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Specialist American Classic Car Insurance

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Specialist cover for iconic American classics, from muscle cars to cruisers.

  • 90-day EU travel

  • Up to 4 additional named drivers

  • Cherished number plates covered

  • Coverage for UK & EU club tours

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Why choose Ripe for American classic car insurance?

Ripe has been arranging specialist insurance for more than two decades and is backed by an ‘Excellent’ Trustpilot rating and a UK-based customer service team, there to offer support before, during, and after getting insured by Ripe.

  • Quote for your classic in minutes

    Seamless cover built for enthusiasts, with a quote process that only takes a few minutes.

  • Trust built over time

    Ripe has 30 years of specialist and award-winning insurance expertise.

  • Claims handled with care, not shortcuts

    Our team of specialists treat classics with the same passion you do.

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Specialist American classic car insurance by Ripe

Finally owning the American classic car you've always wanted is a dream come true. As it's likely to be a significant financial investment, you may want to consider specialist American classic car insurance.

Ripe arranges specialist insurance for American classic cars that are over 25 years old, which can help provide financial protection if the unexpected happens, whether your car is in storage, on the road, taking part in a regularity rally, or attending a club tour in the UK or EU.

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What does American classic car insurance cover?

With a specialist American classic car insurance policy by Ripe, you can get cover for your car, dismantled parts, cherished number plates, and your personal belongings.

  • Medical expenses (£500 per person)

  • Personal accident benefits

  • Personal belongings (£300)

  • Loss of keys & replacement locks (£500)

  • Child seat cover (£150)

  • Inflatable storage device (£500)

  • Foreign use within the EU (up to 90 days per trip)

  • Club tours in the UK and EU

  • Regularity rallies in the UK

  • Registration plates & cherished number plates (up to £10k)

  • Permanently fitted tracking equipment (up to £500)

  • Dismantled parts & modifications (subject to acceptance)

  • Up to four additional named drivers

  • Towing & national coverage of storage locations

  • Commuting use available (subject to policy limits)

  • Discount for eligible classic car club members

  • Driving other cars

  • Trailers

  • Regularity rallies outside the UK

  • Racing, time trials and similar competitive events

  • Certain modifications

  • Storage in the Channel Islands, Isle of Man and Northern Ireland

  • Commuting over 3,000 miles or beyond the annual mileage limit

For full policy wording and details on what is and isn't covered in a classic car policy, please visit the Important Documents page.

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What types of American classic cars can I get cover for?

Ripe can arrange cover for a wide range of American classic car brands and models, including:

  • Ford Mustang insurance

  • Chevrolet Camaro insurance

  • Dodge Challenger insurance

  • Chevrolet Corvette insurance

  • Cadillac insurance

This list provides just a few examples, so if you can’t see your car listed above, you can find out whether Ripe can arrange cover for your American classic car by getting a quick online quote. If you own a different type of classic car, you can also get cover for modern classics, classic campers, and classic minis by Ripe.

FAQHow old does my car have to be to get American classic car insurance?

A car is often considered a classic, or a modern classic, by the time it reaches 15 years old. Specialist American classic car insurance through Ripe can cover modern classics aged 15-24 and classic cars aged 25+.

Can I insure a modified American classic car?

Insuring your American classic car can include cover for accepted modifications. This may be an important consideration for owners of an American classic car, as some modifications are legally required to drive your car on UK roads.

These can include:

  • Changing the headlight beam direction

  • Separating the rear brake and indicator lights, and changing the indicator lights to an amber bulb

  • Swapping the front-facing parking or side lights from amber to white bulbs

  • Installing a red rear fog light

  • Changing the unit used on the speedometer from kilometres per hour to miles per hour (more common for modern American classic cars)

  • Checking that all of the seats have three-point seatbelts, as some older American classic cars may just have lap belts

You can find more information on bringing an American car to the UK on the UK Government website.

Modern classic car insurance FAQs

  • American classic car insurance by Ripe can cover a range of popular modifications for your classic car. For example, this can include changes to your:

    • Engine: Including big block engine conversions and performance camshafts

    • Transmission: Like converting from automatic to manual or upgrading to an overdrive transmission

    • Suspension: Such as lowering kits and uprated springs

    • Brakes: Can include front disc brake conversions or upgrading to larger brake callipers

    • Wheels: Popular adjustments such as swapping for American Racing or Cragar wheels

    • Interior: Including mods such as upgrading seats, air conditioning, and Bluetooth stereos

  • Yes, you can get cover to use your American classic car for weddings and events as long as it is not for commercial use , including regularity rallies in the UK, club tours in the UK and EU, and foreign use in the EU for up to 90 days per trip.

  • To get an American classic car insurance quote by Ripe, you may be asked to provide the following:

    • Your personal details

    • Driving licence information

    • Details of your motoring and claims history

    • Information about the car you wish to insure, such as engine size, the make and model

    • How you plan to use and where you will store the car

    The fastest way to find out how much your cover could cost is to get an online quote today.

  • The cost of modern classic car insurance by Ripe will vary depending on the type and level of cover you want, and whether you want to include multiple modern classic cars on your policy. The fastest way to find out how much your cover could cost is to get a quick online quote today.

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If you choose to refer your friends to us, not only will we reward you with a £40 voucher of your choice, but your friends could make some great savings too!

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Content reviewed: February 2026

Content reviewed by: Dan Dawson