Classic Car Insurance Tailor Made

A Tailor Made Policy To Cover YOUR Classic Car

As an expert classic car insurance broker with experienced staff who truly understand and appreciate classic vehicles, we pride ourselves on offering our clients truly outstanding classic car insurance cover

From the most popular to the rarest of classic cars, Tollgate Private Clients offers all- encompassing classic car insurance policies tailored around our clients and their vehicles.

As a leading classic car insurance broker, we have access to the UK’s elite insurance underwriters, providing bespoke policies and guaranteeing you the finest cover for your beloved classic car.

Having worked closely with motoring enthusiasts over many years we truly understand the classic car insurance requirements of our clientele. Our dedicated classic car insurance team is here to help you on every step of your journey ensuring complete peace of mind for you and your cherished vehicle

Classic Car Insurance Defined

On numerous occasions we have been asked what determines a classic car policy. The answer is relatively straightforward but ultimately depends on various risk factors and satisfying a specific insurance provider’s requirements.

The major factors are the age of the classic car, collectability of the classic car, use of the car, driving history of the owners/drivers, classic car value and location of where the classic car is kept.
If, for example, you own a twenty-year-old C-Class Mercedes Benz and are using it as your everyday car, you will almost certainly not qualify for classic car insurance. Whereas a 40-year-old MGB owned as a second car, doing less than 5000 miles a year and kept in your garage at home would almost certainly qualify for one of our classic car insurance policies.

Every Tollgate Private Client’s classic car insurance will vary. No two insurance policies will ever be the same which is why all our classic car insurance policies are bespoke

Differences between classic car insurance and everyday car Insurance

There are many factors differentiating the two policy types. Classic car policies often offer an Agreed Value on the vehicle. In the event of a claim or a total loss on the vehicle, whether fault or non-fault, the valuation agreed by the insurer is paid in full (less any policy excess). With an everyday insurance policy the owner would only receive the current market value.

Discounts are offered on classic car policies for factors such as limited mileage, membership of a bona fide UK car club, frequency of use and length of ownership.

Premiums for classic car policies are therefore commonly much lower than those for everyday car policies… and rightly so. Discounts are also often applied where an owner owns more than one classic car or perhaps a collection.
Insurers are very aware that if there are more cars than drivers this will reduce the risk of a claim on any one vehicle.

Classic Car Collections

Many of our existing classic car owners are fortunate enough to own more than one classic car or collectable vehicle. Some may own several of the same make – vehicles such as classic Jaguars or Classic MG’s – whilst others may own an eclectic mix of staple classics, such as a Triumph Spitfire, together with classic supercars such as Porsche and Ferrari.

At Tollgate Private Clients we can also provide a specialist valuation service for your collections of classic vehicles and equipment and can arrange cover for Off Road and Laid Up vehicles, or any vehicles or machinery which are undergoing restoration.

In terms of classic collections, we cover all manner of vehicles including historic motor sport, classic motorcycles, military, commercial and steam vehicles. Please click on the link for more information on the services we offer for classic car collections

Modified classic car insurance

As times change so do the needs of the classic car owner. In order to adapt to travelling on Britain’s hectic roads, classic car owners may modify aspects of their vehicles to create a safer driving experience.

Such modifications might include upgrades to braking systems, enhancing a vehicle’s performance, tyre and wheel modifications, electrical wiring changes including installation of an electronic ignition.

External accessories may also be upgraded, such as indicators or spot lamps. But, whatever your modifications, our classic car insurance policies will have you covered. Make sure you let us know about any classic car vehicle modifications you may have made.

As a company we have year’s of experience in insuring modified and specialist vehicles so you are in good hands.

Why Choose Tollgate Private Clients

At Tollgate Private Clients, classic cars are our specialty. We’re enthusiasts who understand and appreciate classic motoring and utilise our experience whilst looking after our client’s most cherished vehicles.

Many of our policies come with gold standard Roadside and Home Start recovery cover should you ever need it.

Please speak with our expert classic car insurance team to discuss your classic vehicle insurance requirements.