Sml Shield

Trusted by over 400,000 with their insurance needs

Sml Star

Our service is rated ‘Excellent’ on Feefo

Sml Agent (1)

Over 2000 insurance specialists ready to support you

Steam Engine Insurance

From Model Road Steam to Portable and Restoration steam. Steam car to steam traction. Our steam engine insurance from Walker Midgley can protect the things you love so you can enjoy your downtime and “let off steam”.

  • Cover options include cover for your engine, living van and implements, your tools, machinery and equipment and home workshop
  • Road Traffic Accident cover and public liability cover available.
  • UK-based support
Walker Midgley Roundel
Steam Engine
If you need additional assistance arranging your insurance, find out how our teams can support

One of the UK's leading independent insurance brokers

Trusted brand icon

Overall service rating 4.6 / 5

Based on 4300 customer reviews

Feefo Logo

Why choose steam engine insurance with Walker Midgley?


Cover for a wide range of steam engine variations

With 16 policies available you can tailor your cover to suit your needs.


Public and product liability cover

Cover against accidental death, disease, illness or accidental physical injury your passengers and visitors.


Loss or damage cover for steam engines

Cover for personally owned steam engines if damaged or stolen anywhere in the UK or Europe including while in transit.

Direct Debit

Pay for your steam engine insurance by Direct Debit

Choose to spread your payment into 10 monthly Direct Debit instalments.

About steam engine insurance

Our steam engine insurance covers a range of steam insurance products including model road steam, steam traction, van, lorry and low loaders.


Steam engine insurance 

Selectable cover for steam engines can include public liability. Loss or damage to engines such as accidental damage, fire and theft, home workshop and tools and equipment cover.


Model road steam engine insurance

Cover for miniature steam road vehicles up to and including 6 inch scale.


Motor roller insurance

Motor roller insurance for motor rollers 25 years old or more. Cover includes public and product liability, loss or damage cover if stolen or taken without your permission anywhere in the UK or Europe.


Portable and restoration steam engine insurance

Cover for portable engines and road-going engines under restoration.


Stationary steam engine insurance

Cover for stationary steam engines and ancillary equipment.


Steam engine insurance for road vehicles

We can cover a variety of steam road vehicles including steam cars, full size traction engines, miniature steam road vehicles up to and including 6 inch scale, and laid up steam road vehicle undergoing renovation or restoration.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 0114 250 2770 and explain exactly what happened
  • Provide photos if requested to help us understand what happened as quickly as we can.
Smiling women sitting on a rug on a parquet floor leaning on a sofa looking at her mobile

Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Request a Quote

Steam engine insurance FAQs

  • Model road steam – for steam road vehicles up to 6in scale
  • Portable and restoration steam – for portable engines and road-going engines under restoration
  • Steam car – for steam powered cars
  • Steam traction – for full size steam road vehicles
  • Van lorry and low loader – for commercial vehicles used for social domestic and pleasure purposes only which includes the transportation of models, steam road vehicles, portable engines, vintage tractors and the like.

Please be aware that there are a number of exclusions from this policy, including:

  • Any damage caused by wear and tear is not covered.
  • Any damaged to any equipment caused by a date change or computer virus.
  • Gradual operating cause or any process of cleaning, repair, restoration and re-siting other than costs involved following insured damaged.
  • Any costs that are not directly associated with any insured incident.
  • Any damage to your own property that you have deliberately caused or allowed to happen.
  • Any damaged that occurred before the commencement of cover.
  • We have provided a summary of the key features of the policy, above. For full details of the terms and conditions applicable, please refer to your insurance product information document and policy wording, which are available during the quotation process.

Cover is not provided for:

  • Any physical property you own that is not recorded on your policy schedule.
  • Legal liability arising from you performing any employment, trade, profession or business activities.
  • Excesses – this is part of the claim you have to pay.

If you would prefer to spread the cost of your steam engine insurance policy, you have the option of setting up a Direct Debit to pay your premium by monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.

Steam engine insurance articles

Does Home Cover Include Model Railway Insurance?

It is important that your locomotives, rolling stock, aircraft, boats and other model collections, as well as your home workshop, are adequately insured

Read more

Vintage Tractor Safety Checks

If you are planning to start using your vintage tractor, see our handy checklist to help keep you safe and ensure accidents and injuries are kept to a minimum.

Read more