Classic Car Insurance

Award winning Classic Car Insurance by Performance Direct were founded on a love of insuring classic, vintage, antique and cherished cars and motorcycles.

Click ‘Get a Classic Car Quote’ to compare the UK’s best classic car policies from leading UK insurance specialists.

Specialist Classic insurance for Vintage, Cherished, and Antique cars

Classic and Vintage Car Insurance Quotes

Specialist Insurance For Classic Vehicles

Classic Car Club Members Discounts

Agreed Valuations

Laid Up Insurance Cover

Limited Mileage Cover

Modified Classic Car Policies

Insurance For Classic Car Collectors

Wedding Car Insurance

We Insure all Classic Cars!

What is a Classic Car?

Classic car Jaguar MkIIAn old timeless classic Jaguar wows the crowds

Specialist Classic, Vintage, Cherished, and Antique Motor Insurance

Performance Direct specialises in fast, cheap, comprehensive, vintage, collector, cherished and antique car insurance policies.

From classic Jaguar to classic Mini, classic Ferrari to classic Jenson Healey, Performance Direct understand the intricacies of each cherished car and can provide bespoke made to measure policies with agreed valuations to fully protect your classic car if the worst was to happen.

With over 30 year’s experience and well established relationships with underwriters and insurance companies, you can rest assured we have the expertise to ensure you’ll get the perfect cover for your cherished vehicle. We make getting a classic car quote easy!

Performance Direct has an expert panel of top classic car insurance underwriters to ensure our insurance policies provide the cover that’s needed at price that’s always fair. Whatever your want to insure, you can be confident we have an insurance policy that suits your budget and that’s right for your vehicle.

Online Classic and Vintage Car Insurance Quotes

Getting a classic car quote to insure your cherished car does not need to be a tiresome or drawn out process. In recent years thousands of classic car and classic motorcycle owners have switched their insurance policies to Performance Direct and saved!

When you get an online classic car quote from Performance Direct, you just fill in your details once to get a selection of classic car quotes from the UK’s leading specialist insurers, helping you to discover the best cherished or classic car insurance cover, bespoke service and the best value policies, please get in touch. Click for an online quote or give our team a ring today.

Specialist Classic Vehicle Insurance

Unlike standard or modern car insurance, our classic car insurance policies for cars and motorcycles often include specific, tailored, policy benefits:

  • Classic Car Owners Club Member Insurance Discounts
  • Agreed Valuations
  • Laid Up Insurance Cover
  • Limited Mileage Insurance Cover
  • Modified Classic Car Insurance
  • Collectors Multi Vehicle Insurance
  • Wedding Car Insurance
  • Experience in all Classic Car Makes and Models

Discounts For Classic Car Club Members

As a member of a classic car club, classic car and classic motorcycle owners can receive a discount of up to 15% on their classic vehicle insurance premiums (discounts vary and are subject to underwriting criteria so please ask when you contact us).

Performance Direct Insurance was founded on enthusiast motoring, we support motor shows and vintage and classic car clubs, registers and associations across the UK.

Agreed Valuations

Many of our specialist motor insurance schemes allow classic car, classic motorcycle and vintage car and motorcycle owners to purchase an ‘agreed value’ option with their insurance – so you know that this is the exact value you will be paid out for your vehicle if an accident or claim results in a total loss. Minus any policy excess, you will be paid your agreed value regardless of the current market value of your classic vehicle.

Laid Up Insurance Cover

Classic vehicles, vintage cars and vintage motorcycles are often ‘off the road’ or ‘laid up’. Whether, as is often these with convertibles, they’re garaged up for the winter, off the road for restoration or for repairs, the much-talked-about government ‘Continuous Insurance Enforcement Scheme’ means that all cars in the UK not declared ‘SORN’ (Statutory Off Road Notice) need valid car insurance cover.

For many classic car and motorcycle owners this is a considerable inconvenience and it is why our Laid Up Insurance for classic cars policies are now proving so popular among classic car drivers and motoring enthusiasts. Created for the specific needs of car enthusiasts and those with car collections, laid up insurance allows owners to retain cover for accidental damage, fire and theft for your ‘off the road’ classic car but without the need for an on-the-road insurance policy.

Limited Mileage Cover

As is often the case, if you’re using your classic car or motorcycle as a second vehicle it’s likely your annual mileage will be limited. Performance Direct Insurance offers considerable discounts for limited mileage classic car cover – the biggest insurance discounts are available for annual mileages of less than 3000 miles p.a. but we can offer many different limited mileage limits as well as unlimited mileage classic car or motorcycle insurance too.

Modified Classic Car Policies

If you are a modified car enthusiast you may well know Performance Direct Insurance as we’ve been involved in the modified car insurance market for many years. It’s certainly not uncommon during repairs and restorations for owners to use non standard parts and thereby, to modify their car from its original factory specification. In this case they may also improve the performance of the vehicle and, possibly, affect its value.

At Performance Direct Insurance, we’re used to dealing with non-standard classic vehicles and modifications so, as long as you keep us fully informed, we’ll strive to deliver cheap car insurance for any modified classic car or bike.

Insurance For Classic Car Collectors

If you own several or multiple classic, cherished or vintage vehicles, multi classic car cover may be the best and cheapest way to insure your collection. Cheap collectors and classic multi vehicle car insurance quotes are available from Performance Direct online and over the phone so, please give us a ring with any queries about insuring your classic collection

Wedding Car Insurance

We insure many classic wedding vehicles throughout the UK so, if you’re considering using your classic or vintage car for a chauffeured wedding or special event service, please let us know and we’ll make sure you’re covered. For more details, please give a ring and ask about our specialist insurance cover for wedding vehicles.

We can also offer the following extensions to your classic car cover: breakdown and recovery, car hire, key cover, legal and personal accident cover plus agree value policies, track cover and wedding hire cover. In addition we can arrange classic track day cover, time trial and rally cover and multiple driver insurance policies (all subject to underwriting criteria).

We Insure all Classic Cars!

Performance Direct Insurance provides cherished car insurance and classic car cover throughout the UK. A quick look though our books reveals classic MG and MGBs, Morris Minor, Mini Cooper, Austin Healy, Classic Porsche (we cover all types of classic sports cars including classic British marques like Lotus, Triumph and TVR plus Italian Ferraris and classic sports Maseratis), lots of classic VWs (including many classic Beetles and classic Camper Vans). We also cover many other old car types – classic BMW and Mercedes models, Classic Ford, Mini, Rover, Jaguar and many more.

We’re also increasingly asked to provide car insurance for utilitarian vehicles – classic 4x4s, motor homes, classic tractors, as well as Landrovers, Range Rovers and classic light commercial vehicles and vans.

As well as all types of British Classics like the Mini Cooper and Austin Healy, we also insure American classics, classic Fords, kit cars and imports. In short, we’re the UK’s first choice for all cheap classic, vintage and cherished car insurance, classic motorcycle insurance and vintage motorcycle insurance.

What is a classic car?

The UK government definition of a classic car is described as being older than 15 years and valued at £15000 or more, however different insurers have their own definitions as to what constitutes a classic vehicle. Performance Direct have excellent relationships with the UK’s top classic car insurers and underwriters and is even able to offer a bespoke policy personalised to suit your specific classic car and insurance requirements, whether or not you own a modern or vintage classic.

Helpful Information

In Great Britain all vehicles manufactured before 1960 are exempt from regular road-worthiness testing – MOT testing. However, a recent European Union Directive threatened to change the rules around this meaning that, to be exempt from testing vintage motorcycles, vintage cars and vintage motorcycles would need to be at least 30 years old and haven’t had substantial changes made to them.This means that, if we wish to continue to exempt classic vehicles from regular testing, we’ll need to update UK law to reflect EU law for Classic cars. https://www.dft.gov.uk/classic-mot/.

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