SPECIALIST TAILORED INSURANCE
Classic Car Insurance
Get classic car insurance you can trust. Enjoy tailored cover, expert advice, and competitive rates from one of the UK’s leading classic car brokers.
Classic Car Insurance Brokers
If you’re passionate about classic cars, you understand their timeless appeal and the care they deserve. At Nowell & Richards, we specialize in classic car insurance that reflects both the unique value of your vehicle and your lifestyle.
As one of the UK’s leading providers, we offer tailored policies with features like agreed value cover, limited mileage options, and the freedom to choose your own repairer. These benefits come as standard, ensuring that your classic car receives the protection it truly needs.
Contact us to discuss your requirements and we’ll typically respond the same working day.
Which Classic Cars can we arrange cover for?
For insurance purposes, a classic car is typically defined as a vehicle that is over 15 years old and valued at £15,000 or more.
In terms of UK car tax exemption, a vehicle becomes a classic when it is more than 40 years old.
Classic cars often require specialist insurance due to their rarity, higher repair costs, and unique value. While standard insurers may struggle to provide adequate cover, Nowell & Richards offers competitive rates for a wide range of classic models, including:
- Veteran Classic Cars – Vehicles manufactured before World War One
- Vintage Classic Cars – Cars built before 1930
- Post-Vintage Classic Cars – Vehicles produced between 1930 and 1945
- Classic Cars – Any desirable vehicle that is no longer in production and holds collector appeal
If you’re still unsure whether your model is a classic, call Nowell & Richards today on 01785 255514 and a member of our team will offer guidance with your query and offer you a classic car insurance quote tailored to your needs.
What are the advantages of Classic Car Insurance?
Every classic car insurance policy from Nowell & Richards is tailored to your lifestyle, driving habits, and the unique value of your vehicle. Whether you own a single cherished classic or a growing collection, we provide flexible, high-quality cover that adapts to your needs and protects what matters most.
Key Benefits
- Unlock multi-car discounts that reward you for insuring multiple classics under one policy, helping you achieve better economies of scale.
- Save more when you insure smartly, with greater discounts available when you cover more vehicles with fewer named drivers.
- Lower your premium by choosing from flexible excess options that let you balance cost with the level of protection you prefer.
- Simplify your payments with one easy-to-manage policy and a single annual premium — no more juggling multiple renewal dates.
- Protect everyone on the road with personal injury cover for both drivers and passengers, included as standard.
- Drive any vehicle in your collection at any time with full comprehensive protection — ideal for enthusiasts who rotate their drives.
- Expand your policy effortlessly by adding more vehicles as your classic car collection grows or evolves.
Additional Features
- Enhance your peace of mind with high-value personal injury cover that goes beyond the basics.
- Travel with confidence using annual overseas driving cover — perfect for classic car tours and events abroad.
- Stay protected on the road with UK and European breakdown assistance included as standard in your policy.
- Safeguard your valuables with cover for personal belongings stored inside your classic vehicle.
- Choose your own repairer, ensuring trusted workmanship and the preservation of your vehicle’s authenticity and value.
Please refer to your policy’s Terms and Conditions for full details of the cover provided.
Why deal with Nowell & Richards for your Classic Car Insurance?
At Nowell & Richards, we believe that an ‘off-the-shelf’ classic car insurance policy isn’t the right fit for your vintage vehicle. We take the time to understand your lifestyle and driving habits, then tailor a personalized insurance solution just for you.
Trusted since 1976 as a specialist classic car insurance broker, we use our expertise to recommend the best UK underwriters. From quote to claim, we prioritize your privacy, continually monitor the market, and offer advice-led solutions instead of focusing solely on price. With billions of pounds worth of assets insured, you can trust that your vehicle is in safe hands.
About our cover
The exact cover will depend on many factors including your specific needs and the insurer we place your cover with. We’ll use our knowledge of the market and our relationships with insurers to find the right policy for you.
A typical policy might include:
- Agreed or enhanced value policies – Claims settlements would normally be based on the ‘book value’ of the car at the time of the accident, on a standard motor insurance policy. We typically arrange an agreed value for the year, so you know exactly where you stand if the car is written off and you need to make a claim.
- Use of manufacturer-approved parts – This helps ensure the safety and effectiveness of the repairs, whilst also protecting the resale value of your car.
- Repairs carried out by your chosen repairer – Giving you even greater peace of mind about the effectiveness of any repairs.
- High-value personal injury cover – In the event of an accident, this can compensate the driver and any passengers for losses arising from any injuries they incur.
- Annual overseas cover – If you regularly drive your car overseas, this can be included within your annual policy rather than obtaining ad-hoc cover for each trip.
- Breakdown cover – Helps ensure your safe arrival at your destination following a breakdown. Can be arranged for the UK and Europe if required.
- Personal belongings cover – Generous levels of cover, in line with the value of the vehicle.
- Track day cover – This can be added as an optional cover if you wish to use your own vehicle on a track.
It’s important to remember though that cover can vary. However, these examples demonstrate the comprehensive levels of cover we can arrange for you. If you deal with us, we’ll help you explore exactly what you need and fully explain the specific cover under your policy. Contact the team at Nowell & Richards today on today on 01785 255514 to discuss your classic car insurance requirements.
Classic Car Insurance FAQ
Understanding classic car insurance doesn’t have to be complicated. At Nowell & Richards, we’ve answered the most frequently asked questions to help you make informed decisions about protecting your cherished vehicle – from its unique value to how, when, and where you drive it.
Whether you own a single vintage model or a growing collection, our expert team is here to guide you every step of the way. For personalised advice, call us on 01785 255514 or get in touch via our contact page – one of our experienced Private Client Executives will typically respond the same working day.
A classic car is typically defined as a vehicle that is over 15 years old and valued at £15,000 or more. For tax exemption in the UK, a vehicle becomes a classic when it is more than 40 years old.
Yes. At Nowell & Richards, we allow you to select your preferred repairer. We also ensure that all repairs use manufacturer-approved parts to maintain the integrity and value of your vehicle.
Yes. We can arrange UK and European breakdown cover as part of your policy, helping ensure you reach your destination safely in the event of a breakdown.
Absolutely. We offer multi-car discounts and flexible policies that allow you to insure several classic vehicles under one plan, making it more cost-effective and easier to manage.
Yes. Annual overseas driving cover can be included in your policy, so you’re protected when taking your classic car abroad.
Getting a classic car insurance quote is simple and straightforward. Just call us on 01785 255514 or reach out via our contact page, and one of our experienced Private Client Executives will be happy to assist you. We’ll take the time to understand your vehicle’s history, usage, and value, then craft a bespoke classic car insurance policy that reflects your needs – all backed by our trusted panel of leading UK insurers.
Our reputation
Having worked with business owners, entrepreneurs and professional sports people since 1976, we know how to meet the sophisticated needs of such clients in a professional manner. Our business and reputation have grown as a result of our high levels of client retention and referral.
We’re now part of the JMG Group – one of the UK’s top 30 insurance brokers. This has given us greater access to exclusive offerings from major insurers, whilst retaining our independence in the advice that we provide.
Get in touch today to discuss your Classic Car Insurance
We’re here to help you secure a competitive classic car insurance policy that reflects the true value of your vehicle and suits your lifestyle. Simply call Nowell & Richards on 01785 255514, and one of our experienced team members will guide you through your options and help tailor a bespoke policy that offers the right level of protection for your cherished classic.