Insurance for Classic Cars

Finding and applying for insurance for classic cars can be a complicated process because there can sometimes be lengthy applications and regulations. Classic cars, however, simply should not be without adequate insurance coverage.

The Classic Car Club of America applies the term classic to cars which were built between the years of 1925 and 1948, with other defining characteristics involved. Insurers do not have such specific definitions when deeming a car to be considered a classic. Instead, insurers generally accept that any car which is over fifteen years old and still in working order can be considered a classic car as long as the vehicle falls within certain categories. This does not necessarily mean that every car which is over fifteen years old is considered a classic, but cars which fall into this age range and continually appreciate in value are regarded as classics.

Insurers of classic cars do not only ask questions about the classic car to be insured, but also about other factors which can influence the vehicle's eligibility for an insurance policy.

• Who will drive the car? The driving history of all potential drivers in the household is questioned, with standards being much higher than with regular auto insurance.
• How is the vehicle used? In order to qualify as a classic car, most insurers insist that the car is not used in a general manner, that is, to drive to work every day or to pick the kids up from school on a regular basis.
• How is the vehicle stored? Owners must verify that the classic car is in a secure building, such as a locked garage, when the car is not in use.
• How much is the car worth? Some insurance companies will require appraisals for the vehicle prior to issuing an insurance policy. Additionally, some insurance companies will request photos of the vehicle to keep on file.

Insurance for classic cars is not necessarily difficult to obtain, but the process is much lengthier than it is to obtain insurance for a primary vehicle. Furthermore, some classic car insurers will require proof of acceptable maintenance and upkeep on classic cars during the life of the insurance policy.

Many auto insurance companies have the capability to provide insurance for classic cars, so checking with your current insurer is a viable option.

Most classic car owners, however, prefer to deal with a company which specializes solely in insuring classic cars, antique car insurance, and collector cars. A quick Internet search will yield several reputable companies that provide insurance for classic cars. You can also check:

• Classic Car Insurance Directory This website lists several classic car insurance companies for potential applicants to choose from.
• Heacock Classic Collector Car Insurance This company specializes in insurance for classic cars in addition to other types of special vehicles. They claim to employ representatives who are just as passionate about classic cars as the owners are. They also provide discounts to classic car owners who have a large collection.
• AA Classic Car Insurance This company provides UK car insurance, and the insurance policy is effective while driving within the European Union. This company has stringent mileage policies and other strict regulations.

The cost of insurance for classic cars varies depending upon the vehicle and the extent of the policy coverage. Potential applicants should certainly take the time to do some comparison shopping before deciding on a policy because not every insurance company offers the same rate.

Discounts on classic car insurance are sometimes provided for low annual mileage, multiple cars on a policy, and membership in a classic car club. Classic car owners should ask about any potential discounts when paying for the insurance policy.

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