Classic Car Insurance Policies
Unlike standard or modern car insurance, our classic car insurance and classic motorcycle insurance policies often include specific, tailored, policy benefits:
Performance Direct Insurance was founded on enthusiast motoring and we support motor shows and vintage and classic car clubs, registers and associations across the UK. As a member of a classic motor club, classic car and classic motorcycle owners can receive up to 15% off the cost of their classic insurance premiums (discounts vary and are subject to underwriting criteria so please ask when you contact us).
Many of our specialist car insurance schemes allow classic car, classic motorcycle and vintage car and vintage motorcycle owners to purchase an 'agreed value' 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 vehicle.
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 classic 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 classic car but without the need for an on the road insurance policy.
As is often the case, if you're using your classic car or classic motorcycle or as a second vehicle it's likely your annual mileage will be limited. Performance Direct Insurance offers considerable discounts for limited mileage cover – the biggest insurance discounts are available for annual mileages of less than 3000 miles pa but we can offer many different limited mileage limits as well as unlimited mileage classic car insurance too.
If you're 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 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.
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 collections. Cheap collectors and classic multi vehicle car insurance quotes are available from Performance Direct Classic Car Insurance Insurance online and over the phone so, please give us a ring with any queries about the insurance of your classic collection.
We insure many Wedding Vehicles throughout the UK so, if you're considering using your classic 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).
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.
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. http://www.dft.gov.uk/classic-mot/
Why Choose Performance Direct Insurance For Your
As will be clear from reading this information, Performance Direct is a leading specialist classic car insurance broker. For classic motorcycle insurance, classic motorbike insurance, vintage motorcycle insurance, cover for vintage and cherished cars (from mini coopers, to classic fords, Austin Healy and many more collectors and replica cars) we are the one stop motoring enthusiasts' specialist insurer.
At Performance Direct we’re motoring enthusiasts with years and years of experience, attending classic car shows and classic car clubs, meeting classic car drivers and ensuring our specialised policies meet their needs. So, whether you’re looking for vintage motor insurance, collectors multi vehicle insurance, classic motorcycle insurance, please give us a ring or go on line for a specialist classic vehicle insurance quote.
Quite simply, at Performance Direct we love old cars and old bikes! Vintage motors are our bread and butter. Over the years, we’ve insured many hundreds of classic and vintage motorcycles and motors, and become well known among motoring enthusiasts. Whatever specialised classic vehicle insurance you’re looking for, come to the experts.
We look forward to hearing from you.
To find out more about Performance Direct give our Classic Insurance specialist team a ring today or click for an online classic car insurance quote.