Classic Car Insurance

To qualify for a classic car policy from the RAC, your car must have been made before 1990 - so it doesn't need to be technically classed as a classic or collector car, it just needs to be a certain age. If your car was built after 1990, you can call us on 0330 159 0728 to discuss requirements.

We don't just offer insurance coverage for cars, either. We have a range of policies for several different types of older vehicles. Contact us to discuss an insurance policy for classic military vehicles, classic motorbikes, classic tractors, classic commercial vehicles and more. This even includes American classic cars if you're lucky enough to own and a drive a Cadillac.

The price of our policies will differ depending on several factors. You can get an indicative quote within just a few minutes. You'll need to confirm the year, make and model of the vehicle to be named on your classic car policy, as well as the vehicle's estimated value and its annual mileage. The age of the driver may also have a bearing on the price of the insurance policy.

If you have an old car, the chances are that you drive and use it differently to your main day-to-day vehicle. You'll probably drive it less frequently, record less mileage, and perhaps also give it a little extra care and attention. You may well keep a vintage car in a secure garage for the majority of the time when not being driven. All these factors mean that a standard car insurance policy could be more expensive than a classic car policy.

Antique car insurance can also provide cover for public road rallies and trials, and we can offer laid-up cover, which applies if the car is off road and being restored, stored, or rebuilt. So, if you have a collector car and plan on 'doing it up' your insurance can cover damage or theft during that time.

It's quick and easy to get a quote for a classic car policy from the RAC. We work in partnership with the UK's leading classic car insurance experts, Hagerty Insurance, to provide insurance coverage for a range of older vehicles. Simply get a quote online or phone us on 0330 159 0728. Our lines are open from 9am to 5.30pm on Monday to Friday, and from 9am to 1pm on Saturday.

Our vintage car insurance can cover cars that have been modified. While some insurers may refuse insurance coverage for modified cars, we can often consider and accommodate what we deem to be reasonable modifications if they're in-keeping with the style of the car. For example, we understand that many American classic cars have been modified in some way, so our American Classic Car insurance can be tailored to suit.

The term classic car is a broad term that can cover several types of vehicles so we provide insurance coverage for specialist use. A good example of specialist use is ‘limited mileage’, which if taken out can reduce the cost of your insurance and make driving your pride and joy more affordable.

Talk to us about the age, make, model and intended use of the antique car or collector car you need insuring and we'll do our best to provide a competitive quote for an insurance policy that suits it perfectly.  If you have a classic tractor, classic military vehicle, classic motorbike or a modified American classic car, we can help.

UK and European breakdown cover (including recovery) is automatically included within our Classic Car insurance policies, and available for cars, motorised caravans, vans and motorcycles.