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Ripe Classic Car Insurance Frequently Asked Questions

Explore the Ripe Classic Car Insurance FAQs below. If you are looking to get in touch, please visit our product support centre.

Payments & Premium Credit

  • Premium Credit is the leading premium finance company in the UK and Ireland.

    When you choose to pay for your insurance policy with us on a monthly basis, your credit agreement will be provided by Premium Credit.

    Please note: A credit search will be carried out which will leave a footprint. Interest charges apply.

Claims & What to Do

  • Contact the claims helpline as soon as possible and take photographs of any damage to the vehicles, where safe to do so.

    Don't apologise or admit that it was your fault.

    Make sure to take the other person's details, including:

    • Their name, address and contact number

    • The registration number and make and model of their vehicle

    • Their insurer’s name and policy number

    Take photos of:

    • Any damage to their vehicle

    • Any damage to your own vehicle

    • The scene of the accident, as long as it is safe to do so

    Make a note of:

    • Any injuries to anyone involved

    • The number of passengers in the other vehicle

    • The name, address and contact number of any witnesses

    • The name and contact number of any police officer who attends the scene of the accident

    • Any unusual behaviour from the other person and the direction they take when they leave the scene

  • Report the theft to the police and obtain a crime reference number.

  • Claims and Windscreen helpline – 0330 123 5992

    Call this number if You need to report an accident, fire, theft or windscreen claim (if applicable)

    We’re open 24 hours a day, 365 days a year. Our expert staff will take down the details and help You get back on the Road as soon as possible.

    If Your claim is due to theft, attempted theft, malicious damage or vandalism, You must also notify the Police and obtain a crime reference number.

  • The insurer will determine the market value and offer a settlement.

  • Yes, under comprehensive cover only. Separate excess for Windscreen may apply

  • Yes, where applicable up to policy limits.

Cover, Benefits & Exclusions

  • Your Policy Schedule confirms your level of cover and the benefits included.

    • Theft where keys are left in or on the vehicle

    • Theft where the vehicle is left unlocked

    • Wear and tear

    • Mechanical or electrical breakdowns

    • Racing and track use

    • Driving under the influence of alcohol or drugs

    • Unauthorised drivers

  • Yes, any excess shown on the schedule applies.

  • We allow a variety of Modifications, but each one will be subject to review during the quote process. Please make sure all modifications have been declared prior to the policy commencing.

  • Yes, where theft cover is included within your chosen level of cover.

  • Yes, where your policy includes loss of or damage to your vehicle.

  • Yes, where included within your selected cover level.

  • Yes, where applicable under your chosen cover level.

  • Up to £300 is available for personal belongings following an insured event. Exclusions will apply.

  • Yes, but certain benefits may not apply if an approved repairer is not used.

  • Up to £500 is available towards replacement keys and locks, subject to policy conditions.

  • A courtesy car may be available for comprehensive claims repaired through an approved repairer, subject to availability.

  • Up to £500 per person.

  • Up to £150 is available to replace a child seat following a covered accident or theft.

Vehicle & Usage

  • Current policies are only based on Market Value, not agreed value.

  • Yes, subject to territorial limits and trip duration conditions.

    • Agreed Value cover is NOT offered through this scheme.

    • Temporary vehicle cover is NOT offered through this scheme.

    • Multi-vehicle policies are NOT offered through this scheme.