Classic Car Insurance

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Allowing you to compare a range of Classic Car Insurance quotes in minutes, Performance Direct is one of the UK’s leading independent car insurance brokers.

Clients choose us because we search the whole market, providing a selection of the best value classic car insurance policies from the leading UK classic and vintage vehicle insurance underwriters. All in less than three minutes.

Using our website, Apps, and range of convenient facilities, including LIVE CHAT, Performance Direct policies are easy to organise and manage too.

Performance Direct has provided excellent value car insurance cover since 1995 and we provide a full range of policies – from comprehensive to third-party cover, limited mileage policies, and specialist cover – to thousands of drivers across the UK.

For the finest service, the best online classic car insurance quotes, and an experienced, expert team, choose Performance Direct.

We are proud to be a Chartered Insurance Broker. Only around 5% of the UK’s broking firms achieve this prestigious status. Also, we have been a BIBA Member since 2007, the UK’s leading general insurance intermediary organisation representing the interests of insurance brokers, intermediaries, and their customers.

We provide insurance services to UK residents only.

Rated as excellent on Trustpilot with over 14,000+ reviews

Benefits of our Insurance Policies

  • FREE legal cover

  • Uninsured driver protection

  • Payment options

  • 24 hour claims service

  • UK call centres

  • 2nd car discount

  • Fraud fighting technology

Why choose Performance Direct?

We search our panel of leading underwriters to find you the best policy

  1. The latest digital systems. Our customers enjoy all the advantages of the digital world. We offer excellent web and app-based insurance services, including a fast, easy-to-use quote engine, and automated customer services allowing hassle-free access to documents and information.

  2. The peace of mind of a Chartered Broker. Everything we do is backed by a team of skilled, experienced insurance professionals. We’re a Chartered Insurance Broker, a family company with a proud 40-year history, so we’re bound by a personal and professional code to deliver the best service for our clients.

  1. We’re independent. Because we’re not tied to any brand or product, we can search the car insurance market to get you the best policies­—from third party policies to fully comprehensive cover. Whenever you ask for a new or a renewal quote, our systems search a panel of up to 100 leading UK underwriters to ensure you get the lowest price and the best policy.

  2. We’re on your side. If you need to make a claim, because we’re completely independent, we work with you to sort everything out and to make sure your claim is paid. Whether you need to sort out a hire car or a new windscreen, our claims service is available 24 hours a day, 365 days a year. 

  3. Here for you. Your Online Insurance Account, support features, and on-line quotations are available 24/7, and our office is open 6 days a week.

Combining the advantages of the latest technology with real world experience, Performance Direct promises the lowest prices with the most efficient service.

Classic Car insurance optional extras

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, your no claims bonus would stay intact.

Important information:

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.

Breakdown Cover

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.

What’s included?

Roadside (Assistance and Recovery)

Homestart (Assistance)

European (Assistance and Recovery)

Performance Direct, for all your insurance needs

Specialist Classic, Vintage, Cherished, and Antique Motor Insurance

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.

Online Classic and Vintage Car Insurance Quotes

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.

Discounts For Classic Car Club Members

As a member of a classic car club, classic car and classic motorcycle owners can receive a discount of up to 10% 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.

Agreed Valuations

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.

Laid Up Insurance Cover

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.

Limited Mileage Cover

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.

Modified Classic Car Policies

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.

Insurance For Classic Car Collectors

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. 

Wedding Car Insurance

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).

We Insure a wide range of Classic Cars

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 FordMini, 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 classicsclassic 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.

What is a classic car?

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.

Speak to the Performance Direct Classic Vehicle Insurance Team

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'.

Classic Car Club Discounts

Belonging to a classic car club can result in discounts on insurance premiums. 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.