Your classic car could be a rare find or something that simply puts a smile on your face every time you start it up. Whatever classic you’ve got, we know it’s more than just any ‘old car.
These cars need to live on for future generations and not get scrapped in initiatives such as the ULEZ scrappage scheme.
That’s why when it comes to insuring classic cars, it isn’t just about finding the lowest price. There are other factors which are more important – the cover you get and the service you receive from the insurance provider.
You’ll find that by going direct through comparison sites or via an insurance company’s website, you’ll be met with a ‘one size fits all’ insurance policy.
It’s not an ’18 plate Fiesta we’re talking about here. The last thing you want is a generic insurance policy that is suited for modern vehicles.
A classic car needs insurance that understands the quirks, its true value and the care that goes into owning it. And that’s where opting for a classic car insurance broker can make all the difference.
Here are some reasons why you should insure with a classic car insurance broker like Heritage:
Classic car expertise that understands your needs
A classic car insurance broker understands the nuances of your vehicle that direct insurers and comparison sites overlook. With almost 60 years of experience working with owners of rare and vintage vehicles, a specialist broker like us know that you need bespoke protection.
You might own one of the only red Bristol 403’s in the UK, or a 1963 Morgan Plus 4 that’s been meticulously maintained and passed down through your family for generations. When you’re insuring classics of this nature, you’ll want to be working with a broker that knows its true value to get the cover you need.
We work with a variety of insurers that are not exclusive to comparison sites. This makes our policies bespoke to your requirements.
Truly personalised service
Comparison sites and shopping around lack the human touch. Maybe we’re biased here, and excuse us if we are, but you can’t beat picking up the phone and speaking to who wants to help you.
By working with a broker like us, we’ll:
- Speak to our panel of insurers and suggest the right options for your requirements.
- Make sure you understand the protection you’re getting.
- Be on hand to make changes to your policy, if and when you need to.
- Support you if you ever need to make a claim.
Agreed value – free of charge through Heritage
One of the unique benefits brokers can offer is agreed value. This means that the value of your car is agreed upon upfront, so God forbid it’s ever written off, you know exactly what you’ll get.
Many insurers and comparison sites work on market value, which fluctuates and may not reflect the true worth of your classic car. With a classic car insurance broker, the amount is clear from the start, giving you peace of mind.
This is particularly important for classic cars, where value is often tied to rarity, condition or your vehicle’s historical significance. Brokers like us make sure that your classic car’s value is properly protected.
Other classic car insurance brokers will charge a fee for this. But it’s free of charge at Heritage, subject to approval from the insurers we work with.
