Classic car insurance specialists since 1973
With 50’ experience arranging vehicle insurance policies for historic car enthusiasts, we’re experts at tailoring classic car insurance policies to your individual needs. Whether you own a Reliant Robin, a Morris Minor, a classic Mini, an older Beetle, an MGB, a Triumph, an imported American classic a whole collection of classic cars, or anything in between, we can compare classic car insurance quotes so you don’t have to.
Our sales team is made up of car enthusiasts, meaning your hobby is our own. As a result, we’re passionate about finding you a great deal. Each and every quote we give is tailored to you and your unique circumstances.
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How much does it cost to insure a classic car?
Insurance for classic cars is often the cheapest option for our customers. This is because we know you’re more likely to treat your classic car with care. In fact, our classic car insurance customers saved an average of 39% in 2023 when taking out a policy with us. See how much you could save by giving us a call.
Let us know if any of the following apply to you and we could offer you better premiums:
Limited mileage
If you use another car as your daily driver, you’d probably benefit from our discounts for those driving limited miles.
Agreed value cover
Agreed value options available on all classics, so your pride and joy is fully covered in a total loss.
Club or forum member
Restoring or not using your classics
We offer laid up or build-up cover for classic cars.
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
Extra Benefits
Agreed Value
Agreed Value Car Insurance
Owning a car that you really care about makes it all the more important to get proper compensation should you need to make an insurance claim. Our agreed value car insurance is a great way of tailoring your insurance to you.
A wide range of vehicles, from classics and performance cars to modified cars and imports, would benefit from guaranteed value car insurance. Phone us now to see if your car is one of them.
Excess Protect
Excess Protect
Even though having the right insurance can save you money when you need to claim, your policy excess could still run into hundreds of pounds.
Our excess protect policies will pay your excess for you, up to an annual limit, if you need to make a claim on your policy – saving you money.
The amount of excess you have to pay depends on your policy and can be found on your policy documents. If you opted for a voluntary excess this is an extra amount on top of your compulsory excess, which can bring your premiums down, but is payable on top of your compulsory excess when you make a claim.
We offer excess protect cover at different levels to suit your policy. Speak to a member of our team to find out more and to add it to your policy.
Breakdown
Flux Rescue Breakdown Cover
Get comprehensive breakdown cover from just a year that offers 24 hour UK and EU roadside assistance and recovery, 365 days of the year.
With cover provided for breakdown and recovery, transport to your home, destination of choice, or a garage for you and five passengers, emergency accommodation expenses, home start service, and breakdown cover for your caravan or trailer too, you can get fantastic protection without breaking the bank.
Our breakdown helplines are open 24 hours a day, 365 days of the year, and we have a network of more than 1,800 breakdown experts across Europe, so you’re only ever one phone call away from help.
Keycare
Keycare Insurance
If you’ve ever lost your keys, you’ll know that it’s no laughing matter, and can in fact end up costing you a lot of money in locksmith fees.
For just a year, our five-star Keycare insurance policy will cover locksmith expenses, replacement locks and keys, car immobiliser replacement costs, car hire costs, and transport costs if you’re stranded, up to a value of £1,500.
We’ll pay out if your keys are stolen, locked inside your home or vehicle, or lost for 48 hours. Better yet, your keys are protected regardless of your location; we now cover keys worldwide.
For more information and to add Keycare to your policy, speak to a member of our team today.
SORN & Build Up Cover
Laid-up Insurance, SORN Insurance and Build-up Cover
Even when your car is unused and parked in a garage, it can be damaged by accident or by fire and can even be targeted by thieves and criminals. To help keep your motor intact while you aren’t using it, we can offer laid-up insurance.
From kit cars being built to SORN insurance, cars laid-up in need of repairing, to ones you only use seasonally – whatever your reason for keeping a vehicle off the road, we can find you cover.
We are also able to offer insurance for cars that won’t be used on the road, but aren’t laid-up. We have policies available for track cars, show cars and even purely off-road cars (vehicle must have a unique identification number, such as a chassis or engine number); as long as you won’t be driving on the road you could get discounted insurance to help cover your motoring hobbies.
Misfuel
Misfuelling Insurance Cover
A staggering 400 people every day put the wrong fuel in their car – that’s 150,000 people every year!
The damage caused by filling your car or van up with the wrong fuel can be catastrophic, and lead to hundreds, if not thousands, of pounds worth of repairs being carried out.
With misfuel cover, as long as you’ve realised your error before driving away we’ll cover draining the fuel from your car, tow you to a garage if we can’t help at the pump, and provide £10 of fuel to get you on your way again.
Public Liability
Public Liability Car Insurance From £19.99
Protect yourself from liability costs with our public liability car insurance, available from . Ideal in the event you or your vehicle damages someone else’s property or causes accidental bodily injury.
Public liability car insurance can protect you should you:
Display your car in a car show or exhibit: give us a call if you regularly attend and exhibit in car shows and you require legal cover.
Work as a driving instructor: we offer driving instructor insurance for ADIs and PDIs. Public liability cover can be added to your insurance with little extra fuss.
Work as a courier: you can easily add public liability cover to your self-employed courier van insurance.
Spare Parts
Spare Car Parts Insurance
Whether you own spares for your kit car or are in the process of modifying your day-to-day motor, are collecting parts for a future mod or have just got a few old spares lying around, your standard insurance policies could be leaving your vehicle spare parts dangerously unprotected.
Sadly, most household insurance policies exclude cars and their unattached parts, and even those that do offer cover could end up costing you dearly with high excesses and the premium rises after a claim.
But, with Adrian Flux’s Spare Parts Insurance, you can get cover for storing thousands of pounds worth of spares at home or in your car from as little as .
What kind of classic car insurance do you offer?
Our 50 years in the industry as a specialist insurance broker for classic cars has allowed us to provide cover for all types of older vehicles, including vintage, pre-war, historic and modern classics. Here are just some of the areas where we offer classic car insurance. If you can’t find your vehicle on the list, give us a call as it’s likely that, whatever classic vehicle you own, we’ll be able to cover it.
Classic multi-car insurance
If you own multiple classic vehicles and you cover them all with us, you could get a great discount on your insurance by taking out classic multi-car insurance. Just give us a call to let us know which vehicles you want to cover and we can help.
Classic Land Rover insurance
If you own a classic Land Rover or Range Rover, you’ll be pleased to know that we offer affordable classic Land Rover insurance for your vehicle. Whether you own an army-issue Landy or a Series 1, we can help find you cover that suits your needs.
Classic camper insurance
There’s nothing like going on an adventure or enjoying van life in a classic campervan. We offer classic campervan insurance for all types of classic campers, from classic VW campers to the Mazda Bongo and everything in between.
Classic VW insurance
As a specialist insurance broker, we have a soft spot for classic VWs (in fact, we have a whole hub dedicated to them and VW stories!). That’s why we offer tailored classic VW insurance at a great price. Whether you own a rare GT Beetle, a Beach Buggy, a Corrado, or any other type of classic V-Dub, we can help.
Classic 4x4 insurance
Whether you own a Jeep Wrangler from the 90s or a classic Suzuki Jimny, we can help you get affordable classic 4×4 insurance that’s tailored to your needs. This means that even if you take your vehicle off-road or down green lanes, we can help you get the cover you need to use your 4×4 to the fullest.
Classic truck insurance
Do you use a classic truck, van or lorry? We’re one of very few insurance brokers to provide insurance for your classic truck or van. Whether you use the vehicle for business or pleasure, we can help.
Classic Ford insurance
If you own a classic Ford, you own a piece of history. Whichever classic Ford vehicle you have, as a specialist classic car insurance broker, we can help you get tailored cover that suits your needs. From the Ford Mustang to the Ford Cortina, chances are we can cover it.
Get a Classic Car Insurance Quote
Complex classic car insurance needs?
At Adrian Flux, we understand that no two situations are exactly the same. If you have more questions, or you feel your needs are more complex than what we have covered on this page, simply give us a call on 0800 369 8590 or request a callback. We work with a panel of over 30 insurers, meaning that even if you have the most unique situation, we’ll likely find a solution for you.
Can I get modern classic car insurance?
Set your heart on a classic car from the 80s, 90s or noughties? If so, you’re in luck. We offer modern classic car insurance for all types of newer classics. Whether you’ve set your eyes on the BMW Z4, the Lotus Espirit, the VW Golf GTI, or any other beauty from this era, we can provide affordable cover that’s tailored to your needs.
We even offer cover for future classics, and can put them on a classic car insurance policy in the right circumstances.
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
Can I get classic car insurance as a young driver?
Yes, we’re able to secure classic car insurance for under 25s. Insurance on older cars can even be cheaper for 17 and 18 year olds who are looking to buy their first car.
Plus, as an insurance broker specialising in providing cover for classics, we know that if you’re a young driver and you’ve invested in a classic, chances are you’ll take good care of your pride and joy. That’s why we’re able to offer affordable under 25 classic car insurance even if you’ve just passed your test.
Get a Classic Car Insurance Quote
Why choose classic car insurance with Adrian Flux?
We love that even though we’ve been in the business since 1973, we continually hear about special sets of circumstances that warrant a completely different approach. As an insurance broker, we have access to a wide range of schemes for unusual situations.
We offer flexible and competitive collector’s car insurance quotes for most circumstances, sourcing you the best scheme from among the many offered by our panel of over 30 insurers. Why waste your time ringing around dozens of companies when we can do it for you?
And if you do ring around, come to us last. We will do our very best to beat the cheapest quote you get.
- Agreed value policies available
- Quotes compared in under 15 minutes
- Exclusive deals through us
- Each policy is tailored to you
- Operating since 1973
- Panel of over 30 insurers
FAQs
Are classic cars MOT exempt?
Any car 40 years and over is now exempt from MOTs, meaning that most vehicles manufactured on or before 1979 are likely eligible for MOT exemption. Read our in-depth guide on MOT exemption for classic cars to find out more.
How old is a classic car for insurance?
This question is hotly debated by classic car owners, insurers and brokers alike, and while there are no hard and fast rules, most deem cars as “classics” when they are 20 years or over.
However, here at Adrian Flux, we understand that this is not always the case. We are one of very few insurance brokers recognising that even five-year-old cars could be called classics, especially if the model has stopped being manufactured or it’s gained a following.
Can I get short-term insurance for my old car?
Yes, we offer temporary insurance for your classic car. Just call us and let us know how long you need cover for and we’ll provide a classic car quote.
We’re also able to cover your vehicle for track and rally days, and wedding hire. Whether you’re making someone else’s dreams come true by hiring out your classic Rolls-Royce or Mustang for their wedding, or you’re making your own come true by driving your Ford Mondeo at a local event, we can help.
What if my classic car is modified?
Restoring a car to its original beauty could be your end goal. However, if you want to completely retrofit a classic with modern internal features, you might struggle to find insurance that actually covers these modifications in your policy. As a specialist modified classic car insurance broker, we can help. Speak to us if this applies to you and we should be able to help.
Are classic cars cheaper to insure for young drivers?
Our panel of over 30 insurers allows us to be flexible, even when it comes to young drivers. We have a number of schemes that can offer great rates for young drivers wanting to insure a classic. You might even be able to get a quote that’s cheaper than the quotes you’ve received for standard car insurance.
Speak to us now for more information.
Is classic car insurance cheaper than regular insurance?
Yes, it generally is cheaper to cover a classic or antique car compared with standard vehicles, especially when you take out a policy with a specialist insurance broker like us. This is because we know that if you’ve gone through the expense of buying a vintage car, chances are you’ll take good care of it.
Do you cover classic commercial vehicles?
Yes, we offer cover for classic commercial vehicles for those who depend on their vintage vehicle for their business. Whether you own an older tractor model, a classic van or vintage pick-up truck, we can help.
Can I get cover for vintage, veteran, historic and pre war vehicles?
Yes, if you’re lucky enough to own a vintage or veteran car from the early-to-mid 1900s, we know it takes a lot of time and dedication to maintain such a special vehicle. We offer tailored car insurance for pre-WW1 and pre-WW2 vehicles so you can rest assured your pride and joy is in safe hands.