Classic Car Insurance

Classic car insurance

Cover for classic and collectors' cars

Choose AA Classic Car Insurance

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.

When you choose 'Get a quote' you will enter the Towergate Classic Motor website, where you can only get a quote for or buy Classic Car Insurance, underwritten by Markerstudy Insurance Company Limited. Please note there is no discount available for buying Classic Car Insurance online. Towergate Classic Motor will send you 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

Optional extras:

  • cherished number plate cover
  • annual wedding hire (to cover the hire of your vehicle at weddings)
  • legal expenses cover

Call 0844 346 3282 to speak to an adviser about optional extras.

Get an insurance quote for your classic car

Get a quote

* Terms and conditions apply; see policy wording for details.

Automobile Association Insurance Services Limited is an insurance intermediary which is authorised and regulated by the Financial Conduct Authority, registration number 310562. You can check this on The Financial Services Register by visiting their website www.fca.org.uk or by contacting 0800 111 6768.

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

Classic car insurance policy documents

Please read all the information relating to your policy before you buy AA Classic Car Insurance.

Classic car insurance policy summary

Classic car insurance policy wording

About classic car insurance

Frequently asked questions

Classic car insurance

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.

  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. 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.

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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 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.

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Call our UK call centre

 

0844 346 3282

 

Mon–Fri 9am–5pm