Classic Cars
Cars over thirty years old whose value often depends as much on their history and condition as on the model itself.
Specialist Expertise
Classic & Exceptional Cars
Some cars are defined by their value. Others by their history.
Classic cars, modern classics, limited editions and exceptional vehicles cannot always be assessed simply by their age or conventional market value.
Rarity, specification, provenance, restoration, condition and market trends can all call for a different approach to conventional motor insurance.
01
It starts with value.
For a distinctive car, value does not always follow the usual benchmarks of the mainstream motor market.
A rare specification, documented history, the quality of a restoration or changing market conditions can significantly influence its true value.
Establishing the right value is therefore the starting point for putting the right protection in place.
02
When damage occurs, how it is repaired matters too.
For a rare car, how damage is repaired can be almost as important as the cost of the repair itself.
The choice of specialist repairer, the expertise required, the availability of parts and the preservation of the car’s authenticity can all have a direct bearing on its condition and value.
03
Exceptional cars come in many forms.
Modern Classics
More recent cars that have already developed a particular appeal through their rarity, specification or growing interest among collectors.
Exceptional Vehicles
Limited editions, rare models and high-value cars that may warrant an individual assessment, even when relatively new.
04
An exceptional car needs protection beyond the road.
Transport, restoration, exhibitions, gatherings and touring rallies can all form part of owning and enjoying a classic or exceptional car.
Each exposes the vehicle to risk in a different way and should be reflected in how it is protected.
The aim is for the cover to reflect not only the vehicle itself, but also how it is stored, transported and used.
05
A collection evolves over time.
A collection rarely stands still. New cars may be acquired, others sold or restored, while values can change over time.
Where a collection includes several cars, it can make sense to consider it as a whole rather than simply as a series of vehicles insured individually.
Do your cars deserve a different approach?
A few details about the vehicles, their history, value and condition, how they are used and where they are kept are usually enough for an initial assessment.