Classic Car Insurance that's Tailor-Made for You
Peter Best Insurance is an independent UK insurance broker specialising in classic car insurance, classic motorcycle insurance, as well as insurance for other collectible classic vehicles. Our specialist car insurance policies cover a wide range of vehicles, from the traditional marques to more modern classics, which may be only 10 years old.
Our car insurance schemes are designed to cover all the essentials such as agreed value, choice of mileage options EU cover, roadside assistance and recovery plus the availability of 'laid up' cover useful for vehicles undergoing home restoration.
Salvage retention may also be available subject to individual vehicle circumstances or category of write off.
Other personalised classic car insurance categories we cover include London vintage classic taxis and 4x4's including Series One, Series Two and Series Three Land Rovers.
Car Club Insurance Schemes
Peter Best Insurance looks after a wide range of classic car club insurance schemes, including marques such as MG, Mercedes Benz, Morgan, Triumph, Jaguar and Rover. Classic Land Rovers are also a very important part of our business, including the ever-popular Land Rover Series One and Series Two and Series Three models.
Other popular classic vehicles we cover include Morris, Volvo, Saab, camper vans, collectible commercial vehicles and kit cars.
We also insure classic hackney carriages, such as London vintage taxis and other classic taxi models including the Austin FX3 and FX4 and LTI Fairway. We have a range of insurance scheme options for most car clubs.
Please ask us if you do not see your car listed on our website.
Over the years we have forged strong connections with many car clubs. This enables us to offer specialist classic car club policies to existing club members.
Please take a look in the useful links section where we have listed some of the clubs’ website addresses, as we are keen to support clubs to grow.
Comparing the Best Classic Policies
At Peter Best Insurance we have long and trusted relationships with many of the UK’s top insurance underwriters. That means, when you ask us for a quotation on your classic car insurance, we can display various quotes from all of these top providers – allowing you to compare quotes and cover options to find the best policy for your specific needs.
By comparing classic car quotes in this way, not only do you get the peace of mind of being able to see and research your insurance underwriter, using our expertise and relationships, you can choose exactly the right cover for you, your budget, your vehicle and circumstances.
Peter Best Classic Car Insurance FAQs
Classic car insurance generally covers accidental damage, fire, theft and third party liability, similar to standard policies, but with features tailored to older or collectible vehicles. These may include agreed value cover, limited mileage terms and specialist repair considerations. Because classic cars are often maintained differently from everyday vehicles, the policy structure reflects this.
Peter Best Insurance Services can help arrange cover that recognises the vehicle’s condition, usage and collector value.
A car is usually considered a classic based on its age, rarity, condition and how it is used, although there is no single definition across all insurers. Many vehicles over 15 to 20 years old may qualify, particularly if they are well maintained and not used for daily driving. Insurers assess each vehicle individually.
Peter Best Insurance Services can help determine whether a vehicle meets classic criteria for specialist cover.
Agreed value insurance allows the owner and insurer to set a fixed value for the vehicle at the start of the policy. If the car is declared a total loss, this agreed figure is used for settlement rather than market value. This is particularly important for classics where condition and provenance affect worth.
Peter Best Insurance Services can help arrange agreed value policies with appropriate supporting evidence.
Classic cars can sometimes be less expensive to insure, but this depends on how they are used and stored. Many are driven less frequently and kept securely, which can reduce risk in the eyes of insurers. However, values, repair costs and parts availability can also influence premiums. Each policy is assessed individually based on the vehicle and owner profile.
Classic car policies are often designed for limited or occasional use rather than daily commuting. Insurers may apply mileage limits or usage restrictions to reflect this. Using a classic vehicle outside these terms could affect cover. It is important to ensure the policy matches how the vehicle will actually be used.
Breakdown cover is not always included as standard with classic car insurance and may be added depending on the policy. Assistance can be particularly important for older vehicles where mechanical issues may be more likely.
Breakdown cover can be added to Peter Best Classic Car Insurance policies as an optional enhancement. Available options include Roadside and Recovery cover, with the ability to add Homestart cover and European breakdown cover for extra protection.
Restored or lightly modified classic cars can usually be insured, provided all changes are declared. Insurers will assess the quality of restoration work, originality and any modifications before confirming cover. Supporting information such as photographs or documentation may be required. Accurate disclosure helps ensure the vehicle is insured on the correct basis.
Storage plays an important role in classic car insurance, as secure garaging can reduce the risk of theft or damage. Insurers often take into account where and how the vehicle is kept when calculating premiums and confirming eligibility.
Keeping the car in a locked garage or specialist storage facility may support more favourable terms.
Some insurers offer multi-vehicle classic policies for owners with more than one car, allowing them to be insured under a single arrangement. This can simplify administration and sometimes provide cost efficiencies. The structure of cover depends on the vehicles involved and how they are used.
Peter Best Insurance Services can help arrange policies for collections or multiple classic vehicles.
Classic car insurance is suited to owners who value their vehicle as a collector’s item or enthusiast car rather than everyday transport. These policies are designed to reflect careful ownership, limited use and the importance of maintaining condition.
Where a vehicle has particular rarity or value, Peter Best Insurance Services can help arrange more tailored protection that reflects those characteristics.
