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Classic car insurance

Cover for your classic or collectible

Call 0330 123 3879 for a quote

Insurance for your classic car

If you're over 25 years old, your car is over 15 years old and standard build, and you do less than 7,500 miles a year, then we can help.

Automobile Association Insurance Services Limited will introduce customers to Towergate Underwriting Group Limited (trading as Towergate Classic Motor) which will arrange AA Classic Car Insurance.

Towergate Classic Motor will send complete documentation after you've bought your policy.

Benefits include:
  • Agreed classic car value (where available).
  • Free collector's car valuation service.
  • Unlimited windscreen and window damage (£50 excess).
  • Towing of a trailer or caravan (third party only).
  • Cover in most European countries at no additional cost.
  • Up to £5,000 personal accident cover for you and your spouse.
  • Up to £250 medical expenses for each person in the vehicle.
When you call for a quote, remember to ask us about these optional extras:
  • Cherished number plate cover.
  • Annual wedding hire (to cover the hire of your vehicle at weddings).
  • Legal expenses cover.

Classic car insurance

What's a classic car?

Any car manufactured at least 15 years ago as a standard production model. The annual mileage must not exceed 7,500 miles – discounts are available for lower mileage. Other vehicles including commercial vehicles, military vehicles, tractors and custom made replicas may be acceptable. Please call 0330 123 3879 to discuss your vehicle.

Do Cherished or Classic Car Club members get special rates?

If you're a member of a recognised classic car club, you will qualify for a discount. (A photocopy of your membership card will be required.)

What is the excess?

This is the amount that you will be required to pay towards the cost of any claim for loss of or damage to your vehicle. Excesses are determined by the vehicle's value. If you require further information please call 0330 123 3879.

How is the car's value determined?

The underwriters base their values upon the 'fair market' value of a vehicle (the value that could be achieved in a sale between a willing seller and a willing buyer), agreed at inception and guaranteed until the following renewal. The Agreed Value process is subject to five recent colour photographs (as detailed below) of your vehicle, signed on the reverse with the date they were taken. In some cases additional supporting evidence will be requested. Please note: a charge of £15 will be made to provide an Agreed Value for vehicles less than 25 years of age and £5,000 (or less) in value.

  1. The front and one side view with the number plate clearly visible.
  2. The rear and second side with the number plate clearly visible.
  3. The interior of the vehicle.
  4. The vehicle engine bay.
  5. One photograph of the odometer clearly evidencing the mileage covered.

What is a Thatcham security device?

The Thatcham Motor Insurance Repair Research Centre evaluates the effectiveness of car security products against the British insurance industry's criteria. Most insurers acknowledge the benefits of these devices.

Can I insure more than one car on a policy?

No, we can only cover one vehicle per policy. However, we do offer multicar discounts subject to terms and conditions. For more details, please call 0330 123 3879.

What mileage limits do you offer?

Our policy offers you limits of 1,500, 3,000, 5,000 or 7,500 miles per annum (mpa). 7,500 mpa is only available for vehicles over 20 years old.

What happens if I exceed my mileage limit?

If at the time of a claim it is established that the mileage limit has been exceeded, this may affect settlement. It is possible to increase your mileage limit providing it is prior to a claim occurring and that the required additional premium has been paid. Please note the maximum mileage limit allowed is 7,500 miles per annum.

Does my policy earn a no claims discount?

No. Classic car insurance differs from everyday car insurance in that you do not earn a no claims discount. We will however issue evidence of claim free driving if required.

About your cover

Is immediate cover available?

Yes, immediate cover is available both via the phone and the Internet. If you need an urgent cover note for taxation purposes please call 0330 123 3879.

Does my policy allow me to drive abroad?

All private car policies issued in the UK include the minimum cover required in any EU country. In addition Towergate Classic Motor Cherished Car Insurance policies provide cover equivalent to that held in the UK (for up to 90 days in a year) automatically. Cover may be extended for longer periods or for countries outside the EU.

Does my policy allow me to drive anybody else's car?

No, the policy excludes driving of other cars not belonging to or hired to you.

Does my classic car policy allow any person to drive?

No, however you can have up to six named drivers including the policyholder.

Can you cover me for third party fire and theft only?

No, we can only provide comprehensive or laid up cover.

Good to know

Automobile Association Insurance Services Limited, registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 2414212.

Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA). You can check their register or call the FCA on 0800 111 6768, quoting 310562.

Car insurance

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