Classic Car Insurance | Specialist Quotes & Cover | Lancaster

when is a car classified as a classic car?

For us, defining a classic car is the million dollar question, since it is almost impossible to define a “classic”.

It’s as much about how a vehicle is treasured and loved as it is about the age of the vehicle itself.

Reading: How much is classic car insurance

while hmrc may define a car as a classic for bike purposes when it turns 15, in practice many younger cars (mgtf, mx5 etc) can be insured as a classic car if used in the real classical sense

what is the difference between classic car insurance and normal insurance?

Classic car insurance is generally cheaper because the mileage is lower than a standard car and because its owners are more likely to take good care of the car.

We also offer a limited mileage discount as well as other benefits such as a two-year agreed valuation and club membership discounts for our classic car enthusiasts.

what is meant by “agreed valuation”?

In the event of a total loss claim, the amount to be paid will be that agreed in the current appraisal certificate less the excess of the policy.

At lancaster, our expert appraisal officer will review each submitted appraisal form to ensure the vehicle has been appraised correctly and is in line with the current market.

We now offer a two-year agreed valuation, which means completing the valuation process is only required every 2 years.

Of course, you can fill in every year if you think your assessment has changed.

why should i buy a classic car?

Buying a classic car is much more than just an investment opportunity, and often marks the beginning of a great adventure.

buying a classic car can generate a lot of excitement and enthusiasm, whether it’s because of the unique aroma or that classic interior, the distinctive smell of castrol oil, the admiring gaze of passers-by, or just the joy of ‘real’ driving – there are countless reasons to buy a classic car.

If you’re wondering what makes a classic car valuable, read our recent article.

what are the most popular classic cars?

Checking out some of the top ten lists is a good place to start if you want to get some ideas on which classic car to buy.

We’ve put together a list of the top 10 classic cars we insure. what vehicles would be on your list?

top 10 lancaster classic cars we insured

  1. mgb
  2. mazda mx5
  3. landrover 88 / 90
  4. mg midget
  5. mg tf
  6. volkswagen golf
  7. austin mini
  8. land rover discovery
  9. ford escort
  10. minor morris
  11. For more top ten lists, check out our recent blog.

    what age/how old does a car qualify for antique/classic car insurance?

    A classic car is typically over 20 years old, however, insurers use different metrics to determine if your car is a classic car or not.

    While no one will disagree that a 1969 Rover P6 is a classic car, the untrained eye might not agree that a 1992 Rover 820i meets the criteria.

    Thanks to our knowledge of the sector, we are able to correctly identify cars like the rover 820i as the classics that they are and give them the insurance coverage they deserve.

    Do classic cars need an engine?

    The vast majority of classic cars still need a motor certificate.

    however (as of May 2018), if your vehicle is over 40 years old, it is no longer required to undergo a motor test.

    At what age are cars exempt from tax?

    Currently, any vehicle that was manufactured more than 40 years ago (and before January 1 of that year) is considered exempt from paying the ved (road tax).

    do classic cars pay ulez?

    if your vehicle has been issued a historic vehicle tax class (check with your insurer for this information), then it will be exempt from ulez.

    This does not include commercial vehicles, typically used as food trucks, etc.

    Is it cheap to insure a classic car?

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    Usually the cheapest auto insurance comes about when there is a lower level of risk involved.

    As classic car enthusiasts, we tend to keep our classics for sunny drives through stunning scenery or to attend club events rather than sit in traffic and watch the temperature gauge rise on the daily commute. to the office.

    As such, limiting your classic to leisure use rather than daily commuting will likely make your insurance cheaper.

    how many miles can you do with classic car insurance?

    Classic car insurance typically caps at between 5,000 and 10,000 miles per year, and the fewer miles you do, the lower the risk associated with getting insurance and potentially lower the price of insurance. policy.

    This does not mean that we are against you taking out your classic and stretching your legs, far from it! We can tailor your policy to meet your mileage needs, whether you only attend local shows a few times a year or explore the nc500 on a regular basis.

    How do I insure a classic car as a daily driver?

    lancaster has you covered on this! With most of our specialist club schemes offering unlimited mileage for historic and modern classic cars, you won’t have to worry if you use your car more like a daily driver.

    We have the schemes and relationships with our insurers to meet your specific needs, leaving you with the fun part of driving!

    what is ‘agreed value’?

    In basic terms, to insure your classic car, the agreed value is the amount that insurers agree to pay in the event of a loss.

    This is based on an assessment of the vehicle’s market value by specialist appraisers who understand that what to some might simply be an old car is actually an incredibly rare Series 1 Austin Allegro Estate or Hillman Avenger.

    If you find yourself in the unfortunate event that your classic car is written off, the value agreed upon when you purchase your auto insurance will determine how much money you will be paid.

    If you’re worried about what might happen in such an event, your agreed value is there to cover you if the worst happens.

    why choose us?

    in few words, our passion for classic and special cars. We understand that classic cars aren’t simply means of transportation, they inspire a reaction within us, whether it’s marveling at the expertly crafted bodywork on a hand-built Rolls-Royce, the thrill of driving an Alfa Romeo Spider down a back road. or hear the thunderous roar of a tvr as it passes by.

    These cars aren’t just cars, they’re part of your family, and so they need to be protected with the right insurance, from a company that understands the love that goes into owning and maintaining them.

    car insurance you can trust

    Here at lancaster insurance, we want to make sure our clients can pick up the phone or contact us and trust the insurance specialists they are talking to.

    Your classic car is important to you, and that makes it important for our team to provide you with the best coverage and insurance for your beloved vehicle.

    We don’t want our customers to be in a situation where they can’t reach us to discuss their claims either.

    That’s why we have a 24-hour dedicated claims helpline for all lancaster insurance customers.

    If you want to see what our customers have to say about us, take a look at our 5-star reviews on trustpilot.

    car insurance tailored to your needs

    We want to make sure our customers have a great selection of benefits that suit them in a variety of different circumstances.

    lancaster insurance offers worthwhile benefits like car club member discounts and free eu coverage for up to 90 days.

    We insure your vintage/classic car with our highly rated auto insurance, regardless of whether your classic car is often difficult to cover with the right benefits.

    complete our online form and speak to one of our dedicated specialists about your new or existing quote.

    old car insurance

    Join over 85,000 classic car owners using lancaster insurance.

    still not sure? Not only do we offer a wide range of benefits, discounts, and a 24-hour claims support line, but our insurance policies provide value to our customers.

    See also: How do i become an independent insurance agent in texas

    With our agreed value service, we ask you to submit photos and a form.

    We then use our team of appraisal experts to agree on the value of the vehicle. Once its value has been agreed, we guarantee the value of the vehicle, in case of a total loss claim.

    Most other insurance providers do not provide this service to their clients, another reason why we are proud of the insurance coverage we currently offer

    Our clients trust our insurance premiums for our classic cars

    lancaster car insurance policy

    While we insure classic cars/vintage vehicles, we’re also classic car enthusiasts! We’re always trying to find ways to support the classic car community through sponsorships, events, giveaways, and sharing classic car care tips.

    insure your classic car with lancaster – hard to insure cars

    Sometimes, due to a number of reasons, you may have found that your classic car has been difficult to insure with the proper benefits.

    Here at lancaster insurance, we know it can be difficult to find old car insurance that’s right for you.

    We’ll discuss the best options for your vehicle with our panel of expert underwriters and see if we can offer you an auto insurance policy that suits your needs.

    Alternatively, you can fill out our online form and we’ll call you back.

    our car insurance guides

    From classic car care tips, event news, classic car guides, classic vehicle articles, owner highlights, and auto insurance guides, we have a news page dedicated to keeping our customers and users happy. of the website updated with our most recent company. helpful updates and tips regarding classic cars.

    Check out our latest news to better understand and see what our classic car enthusiasts have been talking about!

    classic car cover

    Auto insurance policyholders know that comprehensive classic car coverage is essential for their beloved vehicle.

    The older a car gets and the more mileage it gets each year, the more you need for an car insurance policy you can trust.

    Alternatively, you may have other vehicles, motorhomes, motorhomes and 4x4s that you would like to insure as well.

    Fortunately, we have a variety of insurance services available to cover you and your beloved vehicle.

    car insurance quotes: what to expect

    We like to keep our auto insurance quotes competitively priced so our customers can make the policy we offer affordable as a benchmark for our standard auto insurance.

    If our competitive prices and list of benefits aren’t enough to get you interested, take a look at everything we have to offer too:

    • modified car insurance
    • multi-vehicle insurance
    • wedding car insurance available
    • limited mileage insurance
    • saved coverage available
    • agreed valuation of two years
    • Salvage retention coverage available.
    • static car show coverage available
    • If you are thinking of taking out a car/old car insurance policy with us, call our team of specialists on 01480 484826.

      or you can click here and we’ll call you back.

      insure your classic vehicle – 5 star rated insurance

      We have an excellent rating on trustpilot which we are very proud of.

      We’ve been arranging car insurance for classic cars for over 35 years and we’re pleased to see that we continue to deliver on our goal of offering quality auto insurance at competitive prices to all of our customers.

      lancaster standard auto insurance

      auto insurance is essential for anyone who owns a car, so getting the right coverage for your needs is extremely important.

      If you like the classics when it comes to your taste in cars and want to make sure you’re getting the right kind of coverage, rest assured knowing that more than 885,000 people have made the decision to purchase some form of auto insurance/ vehicle insurance with us!

      insurance for your classic car can often be cheaper than standard car insurance due to lower mileage and the general condition of the car, fill out our online form to find out how much your next classic car policy could cost.

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