Classic Car Insurance

Protect your cherished vehicle with specialist classic car insurance from Keith Michaels. We offer agreed-value policies as well as limited mileage schemes, giving you complete peace of mind and saving you money.
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Our team are here to help

92% of our customers get a cheaper quote over the phone

92% of our customers get a cheaper quote over the phone


Classic Car Insurance from Keith Michaels

If you are the proud owner of a classic car and want classic car insurance to protect your investment, look no further.

At Keith Michaels, we provide classic car insurance for all sorts of unique or cherished vehicles. From kit cars to vintage cars and rare cars, we are proud to offer you insurance that guarantees peace of mind and security. Most of these cars tend to be over 20 years old, but we can insure those over 15 years in certain circumstances.

9 times out of 10, vintage cars sit in garages for long periods of time and are rarely used. Even if this is the case, car insurance is still incredibly important. Our team of specialist insurers will find the most competitive insurance quote for you. Almost certainly, your classic car will be a 2nd or 3rd car and cover a limited mileage each year. We have schemes that take this into account, in addition to agreed-value car insurance policies.

or call us on 0208 329 1150

The Keith Michaels Difference

  • 30 years’ experience
  • Every customer is treated as an individual, not a policy number
  • We are a UK-based office, not a call centre
  • We are completely independent from any insurance company
  • All policies are looked at on their own merits to find you the best policy available

Why Choose Keith Michaels?

Classic Car Insurance

Dedicated Policy Handlers

Fraser McKay
0208 329 1154

Classic Car Insurance

Specialist Schemes

We have specific insurance schemes designed exclusively for classic car owners.

This scheme is for drivers aged 25 years and older.

Classic Car Insurance

Discounts For

  • Limited Mileage
  • Enhanced Vehicle Security
  • 2nd or 3rd Cars
  • Owners clubs
  • Secure Parking Access
Classic Car Insurance

Additional Benefits

  • Priority claims management
  • Agreed Value
  • Advice about vehicle values
  • Staff have over 30 years’
  • classic car experience
Classic Car Insurance

Get in Touch for your Classic Car Insurance Quote Today

or call us on 0208 329 1150

Classic & Vintage Car Insurance FAQs

Even if your classic car is SORN or only for display, insurance is still incredibly important. Similar to contents or home insurance, classic car insurance can protect owners against third-party damages, fire or theft, giving owners peace of mind. Without this in place, your assets won’t be protected if an incident occurs.
There’s no definitive answer. According to HMRC, a car is considered a classic if it’s at least 15 years old and worth more than £15,000. In the eyes of the DVLA, a classic car is considered around 40 years old and exempt from car tax requirements.
For insurance companies, it’s always worth checking what their definition is, especially as you’ll want to ensure the right cover is available for your car. Some insurers will consider a car a classic from 15 years old, whereas others will from 25 years old.
If you’re lucky enough to own a car that was in very limited supply or simply one of a kind, you will know that finding insurance is never an easy task. Here at Keith Michaels, we can arrange the rare classic car insurance policy you never thought was possible, simply by listening to your requirements and filtering through our large list of specialist policy providers.
Modified classic cars must have insurance, just like any other car. Often, modifications chosen are to help the car drive on today’s roads. It’s possible to update the brakes and even remap the engine, as well as other aesthetic changes, such as resprays or decals. It’s worth noting that any modifications made will need to be confirmed with your insurer. You’re also responsible for ensuring your car is road legal.
Dependent on your circumstance, car insurers may prefer to offer you insurance on a classic car once you’ve held a full driving licence for at least 12 months. However, that doesn’t exclude young drivers from being the proud owner of a classic car. In fact, it might be cheaper. It’s possible to get classic car insurance from the age of 18 years old onwards, but this is at the discretion of the insurer.
As well as an investment, classic cars are more likely to be looked after and securely stored when not in use. That means it can make insurance much cheaper for younger drivers, especially when compared with the insurance on new or slightly used cars. Classic cars are also not likely to be driven often, meaning they’re ideal for younger drivers who want to keep their premiums down.
Classic car insurance gives drivers the same types of cover as a regular domestic car. This includes:
• Fire
• Theft
• Third-party damages
You might also be able to review add-ons such as:
• No claims bonus
• Breakdown cover
Specialist car insurance companies will also need to determine whether your car sits within the classic car category based on its age. In some cases, there might also be more strict terms and conditions to comply with, such as mileage restrictions and usage. Choosing classic car insurance over regular insurance is likely to be cheaper, especially as you’re probably going to be taking good care of the car, driving it little and securing it in a safe location.
Classic Japanese car insurance is available through a number of schemes we have negotiated with insurers. Our classic Japanese car insurance offers all the benefits of classic car insurance (UK supplies and imports).
Here’s where you need to be careful, especially when determining if your car is a classic or not. Cars built or registered more than 40 years ago don’t require a valid MOT certificate to be driven. In the instance that your car is deemed a classic by an insurance company, but it is younger than 40 years old, it will still need a valid MOT certificate.
Similar to an MOT, your car might not be exempt even if it is considered a classic. According to the DVLA, only cars over the age of 40 years old are exempt from car tax. So even if your car is considered a classic by your insurer, if it’s much younger you’ll need to pay the correct rate of tax on it yearly.