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If you’re the proud owner of a classic car, you may well have spent a lot of time and money restoring it to its former glory. You might also want to do more to know that it’s protected in case the worst should happen and it breaks down. Read our guide to see how classic car breakdown cover works and if there’s a policy that could offer you peace of mind with your pride and joy.
Classic cars by nature are often older and may require more maintenance to keep them on the road. Unfortunately, with age, these cars might also be less reliable, leading their owners to seek additional protection to avoid being stuck at the side of the road. Classic car breakdown cover typically lets you insure your older model against the unfortunate event of it breaking down.
Although policies will vary between providers offering breakdown cover, you will generally be able to choose between two different types of policy.
A vehicle policy is specific to the insured vehicle, regardless of who the driver is. A personal policy allows you, as the driver or passenger, to be covered when travelling in any vehicle.
The features of the classic car breakdown cover will vary between providers as well as the level of cover you choose. Generally, you can expect to see the following options:
Be sure to read your policy document carefully to ensure you have the right level of cover for your needs.
Make sure to familiarise yourself with any potential exclusions that could invalidate your classic car breakdown cover. The insurer may refuse to offer cover in the following situations:
When trying to find the most suitable cover for your needs, it’s important to consider how you use your classic car. Do you drive your classic car every day or just on special occasions? If you own another car that you use most of the time, then a personal policy might suit you as you would be covered to drive other cars.
If your classic car is regularly on the road and driven not only by you, you may wish to take out a vehicle policy as it would cover the car, regardless of who is driving it.
Always be sure to read the policy details to ensure your classic car will be properly insured in the event of it breaking down as some breakdown policies do exclude classic cars.
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