What is classic commercial vehicle insurance?
Classic commercial vehicle insurance is a specialist policy. It usually covers classic lorries, large vehicles, trucks, and vans. Your vehicle will need to meet some rules. It must be a special vehicle that collectors might be interested in.
Our partner, Hagerty, can cover your classic commercial vehicle whether it’s on road or off road. They offer full cover, third party, fire and theft or third-party cover. Now that your classic commercial vehicle has been lovingly restored and is ready to be shown to the rest of the world, make sure you choose the right cover to protect it.
Does my commercial vehicle qualify for classic insurance?
Of collectible interest
Your vehicle must be a special collectible. It needs to be kept for personal use, and not for business.
Only used as a second vehicle
This means it shouldn’t be your main vehicle. It also shouldn’t be driven over 5,000 miles a year.
Kept in a secure location
It should be parked in a garage or on a private driveway, not on the road.
What’s included in your cover?
Covered
Hagerty cover up to £20 million for property damage. There is no limit for death or injury.
If the glass in your windows or sunroof gets damaged, Hagerty cover the cost. If your vehicle was made after 1990, we can cover up to £1500.
Hagerty cover up to £500 for loss or damage to personal items in the vehicle you’ve insured. The damage must be caused by accident, or by a fire, or by someone stealing your items.
If you lose your personal registration plate, Hagerty will give you up to £5000 towards the cost.
Not covered
Loss of use of the insured vehicle, or any indirect loss.
Any vehicles with less than four wheels, unless agreed by Hagerty.
Damage to tyres caused by braking, punctures, cuts or bursts.
Loss or damage from wear and tear or breakdowns. Nor can Hagerty cover problems caused by the vehicle’s electrical or computer systems.
The information above is based on policies from Aviva. Please make sure the cover levels in your policy meet your needs.
Benefits included as standard in your cover
There are several benefits included in your standard cover, giving you the peace of mind you need.
RAC Breakdown Cover and recovery
RAC Breakdown Cover and recovery gives you peace of mind if your classic commercial vehicle breaks down.
Legal expenses
You'll get help with legal expenses, making sure you have the support you need if you ever require legal assistance. Whether it's a dispute or a claim, you can rely on expert help when needed.
Agreed value insurance
Your classic commercial vehicle is fully covered for its complete value, giving you the confidence that it’s protected no matter what happens.
Salvage retention
If your vehicle is damaged in an accident, you can keep it. This allows you to repair or restore it, so you can continue to own and care for your vehicle.
What’s the cost?
Classic vehicle insurance could work out cheaper. Insurers may see you as lower risk because the car is driven less, well maintained, and often kept in a secure garage. The cost of insuring your classic commercial vehicle depends on:
✓ Where you live
✓ The car’s value
✓ How often you drive it
✓ Where it’s kept
✓ The vehicle’s year, make, and model
✓ Yearly mileage
✓ Your age, driving history, and any past claims.
To find out how much your vehicle might cost to insure, get a quick quote or call 0330 159 0728.
Lines open Mon–Fri 9am–5.30pm, Saturday 9am–1pm (Bank Holidays excluded).
Why choose RAC Classic Commercial Car Insurance?
Your vehicle’s full agreed value will be covered. This protects the full worth of your classic vehicle.
You’ll get up to £100,000 for legal costs if you make a claim. This gives you financial support and peace of mind.
You’ll get personal belongings cover up to £500. This means we’ll pay you back if your belongings are lost or damaged in your vehicle.
A brand you can trust
Our partner Hagerty is the UK’s top classic car insurance expert. They have a rating of 4.6 on Trustpilot. This is based on over 8,000 reviews (data accurate as of December 2024). And the RAC has over 125 years’ experience. So, you can be sure that your classic vehicle is in good hands.
Do you need special classic cover?
Hagerty has lots of kinds of classic vehicle insurance to fit your needs.
Still not sure? Find answers to your questions.
Classic commercial vehicle insurance is worth it. It offers special cover for classic lorries, trucks, HGVs and vans. It takes into account the vehicle’s value and how you use it.
As a classic vehicle owner you likely drive less miles at slower speeds. You might also keep your vehicle in better condition. This often means your insurance is cheaper because you’re seen as a lower-risk driver.
Getting classic commercial vehicle insurance is quick and easy. You can get an online quote, or you can call 0330 159 0728. Our phone lines are open Monday to Friday from 9am to 5.30 pm. They’re also open on Saturdays from 9am to 1pm. Our phone lines aren’t open on Bank Holidays.
Some insurers won’t cover your vintage or classic car if you’ve changed or modified it. Our partner, Hegarty Insurance, might cover your classic car or vehicle even if you’ve changed it. You can call us on 0330 159 0728 to find out if we can help you get cover.
Classic commercial insurances often gives you cover for special uses. This includes car shows, rallies on public roads and car trials. It usually doesn’t cover you for events like speed trials, racing, time trials, and track events.
Hagerty’s classic commercial vehicle insurance gives you lots of helpful benefits. RAC Breakdown Cover is included with all different types of insurance. You also get extras like getting your vehicle picked up if you break down and money towards legal costs. You may also be able to keep your car after it’s been damaged in an accident.
It's also often cheaper. As a classic vehicle owner, you probably drive fewer miles at slower speeds. You might also keep your car in better condition and store it more securely. This means you’re seen as a lower-risk driver and your insurance may be cheaper.
