Classic Car Insurance

Specialist insurance 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 insurance 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

Weekdays 7am - 9pm, Saturday 9am – 1pm

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Our vintage car insurance 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 car 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 classic car club. These can be applied both online and over the phone. You can also get discount if you limit the mileage on your cherished car insurance 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 truly worth £10

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

Classic Car Insurance Claims

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.

Classic Car Insurance Articles & Guides

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

Bealach na Ba classic drive

article

Top 10 UK Scenic Driving Routes

As part of Towergate’s Great British Summer guide, we’ve enlisted the help of our friends at Footman James to compile a list of the best driving routes in the UK. So classic...

View article
Inflation Calculator

infographic

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.

listed-property

article

Owning a listed property

Every so often a property comes on to the market with that certain something which sets it apart from the rest. It could be thatched, of historic interest, situated in a conservation area or perhaps even a combination. If so, the chances are it will be listed – most often Grade II, sometimes Grade II* or possibly even Grade I.

front door and tulpis inherited property

article

What Tax Do You Pay on Inherited Property?

This article will walk you through the basics of property inheritance, including Inheritance Tax, and how property tax works if you keep, sell, or rent out the inherited property.

Classic Car Insurance FAQs

How old does a car have to be in order to qualify for classic insurance?

A car usually has to be 20 years in order to qualify for classic car insurance. However, this can be reduced for certain marques or subject to certain club membership.

What does 'agreed value' mean in relation to my classic car?

Your car's agreed value is the figure negotiated at the start of your insurance process that your insurers agree to pay in the case of theft or total loss of your vehicle. It is only available for vehicles qualifying for classic insurance.

What does 'market value' mean in relation to my classic car?

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?
  • 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 should not admit that the accident was your fault
  • You should not attempt to negotiate the settlement of a claim from another person.
  • We will defend or settle any claim made against you on your behalf

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