Expert cover for iconic vehicles that are becoming classics.
90-day EU travel
Up to 4 additional named drivers
Cherished number plates covered
Coverage for UK & EU club tours
Specialist Modern Classic Car Insurance
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Why choose Ripe for modern 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 through Ripe.
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Cover for restored & modified classics
Cover available for accepted modifications, helping protect your vehicle as you've restored or customised it.*
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EU Cover for Up to 90 Days
Enjoy your European road trips and club tours with up to 90 days' cover per trip
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Cherished Number Plate Cover up to £10k
Financial protection for eligible cherished number plates worth up to £10k*
Modern classic car insurance for collectors and enthusiasts
As a modern classic car owner, you likely invest a lot of your time and money in keeping your modern classic in the best condition. Modern classic car insurance by Ripe is designed for classic cars between 15-24 years old, including cover for commuting, regularity rallies, and use within the EU for up to 90 days per trip.
What does modern classic car insurance cover?
With a modern classic car insurance policy, you can get cover for four named drivers and cover for commuting use modifications as standard.
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
*Subject to policy terms, conditions and acceptance where applicable.
For full policy wording and details on what is and isn’t covered under a modern classic car insurance policy, visit the Important Documents.
When does a car become a modern classic?
Modern classic cars are often between 15 and 24 years old, although this can change depending on your insurer, as modern classics also often fit one or more of the following categories:
Cultural significance and nostalgia: This can include cars that have featured in famous TV shows, films, or video games of the time period. Modern classic car buyers often refer to modern classics as the cars they wished they had been able to buy as teenagers, adding a nostalgic element.
Rarity and limited editions: Like most things that end up becoming a collector's item, cars that are rare or were produced in limited numbers are often considered a modern classic, too.
Feats of engineering and design: Cars can also be considered modern classics if they feature a major change in design or a feat of engineering which was iconic for the year they were produced.
Specialist modern classic car insurance by Ripe can provide financial protection for vehicles aged 15-24. If your car is more than 20 years old, visit our dedicated page for classic and vintage cars.
Which cars are covered by a modern classic car policy?
Modern classic car insurance can cover a wide range of vehicles, including:
Classic VWs
Classic Ferraris
Classic Porsches
Classic Jaguars
Classic Aston Martins
From classic Fiats to Ferraris, the quickest way to find out if you can get cover for your modern classic car is by getting a quick online quote today.
Modern classic car insurance FAQs
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Modern classic car insurance by Ripe can include cover for dismantled parts, cherished number plates, and unlimited modifications.
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Left-hand drive or imported cars can be covered by specialist modern classic car insurance. The quickest way to find out whether you can get cover for your imported modern classic is to get a quote online today. If you own an American car, you can find out more on our American classic car page.
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For your insurance to remain valid, you must keep your vehicle either in a locked garage, private driveway, or secure storage facility. Modern classic car insurance can also include national coverage of storage locations.
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The cost of modern classic car insurance 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.
Refer your friends and get rewarded
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!
Content reviewed: February 2026
Content reviewed by: Dan Dawson