Classic Car Insurance
Get a quote in less than 3 minutes
At Lancaster Insurance, we have been proudly arranging classic car insurance for over 35 years.
Specialising in arranging cover for your cherished vehicle, our tailored and comprehensive policies are designed to protect your investment.
Lancaster Insurance has access to some of the most competitive classic car, vintage car and classic vehicle insurance schemes in the UK.
We work with carefully selected underwriters to enable us to offer both comprehensive and bespoke insurance solutions, with our customers in mind.
Using our wealth of experience and knowledge of the industry, we are able to quote for virtually every classic car available.
To speak to a member of our specialist classic car customer service team call 01480 484826 or click here and we’ll call you back at a time that’s best for you.
Why Choose Lancaster Classic Car Insurance?
- Classic Car That’s Hard to Insure?
- Classic Car MoT Exemptions
- Classic Car Insurance Quote
- Classic Car Insurance Discounts and Benefits:
- Car Club member discounts up to 25%
- Static Show Cover
- Historic Rally Cover
- Choice of repairer
- Salvage Retention
- Free EU cover up to 90 days
- Two Year Agreed Valuation available for £18
- Laid Up Cover Available
- 24 Hour Claims Helpline
- UK Based Call Centre
- Limit Mileage Discounts
Lancaster is the insurance broker of choice for classic car owners providing cover for over 88,000 classic cars (as of May 2019).
We arrange classic car insurance for over 40% of all MG Bs on the road and over 30% of all Land Rover 88s and MG Midgets – proving that classic car owners place their trust in us.
Our premiums for classic car insurance are competitively priced starting at £70.48* for private car insurance.
*Quotes are based on 45-year old male driving an MG B (1969) worth £5,000, as a second vehicle. It’s garaged, covers 3000 miles a year and lives in an SP2 postcode. He has no claims or convictions, is a club member, and is employed as a marketing manager.
At Lancaster Classic Car Insurance, we aim to find the best price for your individual cover needs.
We appreciate the importance of recognising the true value of your classic car and our team will be happy to talk to you through our benefits, such as agreed valuations and salvage retention.
We will offer you a tailored policy, bespoke to your requirements – this can include cover for:
Lancaster Insurance is committed to supporting the classic car clubs.
Owners club members may enjoy discounts of up to 25% off their insurance premium (the level of discount offered by each insurer differs and is subject to underwriting criteria).
Some of the classic car clubs we currently partner with include MG Owners Club, MX5 Owners Club, VW Golf MK1 Owners Club, VW T25 Club and many more.
If your club isn’t on our Classic Car Club page or wish to partner with Lancaster Insurance, call 01480 220065 or visit our Classic Car Club page for more details.
At Lancaster we understand that not every situation is the same, especially when it comes to Classic Cars.
That is why in addition to our Lancaster Classic Car insurance, we also can arrange the below:
- Modified Classic Car Insurance
- Multi-vehicle Insurance
- Wedding Car Insurance
- Limited Mileage Insurance
- Laid Up Cover
- Two Year Agreed Valuation
If you would like to know more details regarding the above offers, please call us on 01480 484826 or click here and we’ll call you back at a time that’s best for you.
Are you passionate about Classic Cars?
Here at Lancaster, we not only provide Classic Car Insurance but we’re constantly looking for ways to support the Classic Car community at events, sponsorship's, giveaways and sharing care tips for classic vehicles.
We’ve partnered with the team at Meguiar’s to showcase one of their awesome products each month.
This time we’re featuring the Meguiar’s Ultimate Snow Foam contains a specialized Xtreme Cling foaming action that delivers an intense foam that sticks and clings to painted surfaces gently loosening road grime, dirt and contaminants.
Fine-tuned to carefully and thoroughly clean coated, waxed or sealed finishes while preserving protection and leaving a brilliant, swirl-free shine.
We will listen to your requirements for cover, and discuss the best options with our panel of expert underwriters, to see if we can cover your cherished vehicle.
Call our specialist team on 01480 484826 or click here and we’ll call you back at a time that’s best for you and let Lancaster Insurance help you.
In May 2018 the Department for Transport announced that cars that were built more than 40 years ago exempt from MOT testing, with the option for owners to voluntarily have their car tested if they feel it needs checking.
When is a car classed as a classic car?
For us, defining a classic car is the million dollar question as it is almost impossible to define a ‘classic.’
It’s as much about the way a vehicle is treasured and loved as it about the age of the vehicle itself.
Whilst HMRC may define a car as a classic for BIK purposes when it reaches 15 years old, in practice, many younger cars (MGTF, MX5 etc) can be insured as a classic car if they are used in the true classic sense
What is the difference between classic car insurance and regular insurance?
Generally, classic car insurance is often cheaper due to the mileage being lower than that of a standard car and because the car is more likely to be well looked after by its owners.
We also offer a Limited Mileage Discount as well as other benefits such as a Two-Year Agreed Valuation and Club Member discounts for our classic car enthusiasts.
What is meant by an ‘agreed valuation’?
In the event of a total loss claim, the amount paid will be the sum agreed on the current valuation certificate less any policy excess.
At Lancaster, our expert Valuation Officer will review each of the valuation forms submitted to ensure that the vehicle has been valued correctly and is in line with the current market. We now offer a Two-Year Agreed Valuation meaning it’s only compulsory to complete the valuation process every 2 years.
You can of course, complete every year if you believe your valuation has changed. You can find out more on our Agreed Valuation page.
Why should you buy a classic car?
Buying a classic car is so much more than just an investment opportunity and often marks the start of a great adventure.
Purchasing a classic car can bring a great deal of excitement and enthusiasm - whether it’s the unique aroma or that classic interior, the distinct smell of Castrol oil, the look of admiration from passers-by, or simply the joy of ‘real’ driving – there are countless reasons to buy a classic car.
If you are wondering what makes a classic car valuable, have read of our recent article.
What are the most popular classic cars?
Checking out some of the top ten lists is a good place to start if you want some ideas for which classic car to buy.
We’ve pulled together a list of the top 10 classic cars we insure - which vehicles would make your list?
Lancaster Top 10 classic cars we insure
- MGB
- Mazda MX5
- Landrover 88 / 90
- MG Midget
- MG TF
- Volkswagen Golf
- Austin Mini
- LandRover Discovery
- Ford Escort
- Morris Minor
For more top ten lists, take a look at our recent blog.
