Modern / Future Classic Car Insurance

Ensure the right cover is in place for your future classic. Our expert brokers have over 30 years’ experience in arranging specialist insurance policies for all makes and models of modern classic cars.
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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


Future Classic Car Insurance from Keith Michaels

One day your modern car will become so much more. Future classics have a sense of pedigree, as they’re rarer and more valuable on the market. The status of “classic” is both rewarding and with its risks, as this can bump up your premiums, making a specialist cover policy both harder to secure and even more costly.

Not all insurers recognise a future classic when they see one. Fortunately, we are one of a few car enthusiasts and insurance specialists who understand the hidden value of tomorrow’s classics. Our modern / future classic car insurance is designed for drivers of cars with unique value, especially ones that age as classics. We understand that certain future classics have the potential to appreciate in value. Our insurance experts will help and advise you honestly regarding the value of your future classic.

Keith Michaels are likeminded car enthusiasts, so we understand that today’s modern cars will be tomorrow’s classics. Our bespoke cover for a future classic car insurance is specially designed, and tailor made, to look after your vehicle’s hidden value, even if it’s not yet a “classic”. Through Keith Michaels, you can access tailor made policies to suit your individual needs – so get in touch with us today.

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 a UK-based office, not a call centre
  • All policies are looked at on their own merits to find you the best policy available

Examples of Future Classic Cars

Modern classic cars could describe motors that are either performance, luxury, or unique. A type of investment car, a future classic is typically your 2nd/3rd car. Although we cover a range of vehicles, here are some examples of future classics that we have insured at Keith Michaels:

Alfa Romeo

  • Any GTA model
  • GTV 3.0/3,
  • 2+ all Spider models
  • 4C
  • any 2 seat/conv model.

Aston Martin

  • Aston Martin DB9
  • Aston Martin Vantage
  • All Models


  • Audi RS6 C5 model
  • RS4 B7 (pre 2009)
  • Select TT’s (Mk1 3.2, Quattro Sport)


  • All Models

BMW / Alpina

  • BMW M3, 4.0 litre V8 (pre 2015)
  • BMW M3 E36 3 litre
  • Select (older) M models with engine >3.0L (i.e. M3 Special edition, 2dr, not 4dr)
  • All Z models with engine >2.8L
  • Select Alpina models


  • Select 595/695 Abarth models
  • Barchetta
  • 124’s
  • Coupe’s


  • Ford Focus RS Mk1 & Mk2
  • Select Fiesta ST (mk7)
  • Focus ST170
  • RS Mk1/Mk2
  • Mondeo ST220
  • Puma Racing


  • Honda Civic Type R
  • Older Type-R Civic (EP3)
  • All NSX, S2000’s
  • DC5
  • Integra R’s


  • Any ‘R’ model (XKR, XJR, etc)
  • XK8


  • Any special edition Defender (eg SVX, Tomb Raider, Heritage)
  • SWB V8


  • All SC models


  • All models


  • Select 2-door models


  • Mazda RX7
  • Mazda MX5
  • Select MX5/Eunos
  • All RX8 models


  • Mercedes SL55AMG
  • Mercedes C63
  • Mercedes 6.2 litre V8 (pre 2015)
  • Select (older) AMG models
  • All CL/SL models


  • Select TF models
  • All SV
  • All ZT 4.6L models


  • Works/JCW/GP


  • Mitsubishi Evo models 1 to 6
  • Select (older) Lancer Evo/Ralliarts


  • Nissan GTR
  • Nissan Pulsar/GTiR
  • Select (older) Skyline models


  • Select (older) models (except Cayenne, Macan, Panamera, Taycan)


  • Subaru Impreza RB5, RA, 22B
  • Select Impreza turbo models (P1, 22B)


  • Selected special edition models (Corolla TTE Compressor, all MR2 models)


  • Select Astra limited editions
  • Select VXR models (i.e Burg)
  • All Maloo/Monaro
  • VXR8/VX220 models


  • VW Corrado
  • Select GTI models (eg Golf, Polo, Lupo)


  • Select Renault sport models (Clio V6, trophy models)


  • Select GTI/limited edition models
  • RCZ

Why Choose Keith Michaels for Modern / Future Classic Car Insurance?

Modern / Future Classic Car Insurance

Direct Contacts

Christian Wheatley
0208 329 1155

Jeremy Pocock
0208 329 1157

Gary Moulson
0208 329 1167

Modern / Future Classic Car Insurance

The Scheme Is Perfect For

  • Drivers aged 30+ (25-29 on referral)
  • If the car you’re looking to insure is not your primary/everyday car
  • If you drive up to 3,000 miles pa (5,000 on referral)
  • If the car is garaged or kept on a driveway behind gates
Modern / Future Classic Car Insurance

Discounts For

  • Limited mileage
  • Enhanced vehicle security
  • 2nd or 3rd cars
  • Owners clubs
  • Secure parking access
Modern / Future Classic Car Insurance


  • Priority Claims Management
  • Any modifications considered
  • Agreed values available on request
  • Salvage retention available
  • Choice of vehicle repairer
  • Occasional commuting allowed
Modern / Future Classic Car Insurance

Get in Touch for your Future Classics Cars Quote Today

or call us on 0208 329 1150

Future Classics & Insurance FAQs

What age does a car qualify as a “classic”?

It’s tempting to associate “classics” with cars of the past. Yet, if you ask an insurer about modern classics, for purpose of legal road cover, the answer has little to do with age.

To an insurer, a “classic” says more about how a car it used (and kept). Generally, a modern classic describes car between 10 or 20 years old used by an owner as a 2nd/3rd car with limited mileage (typically lower than 5,000). It’s not, typically, your daily driver.

What cars are going to be future classics?

The classic car market will add middle-aged cars to its ranks in future decades to come, though these often describe cars that carry a certain pedigree by today’s standards. Some insurers consider cars of the 90s and early noughties to be contenders, but it’s often hard to speak for a car’s hidden worth.

That’s why it’s worth getting in touch today to discuss if your car is a future classic.

What if I drive a relatively new car?

While most future classics are between 10 and 20 years old as a general rule, newer cars can be considered for this modern classic insurance if the risk is right.

Can you insure a classic car as a daily driver?

Future classic car insurance is designed to cover your secondary car, rather than your everyday driver. A “classic” car describes how a car is used, not simply its age. Generally, your modern classic will be a special car used as for weekends, at motoring events, or even for casual Sunday drives.

Is it cheaper to insure a classic modern car?

This type of insurance cover is designed to protect your investment over time, as its value matures and the market recognises its pedigree, among its new desirability. For this reason, modern classic insurance isn’t really about securing cheap premiums, but rather is for securing the right level of comprehensive cover.