Classic and Specialist Car Insurance Quote
Find out if you can get cheaper Classic and Specialist Car insurance today.
Classic Car Insurance in the UK Protect Your Timeless Beauty
Welcome to Riviera Insurance, your premier destination for classic car insurance in the UK. We understand the timeless appeal and sentimental value of classic cars, and that’s why we’re dedicated to providing tailored insurance solutions to protect your cherished vehicles. With decades of experience and a passion for classic automobiles, we offer comprehensive cover and unbeatable service. Whether you own a rare vintage gem or a lovingly restored classic, Riviera Insurance is here to safeguard your prized possession with the right insurance cover.
What do I need to get an classic car insurance quote?
Getting a classic car insurance quote with Riviera Insurance is simple. To provide you with an accurate quote, we require the following information:
Vehicle details: Make, model, year of manufacture, and any modifications or restorations.
Your details: Name, contact information, and driving history.
Storage and usage: Details about how you store, use, and drive your classic car.
Additional drivers: Information about any other drivers who may use the vehicle.
Why get classic car insurance with Riviera Insurance?
At Riviera Insurance, we specialise in classic car insurance, which means we have a deep understanding of the unique needs of classic car owners. Here’s why you should choose us:
Tailored cover: Our policies are specifically designed to meet the requirements of classic car enthusiasts, providing comprehensive cover for your valuable investment.
Agreed Value: We offer “agreed value” policies, ensuring you receive the full appraised value of your classic car in the event of a covered total loss.
Experienced Specialists: Our team comprises classic car insurance experts who are passionate about vintage vehicles, providing you with personalised advice and service.
Flexible Usage: We understand that classic cars are not used the same way as daily drivers, so our policies accommodate limited mileage and specific usage requirements.
Quick Claims Process: In the unfortunate event of a claim, we strive to make the process quick, smooth, and stress-free, getting you back on the road as soon as possible.
Don’t just take our word for it. Read what our valued customers have to say about their experiences with Riviera Insurance and our classic car cover.
Protect your classic car with the love and care it deserves. Get a quote today from Riviera Insurance and secure peace of mind for your timeless beauty on wheels.
What is classic car insurance and why do you need it?
Classic car insurance is a specialised insurance policy that provides cover tailored to the unique needs of vintage and classic car owners. Unlike standard auto insurance, classic car insurance takes into account the collectable value and the amount of care that goes into maintaining these cherished vehicles. You need classic car insurance because:
Classic cars are valuable assets that deserve specialised protection against potential risks.
Standard auto insurance may not adequately cover the true value of your classic car in case of a loss.
Classic car insurance often comes with flexible usage options, acknowledging that these vehicles are driven less frequently and with more caution.
What type of classic car insurance do I need?
We offer several types of classic car insurance cover to suit your individual needs, including:
Comprehensive cover: Protects against damage caused by accidents, theft, vandalism, fire, and other perils.
Liability cover: Covers bodily injury and property damage if you’re at fault in an accident.
Uninsured/Underinsured Motorist cover: Protects you if you’re involved in an accident with an uninsured or underinsured driver.
Classic Car Roadside Assistance: Offers assistance if your classic car breaks down while you’re on the road.
Spare Parts cover: Insures the valuable spare parts you keep for your classic car.
How can I get cheaper classic car insurance?
While classic car insurance is designed to provide comprehensive cover for your timeless beauty, there are ways to keep the premiums affordable:
Limited Mileage: If you drive your classic car sparingly, you may qualify for reduced premiums.
Secure Storage: Keeping your classic car in a secure garage or facility can lower the risk of theft or damage, leading to potential discounts.
Safe Driving Record: Maintaining a clean driving history demonstrates responsibility, and insurers may offer better rates to safe drivers.
Membership Discounts: Being a member of a recognised classic car club can lead to exclusive discounts.
Higher Deductibles: Opting for a higher deductible can lower your premium, but ensure you choose an amount you can comfortably afford in case of a claim.
What can affect the classic car insurance price?
Several factors can influence the cost of classic car insurance, such as:
The car’s age, make, and model.
The vehicle’s agreed value.
Your driving history and experience.
Your age and location.
The car’s usage and storage arrangements.
Optional upgrades and add-ons
Riviera Insurance offers a range of optional upgrades and add-ons to enhance your classic car insurance policy. These may include:
Classic Car Restoration cover: Extends cover to include damages that occur during the restoration process.
Spare Parts cover: Insures your valuable spare parts and accessories.
Trip Interruption cover: Provides reimbursement for expenses if your classic car breaks down during a trip.
Agreed Value Guaranteed: Lock in your classic car’s agreed value for an extended period.
Download our FREE app
At Riviera Insurance, we want to help you. That is why we have developed the Riviera Insurance App to help you easily upload documents, view your documents, report claims and much more.
What types of classic car’s can I insure?
We offer classic car insurance for a wide variety of vehicles, including but not limited to:
Exotic and luxury classics
Custom and modified classics
Frequently asked questions
Classic car insurance is specialised auto insurance designed for vintage, collectable, and classic cars. It provides coverage tailored to the unique needs of older vehicles and their owners.
The definition of a classic car can vary between insurance companies, but generally, it includes vehicles that are at least 20 to 25 years old, well-maintained, and of historical interest or collector value.
Classic car insurance differs from regular car insurance in several ways, including agreed-value cover (instead of actual cash value), mileage limitations, use restrictions, and typically lower premiums.
Agreed value cover is a key feature of classic car insurance. It means that, in the event of a covered total loss, you and the insurance company agree upon the car’s value upfront. This avoids depreciation and ensures you receive the agreed amount if the car is deemed a total loss.
Yes, classic car insurance usually comes with mileage restrictions, as these vehicles are often not driven as frequently as regular cars. Mileage limits are typically set annually and can vary between insurance providers.
Classic car insurance typically comes with limitations on how you can use the vehicle. Most policies restrict regular daily use, and the car is expected to be used for pleasure or hobby purposes only.
Yes, most insurance companies will require documentation to determine your classic car’s value. This may include appraisals, photos, receipts of restoration work, or other supporting evidence of its worth.
Yes, some insurance companies allow you to combine multiple classic cars under one policy, which can often lead to cost savings and simplified management.
Insurance providers may have age and driving experience requirements for classic car insurance. Some may require the primary driver to be a certain age (e.g., 25 or older) and have a clean driving record.
Big enough to save, small enough to care.
Our staff are empowered to contact insurance companies and underwriters on your behalf, giving an entirely personal service across the whole UK with no call centres. We take the time to know your insurance needs to offer you the cheapest insurance policy.
With the added benefit of optional cover, options are to suit you and your pocket. So, finding cheap insurance has never been more simple.
If you are local to Torbay, you can even pop in and see us arrange your insurance at our high street office on Union Street in Torquay.