Classic Car Insurance

Specialist cover for classic and vintage vehicles.

  • Tailor your policy to suit your needs
  • Hassle free agreed value!
  • Specialist rates for club members

Get your classic car quote online and get set up straight away:

Get a quote

Talk us through the minor details, for a tailored quote or just ask us a question:

0333 207 6094
0333 207 6094

We’re here for you Weekdays 7am - 9pm, Saturday 9am – 1pm

Our cover is provided through Footman James who are classic car specialists, here's how we can help:

Rely on our expertise

Classic Vehicle insurance specialists for over 30 years. Footman James was acquired by Towergate in December 2013 as a leading specialist in classic motor insurance. Footman James understands the cherished vehicle movement and has developed a wide range of products for owners, collectors and professionals alike.

Agreed value

Agreed value is a key feature for classic car owners to consider. Rather than insuring your car at market value, you are able to take into consideration it's classic car status and agree a value with us before you insure. If you then suffer a total loss claim, you will receive the full value agreed. Just remember, your policy excess will be deducted from the total.

Retrieve and store your documents online

We're ever improving our service for our customers and online customers are now able to retrieve and store their policy documents online. Simply login to our new document portal and find all your documents in one place.

Specialist rates for car club members

We give specialist rates if you are a member of a Footman James approved car club. These can be applied both online and over the phone. You can also get discount if you limit the mileage on your policy. Mileage options available are between 1,000 and 10,000 miles.

FJ+ additional key features are shown in the table below, for full exclusions please check the policy wording.
What does it do? Pricing (£)
Breakdown Breakdown cover options for Europe and the UK From £45
Legal protection £100,000 cover for pursuing uninsured losses £20
Spare parts £250 for classic car spare parts and fitted accessories Included
Salvage retention Retain the salvage in the event of a total loss by deducting the cost of the salvage from the settlement (subject to the category of salvage applied to the vehicle) Included
Nil deduction salvage retention Retain the salvage in the event of a total loss (Deduction free upon settlement of the claim, subject to the category of salvage applied to the vehicle) £15
Agreed value Agree the value of your classic car to ensure you get back what it's truely worth £10

These are just some of the key features and exclusions, full details will be found in your policy wording.Show policy documents

It’s the moment of truth – you need to make a claim:

What should I do if I have an accident? Firstly ensure you obtain the name and address of any people involved, including passenger names. Make sure you report any claim, accident, theft or loss as soon as possible to the claims team at Footman James. Please also send any writ, summons or letters received in connection with any claim, accident or loss as soon as you receive them to help us keep your claim moving.

If you receive any notice of prosecution, inquest or fatal accident inquiry connected to the incident get in touch with the claims team as soon as possible. Lastly, we advise you to you report the vehicle's theft or use without your consent immediately to the police and obtain a crime reference number.

How to Claim

If you or your vehicle are involved in an incident (such as an accident, theft or fire) covered by your policy please call the telephone help line number shown in your documents.

0333 207 6190

You can call the team 24 hours a day to report a claim.

Articles and guides

We love to learn about the things we insure, check out some of our articles and guides here:

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Wet weather driving

Driving in the rain and wet weather requires specific driving techniques and safety precautions. Our article offers tips and advice on wet weather driving for new and experienced...

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A Guide to Car Classification

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A Guide to Car Classification

Understanding vehicle classification is important for many reasons and knowing what classification of car you drive will help with everything from driving with the correct license to hiring a vehicle. It’s not complicated and this article will quickly steer you through the basics.

Inflation Calculator

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Inflation Calculator

Do you understand the impact inflation can have on your retirement? Learn what inflation means and how it could affect your financial future.

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How to Avoid Tiredness Whilst Driving

Stay alert whilst driving and avoid driver’s fatigue by following these few simple steps. Driving late at night can not only be stressful but very tiring, so drive responsibly and stay safe whilst on the road.

Classic car insurance FAQs

How old does a vehicle have to be to qualify for classic insurance?

Normally 20 years, however this can reduce for certain marques or subject to certain club membership.

What does 'agreed value' mean?

This is the figure negotiated at the start of the insurance that your insurers will pay following theft or total loss of your vehicle. It is only available for vehicles qualifying for classic insurance.

What does 'market value' mean?

Market value is the amount you would reasonably expect to receive if you sell your vehicle.

What should I do if I have an accident in my car?

You should...
-Obtain the name and address of any persons involved in the accident and any witnesses. This should include details of any passengers in any other vehicle involved.
-Report any claim, accident, theft or loss as soon as possible by contacting the telephone helplines shown in your insurance documents. The sooner we know about an incident the sooner we can start helping you.
-Send any writ, summons or letters received in connection with any claim, accident or loss to us as soon as you receive them.
-Tell us at once if you receive any notice of prosecution, inquest or fatal accident inquiry connected to the incident.
-Report any theft, or your vehicle being taken without your consent immediately to the police and obtain a crime reference number
You must never....
-Admit that the accident was your fault
-Attempt to negotiate the settlement of a claim from another person.
We will......
-Defend or settle any claim made against you on your behalf

Request a callback

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