Classic Car Breakdown Cover

Key takeaways

• Classic car breakdown cover comes in two main types: personal policies, which cover you regardless of the vehicle you're driving, and vehicle-specific policies.

• For classic car owners planning trips abroad, European breakdown cover is available. You can choose between annual policies for frequent travelers or single-trip policies.

• When applying for coverage, you'll need to provide details about your vehicle and personal information and select your preferred coverage options and locations.

The romance of cruising down the road in a classic car is unmatched. There's something about the purr of an old engine and the unique style of vintage vehicles that ignites a blend of passion and nostalgia.

But as any classic car enthusiast knows, these beautiful machines require a little extra TLC to keep them running smoothly.

Beyond regular maintenance and care, securing the right breakdown cover is essential for those unexpected hiccups that can happen on the road. After all, the goal is to enjoy the journey, not be stalled by the wayside.

Types of classic car breakdown cover

When choosing breakdown cover for your vintage vehicle, the first thing you’ll need to decide is whether to go for a personal or vehicle-specific classic car breakdown cover policy.

The type you decide to go for will depend entirely on your personal circumstances. Some drivers may find that one option offers benefits that align more closely with their driving habits, while others may prioritise flexibility or cost-effectiveness.

Personal policy

A personal policy is a form of cover that protects you, the driver, no matter which vehicle you're driving. This is particularly beneficial if you're the proud owner of multiple cars and want to ensure that you're covered in every situation.

Whether you're behind the wheel of your classic beauty or a modern run-around, a personal policy offers peace of mind that you're protected.

Vehicle policy

On the flip side, a vehicle policy is tailored to one specific car. If your classic car is your pride and joy, but it's not just you who takes it out for a spin, this might be the ideal option.

This type of policy ensures that anyone driving your classic car is covered, making it perfect for vehicles that are shared among several enthusiasts or family members.

Levels of breakdown cover

The level of cover you choose for your classic car will influence not only the cost but also the range of services provided.

It's important to consider how much protection you need against potential breakdowns and what kind of services would be most beneficial for your classic car adventures.

Roadside assistance

Roadside Assistance is the most basic level of cover, providing help on the spot or towing to the nearest garage if the issue can't be fixed there and then.

However, be aware that some policies may have limits on towing distance, which could mean additional costs if you're far from home.

National breakdown cover

For those who love to take their classic cars on tours across the UK, National breakdown cover is an excellent upgrade.

This level of cover ensures that if a breakdown occurs, you, your car, and any passengers can be transported to any destination of your choice within the country, providing greater flexibility and reassurance.

Home start cover

Home start cover is a lifesaver for those mornings when your classic car refuses to start in your own driveway. This service offers immediate assistance at home, so you don't have to worry about getting your vehicle to a garage on your own.

Onward travel

Onward Travel is the most comprehensive option, offering additional benefits like a courtesy car, accommodation, or coverage for public transport costs if your car can't be fixed promptly.

It's important to read the terms of this cover carefully, as the specifics can vary significantly from one policy to another.

Classic car European breakdown cover

If you’re planning on taking your car for a spin abroad, there is even more reason to make sure you organise insurance, such as a European breakdown cover policy.

The challenges of dealing with a breakdown in a foreign country can be daunting, with unfamiliar roads and potential language barriers. Having the right cover in place ensures that you can enjoy a worry-free trip with your vintage vehicle.

Types of European policies

Again you’ll need to decide what type of policy you need. You can either opt for an annual policy if you are a frequent traveler, which will cover you for multiple trips throughout the year.

Or go for a single-trip European breakdown cover policy, which is a more cost-effective option for just one journey.

Policy coverage

When selecting your European policy, make sure it covers all the countries you plan to visit. Some policies labelled as 'European' may only cover EU countries, so it's crucial to check the details to avoid any surprises during your travels.

Is my vintage car too old for breakdown insurance?

A common concern among classic car owners is whether their vehicle is too old to qualify for breakdown insurance.

While many insurers have a cut-off at 20 years, specialised classic car breakdown cover is available for vehicles of any age. However, be prepared that the premium may be higher for particularly ancient autos.

What information do I need when applying for insurance?

When you're ready to get a quote for breakdown cover, you'll need to provide some basic information. This includes details about your vehicle, such as its age, make, and model, as well as personal information like your name and address.

You'll also need to specify your insurance preferences, including the duration of the cover and the locations where you'll need it.

Get tailored quotes on car breakdown cover

Ensuring that you have comprehensive cover for your classic car is about more than just fulfilling a requirement—it's about guaranteeing peace of mind and stress-free driving.

With the right breakdown cover in place, you can focus on the joy of the journey, secure in the knowledge that help is at hand if you need it.

Classic car owners, it's time to secure your piece of history. Use MoneySuperMarket to compare quotes from UK insurers and find deals on insurance that's tailored to the unique needs of classic cars.

Get covered today and drive with confidence, knowing that your vintage vehicle is always road-ready.