Compare classic car insurance quotes from a panel of the UK's most reputable classic car insurers using a single online quote form.
Trusted by collectors and classic car club members for over 30 years, Performance Direct are one of the UK's leading Classic Car Insurance specialists.
Award winning Classic Car Insurance by Performance Direct were founded on a love of insuring classic, vintage, antique and cherished cars and motorcycles.
Click ‘Get a Classic Car Quote’ to compare the UK’s best classic car policies from leading UK insurance specialists.
An old timeless classic Jaguar wows the crowds
Performance Direct specialises in fast, cheap, comprehensive, vintage, collector, cherished and antique car insurance policies.
From classic Jaguar to classic Mini, classic Ferrari to classic Jenson Healey, Performance Direct understand the intricacies of each cherished car and can provide bespoke made to measure policies with agreed valuations to fully protect your classic car if the worst was to happen.
With over 30 year’s experience and well established relationships with underwriters and insurance companies, you can rest assured we have the expertise to ensure you’ll get the perfect cover for your cherished vehicle. We make getting a classic car quote easy!
Performance Direct has an expert panel of top classic car insurance underwriters to ensure our insurance policies provide the cover that’s needed at price that’s always fair. Whatever your want to insure, you can be confident we have an insurance policy that suits your budget and that’s right for your vehicle.
Getting a classic car quote to insure your cherished car does not need to be a tiresome or drawn out process. In recent years thousands of classic car and classic motorcycle owners have switched their insurance policies to Performance Direct and saved!
When you get an online classic car quote from Performance Direct, you just fill in your details once to get a selection of classic car quotes from the UK's leading specialist insurers, helping you to discover the best cherished or classic car insurance cover, bespoke service and the best value policies, please get in touch. Click for an online quote or give our team a ring today.
Unlike standard or modern car insurance, our classic car insurance policies for cars and motorcycles often include specific, tailored, policy benefits:
As a member of a classic car club, classic car and classic motorcycle owners can receive a discount of up to 15% on their classic vehicle insurance premiums (discounts vary and are subject to underwriting criteria so please ask when you contact us).
Performance Direct Insurance was founded on enthusiast motoring, we support motor shows and vintage and classic car clubs, registers and associations across the UK.
Many of our specialist motor insurance schemes allow classic car, classic motorcycle and vintage car and motorcycle owners to purchase an 'agreed value' option 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 classic 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 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 'off the road' 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 motorcycle as a second vehicle it's likely your annual mileage will be limited. Performance Direct Insurance offers considerable discounts for limited mileage classic car cover – the biggest insurance discounts are available for annual mileages of less than 3000 miles p.a. but we can offer many different limited mileage limits as well as unlimited mileage classic car or motorcycle insurance too.
If you are 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 classic 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 or bike.
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 collection. Cheap collectors and classic multi vehicle car insurance quotes are available from Performance Direct online and over the phone so, please give us a ring with any queries about insuring your classic collection
We insure many classic wedding vehicles throughout the UK so, if you're considering using your classic or vintage 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.
The UK government definition of a classic car is described as being older than 15 years and valued at £15000 or more, however different insurers have their own definitions as to what constitutes a classic vehicle. Performance Direct have excellent relationships with the UK's top classic car insurers and underwriters and is even able to offer a bespoke policy personalised to suit your specific classic car and insurance requirements, whether or not you own a modern or vintage classic.
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 for Classic cars. https://www.dft.gov.uk/classic-mot/.
Protected No Claims Bonus for Cherished Classic Cars
A way to safeguard your no claims discount is to pay an additional amount on top of your classic or cherished car insurance to protect it. This means that even if you were to make a claim, yours no claims bonus would stay intact.
No claims discount protection does not protect the overall price of your insurance policy. The price of your classic or vintage car insurance policy may increase following an accident even if you were not at fault.
No claims discount protection allows you to make one or more claims before your number of no claims bonus years falls. Please see the step-back procedure for details.
If you are involved in a motor vehicle accident where the other driver is identifiable and is also at fault, our Motor Legal Expense policy will give you a stress-free service to recover your uninsured losses. This service will give full management of your claim from start to finish together with legal advice available 24 hours a day.
What’s included? + More information:
Breaking down during the course of a journey or the failure of your vehicle to start outside your home could result in the unexpected expense of paying for assistance. To avoid such cost and frustration, we recommend our Award Winning Breakdown Service offering varying levels of cover to suit your needs.
Roadside (Assistance and Recovery) + More information:
UK Roadside Assistance:
UK Classic Car Roadside Recovery:
All the benefits of UK Roadside Assistance plus:
Homestart (Assistance) + More information:
All the benefits of Roadside Assistance and UK Recovery plus
European (Assistance and Recovery) + More information:
European Assistance and Recovery:
All the benefits of UK Recovery & Home Assist plus:
If you are insuring a classic car, there are five clear reasons to choose Performance Direct Insurance:
1We're an award winning independent insurance broker with a 30 year history and a loyal dedicated team all based in our offices in Essex. With over a hundred members of staff we're big enough to count, but small enough to care.
2Because we're independent, we search the classic vehicle insurance market to get you the best motor policy - from third party policies to fully comprehensive cover. Whenever you ask for a new or renewal quote, we search a panel of up to 100 leading UK classic, cherished and vintage underwriters to ensure you get the best, up to the minute market rate and the best, cheap classic cover.
3If you need to make a claim, because we're completely independent, we work with you not against you to sort everything out. Whether you need to arrange a hire car or a new windscreen, our claims service is available 24 hours a day, 365 days a year.
4The people who work at Performance Direct are insurance professionals but they're also classic and vintage car enthusiasts who relish a challenge or an unusual insurance conundrum - we don't employ call center sales staff who are only interested in the next sale.
5We're open 7 days a week and our free online quote engine for UK classic insurance is the best, quickest and most advanced we know of (and we've done a lot of checking!).
Whatever classic vehicle you own, you can trust Performance Direct.
Getting an online quote from Performance Direct has never been easier, you simply fill in your details once to recieve quotes from the UK's leading insurers and underwriters. If you have any questions regarding insurance for your cherished vehicle, do not hesitate to get in touch.
Most classic cars are meticolously cared for, often kept in a garage or under cover and are driven less than a couple of thousands of miles per year. These factors are taken into account by insurers which is why insuring a classic car is often a lot cheaper than insuring a regular 'everyday car'.
Belonging to a classic car club can result in discounts on insurance premiums. One classic Porsche 911 owner saved over £1000 off his excess limit thanks to his Classic Porsche Club membership, Performance Direct is a classic vehicle specialist insurer providing award winning classic car and motorcycle policies for over 30 years and has excellent relationships with classic car clubs with made to measure policies and money saving schemes to provide comprehensive policies for classic vehicles.