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Our cover is provided through Footman James who are classic car specialists, here's how we can help:
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 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.
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.
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 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
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.
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.
You can call the team 24 hours a day to report a claim.
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Normally 20 years, however this can reduce for certain marques or subject to certain club membership.
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.
Market value is the amount you would reasonably expect to receive if you sell your vehicle.
-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.
-Defend or settle any claim made against you on your behalf