What is classic car insurance?

Classic car insurance is typically for vehicles used for leisure, shows, or occasional drives. Standard motor insurance is usually designed for regular car use and typically does not cover the cost of specialist repairs, rare parts, or the value of a classic car. Classic car insurance helps reflect these differences through tailored options that align with how the vehicle is used and maintained.

How much is classic car insurance?

The cost of classic car insurance can vary depending on the vehicle and how it is used. Factors such as the car's age, value, where it is stored, annual mileage and your driving history can all influence the price.

Is classic car insurance cheaper?

Classic car insurance can often be cheaper than standard car insurance because classic cars are typically driven less often, kept securely and used for leisure rather than everyday commuting. Through classic car insurance policies by Ripe, cover is designed around how classic vehicles are usually owned and used.

How old does a car need to be for classic car insurance?

There is not a single rule for when a car qualifies for classic car insurance. In many cases, vehicles around 15 to 24 years old are classed as modern classics and a car over 25 years old is considered a classic car.

Is classic car insurance cheaper for young drivers?

Classic car insurance is not always cheaper for young drivers. While the car itself may qualify for specialist cover, insurers also consider factors such as the driver's age, experience and driving history when calculating premiums. At Ripe, classic car cover is available for drivers aged between 25 and 79.

When do cars become tax exempt?

In the UK, cars can become exempt from Vehicle Excise Duty (road tax) once they reach 40 years old. This works on a rolling basis, meaning more vehicles qualify each year as they pass the 40-year mark. To benefit from the exemption, the vehicle usually needs to be registered with the DVLA in the historic vehicle tax class.

When does a car become MOT exempt?

A car may become MOT exempt once it is more than 40 years old, provided it has not been substantially modified in the last 30 years. Even if a vehicle qualifies for MOT exemption, it must still be kept in a roadworthy condition and many classic car owners choose to continue having their vehicles checked regularly.

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