Cover for classic and collectors' cars
Call for a quote 0844 346 3282
When you call for a quote, remember to ask us about:
If you're over 25 years old, your car is standard build over 15 years old, 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 you complete documentation after you've bought your policy.
* AA Classic Car Insurance comes with terms and conditions – see the policy wording for details.
Automobile Association Insurance Services Limited, registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. England and Wales. Company registration number 2414212.
Automobile Association Insurance Services Limited is an insurance intermediary, registration number 310562, which is authorised and regulated by the Financial Conduct Authority (FCA). You can check their register or call the FCA on 0800 111 6768.
What is 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. If you are unable to find your vehicle on our website listing please call us on 0844 346 3282.
Do Cherished / Classic Car Club members get special rates?
Yes, if you are 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 on this subject please contact us.
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.
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. If you would like further details, please call us on 0844 346 3282.
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.Back to top
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 us for assistance on 0844 346 3282.
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.Back to top