed for enthusiast use i.e. your vehicle is not used as an ‘everyday’ car.
What is agreed value?
In the event there is a total loss claim, agreed value is the amount that will be paid (after a policy excess). At Peter James Insurance, we offer free agreed value with all policies as standard.
What is the difference between insurance for my classic car and my modern car?
Typically, classic cars are driven less than modern cars e.g. for enjoyment rather than for commuting purposes. With lower mileage, a classic car policy is often cheaper than a standard car insurance policy.
All Classic Car Products
Classic Bike
Comprehensive cover for vintage motorcycles, classic bikes and more.
Classics + Multi Vehicle
Cover all the vehicles you and your partner own with one single policy; moderns and vans included.
4×4
Specialist cover for classic or vintage 4x4s be it on-road, off-road or under restoration.
