Classic Car Insurance

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

Agreed value means if your vehicle is lost or totally destroyed, and the value of your vehicle has been agreed, you have the certainty that you will be paid out the amount shown on your policy schedule.

You should be aware that the maximum amount payable by insurers will be the amount shown under ‘Value’ on the Vehicle Details section of your Renewal Schedule, regardless of the market value at the time of the loss.

Market value means if your vehicle is lost or totally destroyed, you will be paid out the value of the vehicle at the time of the claim in line with current market trends.

This could be more or less than the amount shown under ‘Value’ as shown on the Vehicle Details section of your Renewal Schedule.

• 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