Classic Car Insurance Policies
Unlike standard or modern car insurance, our classic car insurance policies often include specific, tailored, policy benefits:
Classic Car Owners Club Member Insurance Discounts
Performance Direct Insurance was founded on enthusiast motoring and we support motor shows and classic car clubs, registers and associations across the UK. As a member of a classic motor club, classic car 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 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.
Laid Up Insurance Cover
Classic vehicles are often 'off the road' or 'laid up'. Whether, as is often the case 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 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. 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.
Limited Mileage Insurance Cover
As is often the case, if you're using your classic car 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.
Modified Classic Car Insurance
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.
Multi Vehicle Insurance
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 car insurance quotes are available from Performance Direct Insurance online and over the phone so, please give us a ring with any queries about the insurance of your classic collection.
Wedding Car Insurance
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).
Experience in all Classic Car Makes and Models
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, 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 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, we also insure American classics, kit cars and imports. In short, we're the UK's first choice for all cheap classic, vintage and cherished car insurance.
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.