Coronavirus (COVID-19) update

Last updated: 27th March 2020

Following the Government’s announcement asking everyone to stay at home, we’re making some changes to the way we work to make sure we’re looking after our people and our customers. We’re setting up as many of our colleagues as possible to work from home, but this will take a few days.

In the short-term, we’re only accepting new business online. That means new customers can’t buy insurance over the phone.

Existing customers: Please don’t phone unless it’s absolutely necessary.

We need to prioritise:

  • Customers who have an urgent claim, for example your car is undrivable following an accident, you are injured, or your home is uninhabitable.
  • Customers who can’t pay now as a result of the Coronavirus pandemic, call us - we want to help you.

If you have questions about your renewal or want to make a change to your policy, you can use our virtual assistant. If your policy is due to renew in the next week and you haven’t opted for auto-renewal, please call us. If you have opted for auto-renewal, please make sure your insurance still meets your needs.

For more information and frequently asked questions about COVID-19, go to our Coronavirus help and support page.

Classic car insurance

If you own a classic car you’ll want to take care of it and keep it in great condition. Classic and vintage owners tend to take their cars pretty seriously and they understand how important maintenance is.

Good quality replacement parts can be expensive and difficult to track down, particularly for older vehicles. But with the right kind of cover you can enjoy driving in the knowledge that you’re insured against risks and potential costs.

What’s covered?

Classic and vintage cars tend to be driven less often than modern cars. This means basic premiums for these vehicles can often be lower. However, you might need to pay for additional cover, like breakdown, legal expenses and a replacement vehicle if needed, separately.

You may also want to get an ‘agreed valuation’, so that if the car is written off you will receive a set guaranteed payout.

Some of the factors that can influence a classic car premium are:

  • a car’s age
  • make and model
  • engine size
  • miles on the clock

But, insurance coverage and premiums vary from policy to policy. Some insurers might require your classic car to be a second car, or for it to be of a certain age, for example. And some may allow you to drive your car in rallies.

What about a No Claim Discount?

In general, classic car insurance premiums do not have a no claim bonus or discount component. This means it’s even more important to make sure you find a competitive provider, and to review your insurance from time to time.

And remember, you may be able to negotiate a cheaper premium if you keep your car in a garage or otherwise secure area, or by choosing a limited mileage policy.

How can I get a classic car insurance quote?

It’s easy to get a quote for classic car insurance online. You’ll just need to give a few details to get an idea of what you’ll need to pay.

And if you’re member of a classic car enthusiasts’ club, your club may have a relationship with an insurer who can offer you a discount on your cover.