Classic car insurance - How is it different from regular policies?

05 March, 2014

If you’re one of thousands in the UK who have a classic car, keeping it safe and sound is one of the main things you’ll consider right from the beginning. Whether you’ve restored it as a labour of love, are keeping it as an investment or simply love having a piece of automotive history, classic car insurance is essential in giving you peace of mind and protection of a valuable asset. There’s little worse than having a beautiful motor sustain damage without adequate insurance cover.

For some people, the differences between classic car insurance and regular policies may not be entirely clear, so we’re here to help you understand why you should always consider specialist policies instead of broad and potentially unsuitable protection from general insurers.


Passion and community

What’s the difference? It all comes down to passion. General insurers cover many types of vehicles, and are good in a ‘one size fits all’ capacity. For specialist insurers, classic cars are more than just wheels and a motor; they are objects of beauty with historical value and are the focal points for some really great communities.  For our part, we engage with clubs and communities as much as we can, and love nothing more than attending events with fellow enthusiasts.

A deeper knowledge

Being so well connected with clubs and communities of course means that the knowledge is there to provide a more tailored and specific service. Compared to traditional insurance, specialist insurers understand the vehicles, market and what is important to the enthusiast, collectors and trader of classic cars.

More complete protection         

Whilst classic cars have windows, wheels and motors like any other vehicle, that’s where the similarities end. There’s a whole lot more to classic vehicles that needs a specialist approach. For instance, you might be a collector who has more than one car, or you might regularly drive your pride and joy to events or enthusiast clubs. You may even not be driving your classic all that much and instead prefer to keep it safe and sound in a garage. There are just so many differences between how classic and modern cars are kept and cared for, so making sure you have the appropriate protection is key to ensuring sure you’re fully covered.

At Footman James, we provide specialist classic car insurance that sits on a foundation of genuine passion and love for all things classic. Check out some great events that are coming up, see which clubs we are friends with or get in touch with our team if you want to learn more about our policies and services.