For those who want to test what their classic car can do, track day or rally cover can also be available on some policies. Some insurers offer special policies that cover wedding hire use. From the traditional Rolls Royce to more unusual alternatives, wedding car hire can be big business for classic car owners. If you participate in car club events you need to think about the amount of liability you may incur. By getting the right policy you can save money. Whether your classic car is a project, hobby, for special outings or for use as your main motor, there are insurance policies to suit. This will give you added peace of mind that you will be paid the certified value of the vehicle (less the policy excess) as opposed to the current market value. Agreed value cover means the insurer will assess your car and agree cover for its true value, so you won’t get a nasty surprise if you need to make a claim. Many insurers will only pay out the market value of your classic car if you suffer a total loss. The term ‘classic car’ doesn’t necessarily mean that the vehicle has to be expensive, but it is still important to get the right level of cover. Things to think about when insuring your classic car Let us know what you think in the comments below. Classic – a matter of opinion, often based on the car’s style, production numbers or critical reception, but ‘classics’ can include some cars as young as five years oldĪs with many subjects in the classic car scene, opinions on these definitions and categories differ depending on who you ask.Post vintage – any vehicle built between 19.Vintage – any vehicle built before 1930.

Here’s a quick list to help define the different categories of classic: Different categories of classicĭefining what constitutes a classic car is one thing, but what makes a car a ‘classic’ as opposed to vintage or veteran? Trying to understand the world of classics can be a complex yet fascinating task. Read our guide for more information about the rules regarding MOT exemptions for classic cars. For example, replacing the chassis, body, axles or engine to change the way the vehicle works. In fact, the Department for Transport (DfT) announced that as of May 2018, you do not need to get an MOT if the vehicle was built or first registered more than 40 years ago and no ‘substantial changes’ have been made to it in the last 30 years.Ī ‘substantial change’ refers to any vehicle alterations in which the technical characteristics of the main components have changed within the last 30 years. MOT exemption for classic carsĪs well as being exempt from paying tax, vehicles over a certain age are also exempt from requiring an MOT. However, you must still tax your vehicle even if you do not have to pay. In short, any car that’s aged 40 years or older is considered to be a classic car, or in official terms, a ‘historic vehicle’. For example, if your car was built before 1 January 1980, you are legally exempt from paying vehicle tax (correct at the time of writing). This means that from 1 April each year, vehicles manufactured more than 40 years before 1 January of that year are automatically exempt from paying road tax. Tax exemptions for classic cars are rolling, based on a 40-year scale. While the definition of what makes a car a classic can vary, the status of a classic car in terms of tax exemption is much more specific. How old does a car have to be to be tax exempt? This is why it is important to find an insurance policy that fits within their specific requirements. They’re not like everyday, ‘normal’ cars, similarly to the way in which classic car owners are not like other motorists. Instead, we offer a broader classic car definition, which for us, can include some cars as young as five years old.Ĭlassic cars have a large and enthusiastic following around the world. However, what constitutes a classic car from an insurance perspective can vary between providers.Īt Adrian Flux, we understand that one size does not fit all. According to HMRC, a ‘classic car’ is defined as a car that is older than 15 years with a value of £15,000 or more.

Old classic vintage scene