Classic Car Insurance

Specialist cover for your classic and vintage vehicle including, classic cars, classic motorcycles, kit cars, military vehicles, tractors - and more.

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

0333 207 6094
0333 207 6094 Weekdays 7am - 9pm, Saturday 9am – 1pm
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Classic car insurance features

  • Low excess starting at £50

  • Discounts available for limited mileage

  • Discounts available for recognised car club members

  • Agreed Value option available

  • Breakdown cover available

  • Salvage retention options available

  • Cover for spare parts available

  • Over 30 years experience in the Cherished vehicle insurance market


Classic car insurance exclusions

  • We will not cover loss of your vehicle, accessories or spare parts if the car is unoccupied and the ignition key or card is in or on your vehicle

  • The specialist vehicle policy is a limited mileage policy with varying options. Cover will be prejudiced if you exceed the annual mileage limitation you have requested. 

  • Your policy may be subject to a garaging requirement between 10.00pm and 6.00am. Your policy schedule will confirm if this clause applies

These are just some of the key exclusions/limitations, full details can be found in our policy wordings.


Classic car FAQs

What is a Classic Car / Classic Vehicle?

Any Vehicle manufactured at least 20 years ago and some manufactured between 10 and 20 years ago may be acceptable dependent on circumstances and mileage. Other vehicles including kit cars, commercial vehicles, military vehicles, tractors and replicas may be acceptable. If you are unable to find your vehicle on the Footman James website listing please call us on 0333 207 6094

Do Cherished / Classic Vehicle Club Members get special rates?

Yes, if you are a member of a recognised owners club, you may qualify for a discount

How is the vehicle's value determined?

Under normal circumstances the value will be based upon the "fair market" value of the vehicle at the time of the incident and up to the value shown on your policy schedule. You have the option to agree the value of the vehicle upfront subject to acceptance by underwriters.

What is a Thatcham security device?

The Thatcham Motor Insurance Repair Research Centre evaluates the effectiveness of car security products. Most insurers acknowledge the benefits of these devices.

Can I insure more than one classic vehicle on a policy?

Multi vehicle options are available however should you require a quotation for more than one vehicle please call 0333 207 6094

What mileage limits do you offer?

Footman James offers a range of mileage options from 2000 to 10,000.

What happens if I exceed my mileage limit?

If at the time of a claim it is established that the mileage limit has been exceeded the claim may be declined. It is possible to increase your mileage limit providing it is prior to a claim occurring and that the required additional premium has been paid.

Does my policy earn a no claims discount?

No, Classic car insurance differs from every day car insurance, in that you do not earn a no claims discount. We will however issue evidence of claim free driving if required.

Is immediate cover available?

Yes, immediate cover is available both via the phone and the Internet. If you need an urgent cover note for taxation purposes please call us for assistance.

Does my policy allow me to drive abroad?

We will automatically provide cover for any country which is a member of the European Union, including Norway & Switzerland (including Liechtenstein). There is no limit on the number of trips you can make in any period of insurance, but each trip must be no more than 35 days.

Does my policy allow me to drive anybody else's car or vehicle?

Cover to drive or ride another classic vehicle can be purchased. The vehicle must be over 20 years of age, not owned by you or not hired to you under a hire purchase agreement. Should you require this cover please select the appropriate option on our website or discuss with one of our operators.

Does my classic vehicle policy allow any person to drive?

No, all drivers/riders must be named on the policy

Can I spread my payments and pay by monthly instalments?

Yes, we do offer the option to spread the payment of your policy over 3 months


Classic car insurance claims promise

How Do I Make A 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.

What Should I Do If I Have An Accident?

You should obtain the name and address of any people involved, including passengers. And ensure you report any claim, accident, theft or loss as soon as possible. You should also send any writ, summons or letters received in connection with any claim, accident or loss as soon as you receive them. And also provide notification if you receive any notice of prosecution, inquest or fatal accident inquiry connected to the incident as soon as possible. Please also ensure you report any theft or your vehicle being taken without your consent immediately to the police and obtain a crime reference number.


Classic car insurance policy documents

Policy Summary [pdf, 373 KB] Policy Wording [pdf, 5578 KB]
0333 207 6094
0333 207 6094 Weekdays 7am - 9pm, Saturday 9am – 1pm
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