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Antique cars and owners

Updated on July 6, 2012

Antique Cars

Owners of antique cars are usually very proud of their possession but just like their everyday cars they will require insurance. It is not as difficult to find insurance for antique cars as this specialist service is now provided by many companies. The customer as a classic antique car owner is in a more fortunate position as there are now many specialist car insurance providers in the market place, as competition for them is greater the likelihood of finding a provider with the right policy for a good competitive price is better.

This area has not gone unnoticed by commercial auto vehicle insurers either and they now have special policies for collectors of antique cars that reflect these specialized areas of auto cover. Although the policies may seem the same as cover from your regular auto cover provider, they are not and the agent will require exact details of the car to be insured before a full quotation can be supplied. Your level of cover will depend on how much you can afford but it is possible to lower this by arranging for your deductible to be raised above the minimum set by the insurer.

These commercial insurers are able to give you a better peace of mind with them usually being long standing established providers and therefore safer. They are probably serving a large long standing, satisfied customer base, giving you more confidence in knowing your antique car is safer with them. Another useful benefit when using these larger commercial insurers is they can often provide cover for your cars in everyday use as well. The cost of a classic antique car insurance policy is often higher with this kind of company but many owners feel the extra cost is worth it as they feel much safer knowing the company is well known and has a long history.

Vauxhall Victor

Vauxhall Victor Front

It is possible to use specialist auto insurers and often the premium is lower because this is the only type of insurance they provide, this might mean that you will not be able to insure any other type of car with them. A number of independent insurance providers even specialize to the point where only a certain kind of classic car is insured.

If you are willing to use an independent antique car insurer then first check if they they are trusted, that serve a loyal customer source before deciding to give them any money. The biggest concern for people using the smaller more independent car insurer comes when you may need to claim for a pay out and receive a rejection or maybe find that the company is filing for bankruptcy.

Often you will find it a tiresome procedure trying to locate an antique car insurance provider but this is where you will need to be persistent because you will want to be sure your car fully protected by a car insurance policy. There are many classic car owners who think of them to be works of art which can never be replaceable or repeated, making them into an emotional investment as well as a considerable financial outlay on the owners part so good reliable antique car insurance must be essential.


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    • profile image

      catala 8 years ago

      gareth is the Victor yours and is the number plate really BOG 1 ?

      I used to have a mark 1 ford capri classic pillar-less coupe with a plate ALC 1 which was good considering my intake of beer

      classic cars were a laugh when you could pick them up for peanuts in exchange & mart and loot, but as with most things its hard to mess about with them now as bangers appear to not exist anymore only collectors cars moan moan moan

    • Gareth Pritchard profile image

      Gareth Pritchard 8 years ago from North Wales

      Hey catala,

      No the car is not mine I spotted it in Shrewsbury, Shropshire, England I changed the number-plate because I didn't have permission for the photograph and wanted to provide some confidentiality for the owner.

      Classic cars do run in the family though and I have bought a couple, a MK 2 Ford Cortina for £40 and a Ford Anglia for £30 my farther drove the E-type Anglia for five years until it needed too much work on it to keep it legal.

      I have been looking for a picture of a Ford Capri of your description, do you have any photos for making a picture out of I draw cars?

      I seen a Capri once in a custom show with six wheels four at the back I think and Rolls Royce Spitfire engine in it what a crazy car.

      My dads brother has a Leigh Frances, a Lanchester and a Cadillac, real older classic cars with running boards and that on the first two.

      Thanks for another inspiring comment, Gareth.

    • Vizey profile image

      Vizey 7 years ago

      Antique or heritage cars are even more expensive than normal cars because of their old age. One can buy an Antique car but it is very expensive to maintain it.

    • Gareth Pritchard profile image

      Gareth Pritchard 7 years ago from North Wales

      Hi Vizey,

      I agree completely but people who usually buy these kinds of cars are enthusiasts and are prepared for it.

      Thanks, Gareth.

    • Blackspaniel1 profile image

      Blackspaniel1 2 years ago

      Insuring them is important. In this state they can qualify for the antique license plate only can be issues for a specified small amount od driving.

    • profile image

      Jaylan 2 years ago

      Posts like this make the ineerntt such a treasure trove

    • profile image

      Dcc 2 years ago

      Hi there! JUst wanted to let you know I linekd this article to my site with links back to yours. What a wonderful wealth of information you have here! Many blessings, Bekki

    • Gareth Pritchard profile image

      Gareth Pritchard 2 years ago from North Wales

      Hi Bekki, thank you for taking the time, I am glad you found it useful.

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