Are There Mileage Limitations with Classic Car Insurance Policies?

21 May 2025

Classic cars are more than simply a way to get around. They are a passion, hobby and even an investment. Because of this, classic car insurance policies are typically designed differently to standard insurance. Instead of the one-size fits all approach of standard car insurance, classic car insurance offers a more tailored approach to coverage — one of the most important factors being mileage.

So, are there mileage limitations with classic car insurance policies? In this article, we’ll explore how mileage limits affect your premium, the rules specific to Footman James policies and what happens if you exceed your specific mileage allowance.

What is a mileage limitation in car insurance?

A mileage limitation in car insurance is the maximum number of miles you are allowed to drive your car within the period you are insured. In standard car insurance policies, mileage caps play a role in how much your premium will be, as the more you drive, the more likely an accident can occur. Lower mileage found in classic cars can reduce your premiums significantly, as will safe and secure storage.

Are there mileage limitations with classic car insurance policies?

Unlike modern everyday vehicles that are used to commute or for long journeys, classic car mileage limits are typically lower than those in standard policies. This is because classic cars tend to be driven less frequently, often reserved for events, exhibitions or leisure drives.

By agreeing to a lower annual mileage, you might benefit from reduced premiums, as the reduced usage lowers the risk for insurers.

What is the mileage threshold for Footman James classic car insurance?

Footman James offers various classic car insurance policies, some of which may include specific mileage limitations. For example, our classic car insurance for teens and young adults requires limiting mileage to either 3,000 or 5,000 miles per year, depending on the vehicle's age.

However, mileage thresholds can vary depending on your specific policy and individual circumstances. For a more in-depth explanation of your classic car mileage limit, speak to our experts.

What if I exceed my mileage limit?

Depending on your classic car insurance rules, if you exceed your agreed-upon mileage limit, there may be consequences. These could include:

• Coverage issues — Exceeding your agreed mileage limit might affect the validity of your policy.
• Policy adjustments — Your insurer might adjust your premium if you exceed your mileage limit, or charge you for the exceeded miles.

If you have an agreed mileage limit included in your insurance, you must always monitor your miles. And if you are approaching your agreed mileage limit, be sure to contact your insurer to ask about how your policy will be affected.

What is a limited mileage policy?

A limited mileage policy is a type of car insurance designed for if you drive infrequently. By committing to a lower annual mileage cap, you can usually set yourself a lower premium. This reflects the reduced risk that comes with less frequent usage. This arrangement is particularly beneficial for classic car owners.

Does Footman James offer classic car insurance?

Understanding and adhering to mileage limitations in classic car insurance policies is one of the most important parts of maintaining appropriate coverage and managing your insurance costs properly. If you own a classic car, you should always review your policy terms carefully and communicate any changes with your insurer to make sure your coverage aligns with how you use your vehicle.

For a classic car insurance quote that is tailored around you and your car usage, get in touch with Footman James today.

Consistent with our policy when giving comment and advice on a non-specific basis, we cannot assume legal responsibility for the accuracy of any particular statement. In the case of specific problems we recommend that professional advice be sought.