| If you have an antique or classic car then you know | | | | to drive the car, and realise that that will be a key |
| how lucky you are! Every time you look at it it | | | | factor (along with driving record, your age etc) in |
| makes you feel good, and makes you remember | | | | determining the amount of insurance premiums that |
| exactly what you achieved in order to be able to | | | | you will have to pay. If you drive the car a lot, then |
| own it. There are only a couple of flies in the | | | | expect your premiums to cost you much more. |
| ointment. The first you have already overcome. | | | | The insurance companies tend to have a couple of |
| That's finding, buying and probably restoring the car | | | | different classifications as to what constitutes a |
| to its former glory (unfortunately many antique and | | | | 'classic car'. These tend to fall into the following three |
| classic cars are in 'antique and classic' shape when | | | | time periods. |
| you find them!). The next biggest problem (other | | | | 1934 - 1970 - The car should typically be older than |
| than finding the money to buy it in the first place), is | | | | 15 years to be thought of in the 'classic car' mould. |
| classic car insurance. Because whilst you hope that all | | | | Though obviously, this is a matter of preference for |
| goes well, you have to be prepared for problems | | | | the user ;) But as far as the classic car insurance |
| (even if you don't think they will happen). | | | | company is concerned it is a good yardstick to bear |
| Ok. So you have a problem. Namely that you need | | | | in mind. |
| classic car insurance. You need it now. Where do you | | | | 1903 - 1933 - These are referred to as 'Vintage or |
| turn? Fortunately there is a step by step process to | | | | sometimes 'Antique' Classic Cars. |
| follow to get your classic car insured, safe and feeling | | | | Prior to 1903 - These are called 'Veteran' Cars. They |
| comfortable. And thankfully, in these days of the | | | | are typically very rare, and often one-offs, so expect |
| internet, it need not put you in the poorhouse to | | | | the classic car insurance premiums on these to be |
| achieve your goal of safely meandering the country | | | | somewhat steep. |
| lanes (or wherever you happen to find yourself), in | | | | The important thing to remember though is that |
| your new pride and joy. | | | | there is less choice in the classic car insurance market. |
| The first step is to do a search for classic car | | | | It is simply not offered by as many companies, there |
| insurance online. You will find that most insurance | | | | are more niche players, and so the classic car |
| companies will allow you to drive your classic car for | | | | insurance quotes that you receive may well be less |
| around 5000 miles a year. And this is something | | | | varied then you would get in the general auto |
| worth bearing in mind when you approach insurance | | | | insurance market. |
| companies. You need to know how much you intend | | | | |