Classic Car Insurance

Could you be saving money on Classic Car Insurance with Lancaster Insurance?

  • Up To 40% Car Club Discount Available For Members

  • Salvage Retention Available

  • Classic Car Insurance Specialists For 40 Years

  • Comprehensive Agreed Value Available

  • RAC Breakdown & Legal Cover Available

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Classic Car Insurance

Lancaster Insurance Services have been insuring Classic Cars and Classic Vehicles since 1984 and have developed many different Classic Insurance products over those years with a carefully selected panel of insurers.

With Lancaster Insurance Services’ wealth of knowledge and experience in the Classic Car Insurance market means we can provide insurance cover for most types of Classic Car and Classic Vehicle offering benefits such as:

  • Limited Mileage Discount

  • Club Member Discount Up To 40%

  • Comprehensive Agreed Value Available

  • Choose Your Own Repairer Option

  • EU Cover up to 90 Days

  • 24Hr Claims Helpline

  • Multiple Classic Cover Available For Passionate Collectors

  • Show & Event Display Cover

Policy benefits, features and discounts offered on this page may vary between insurance schemes or cover selected and are subject to underwriting criteria. Some policy benefits may be at an additional charge.

Classic Car or Classic Vehicle Insurance that includes the correct cover you need at an affordable price can be hard to find however Lancaster Insurance’s passionate and dedicated team, will do their very best to find a policy that meets your demands and needs hopefully at a price that suits so why not give us a try?

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Who are Lancaster Insurance?
Lancaster Insurance Services was founded in 1984 to provide ‘limited mileage agreed value’ insurance policies to the UK Classic Car insurance market, and you can rest assured Lancaster Insurance Services still have the same passion for Classic Cars and Classic Vehicles we did back in 1984 hence the reason Lancaster sponsor the annual Classic Motor Show at the NEC Birmingham annually displaying our long term commitment to the world of the classic car enthusiast!

Why choose Lancaster Insurance Services for a Classic Insurance quote?
As a provider of Classic Car Insurance since 1984 and currently sponsoring the Classic Motor Show at the NEC Birmingham annually and having developed a strong panel of insurers and products since 1984 Lancaster can offer insurance cover that meets most Classic Car enthusiasts demands and needs at a price to suit most budgets and we believe our track record since 1984 makes Lancaster Insurance Services a broker you can trust with your pride and joy.

What vehicles can Lancaster Insurance Services cover?
Lancaster Insurance Services can provide Classic Car and Classic Vehicle Insurance cover for almost any ‘iconic’ Classic Car or Vehicle we can insure everything from an Aston Martin DB5 through to an ex-military Tank, so if you have a standard Classic Car or a highly modified or unusual Classic give us a try as Lancaster Insurance Services can insure almost any Classic Car or Classic Vehicle.

Additional benefits available can include*:

Agreed Valuation

Agreed Valuations provide a guaranteed pay-out for your vehicle based on its current condition and current replacement value, meaning if the worst were to happen and your vehicle is stolen or written off you can replace the vehicle with another vehicle in a similar condition and value rather than taking the chance of being paid ‘market value’. Market value on a classic or specialist vehicle can be considerably less than your vehicle may be worth as ‘market value’ doesn’t consider restoration costs, modifications, rarity or provenance and ‘market value’ isn’t specific to your vehicle where an agreed valuation policy is. You will need to submit photos and a small questionnaire on the condition of the vehicle, then a certificate confirming the value will be issued to you.

Club Member Discount up to 40%

Being a member of an owner’s club and true enthusiast, can provide extra discounts against your insurance. Our insurers believe owners clubs members give their vehicle more love, care and attention so they may reward you with extra discounts on this basis.

Limited Mileage Insurance

Often a Classic Car will be on the road less than your everyday vehicle often only being used at the weekend, holidays and high days and our insurers often reward you with extra discount for ‘limited mileage’ on this basis.

Modified Classic Insurance

We understand Classic Car owners and enthusiasts either want to or need to modify their vehicle for numerous reasons and our insurers accept most modifications you can think of from something as simple as fitting more modern alloy wheels to replacing the engine with a larger ‘cc’ engine to get that extra horsepower for the longer journeys or maybe because your engine seized, Lancaster can offer cover for most modifications.

Choice of Repairer Option

Lancaster Insurance Services are partnered with several Classic Car insurers who will allow you to choose your own repairer in the event of accident where your Classic Car needs repairing rather than you needing to use the insurers approved repairer (subject to terms & conditions set by the insurer). This option allows Classic Car owners to take their vehicle for repair to the garage who may be restored the vehicle for you, or you can take it to a local garage who work on your vehicle regularly for you so they can carry out the work for you providing you that extra peace of mind if the worst were to occur.

Laid Up Cover

If you are working on your latest Classic Car restoration project and are concerned about theft or accidental damage cover for your vehicle whilst the work is carried out, you’ll be pleased to know you can protect your vehicle whilst it’s off the road in a garage or parked on your driveway and often premiums are cheaper than ‘on road’ cover as there is no third-party liability needed whilst the vehicle is off road (vehicle make/model and parking dependant, get in touch to ask more about this).