Classic Car Insurance
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Classic Car Insurance with complete peace of mind
Grove & Dean Private Clients offers expert classic car insurance with outstanding cover as standard – including Roadside Recovery and Legal Expenses protection. It’s all part of our commitment to safeguarding the vehicles you treasure, with policies designed for complete peace of mind.
We search the UK’s top classic and vintage vehicle underwriters to bring you a tailored selection of high-quality policies – within minutes.
From show cars to daily drives, we arrange insurance for a huge range of classic vehicles, with options for agreed value, limited mileage, laid-up cover and more. Our expert team ensures your policy is as individual as your car.
Whether you're arranging cover through our website, app, or speaking with one of our experts via LIVE CHAT or phone, securing the right policy is fast, straightforward, and stress-free.
With a long history of providing exceptional motor insurance since 1974, Grove & Dean Private Clients serves thousands of classic car owners across the UK with trusted expertise and the latest, efficient digital systems.
Benefits of Our Insurance Policies*
- Courtesy car
- Breakdown recovery, roadside assistance and home service, including protection for misfuelling
- Legal expenses
- Personal accident cover
- Foreign use cover (up to 90 days)
- Windscreen cover (fully comprehensive policies only)
- Optional agreed value
- Club membership discounts
*Terms, conditions & exclusions apply.
We search our panel of leading underwriters to find you the best policy
We are Chartered Insurance Brokers
Underlining our commitment to the best professional standards
Rated as excellent on Trustpilot with over 13,000+ reviews
Classic Car Insurance FAQs
What does classic car insurance cover?
Classic car insurance covers risks such as accidental damage, fire, theft and third-party liability for vehicles considered collectible, historic or used less frequently than standard cars. Policies are often tailored to reflect lower mileage, careful storage and enthusiast ownership.
Some insurers also offer features such as agreed value settlement options where the vehicle’s worth is confirmed in advance.
Grove & Dean policies are structured to look after the specialist needs of classic car owners through insurers experienced in these vehicles.
What is agreed value classic car insurance?
Agreed value classic car insurance allows the insurer and owner to confirm the vehicle’s value at the start of the policy. If the car is written off or stolen, the agreed amount is normally used as the basis for settlement rather than market value at the time of the claim.
Insurers typically request photographs, club valuations or restoration documentation to support the figure.
Grove & Dean does not charge extra for arranging agreed value policies and can arrange agreed cover, subject to insurer acceptance and evidence requirements.
What is laid-up classic car insurance?
Laid-up classic car insurance covers a vehicle that is kept off the road and not driven on public highways. Owners often arrange this cover when a car is declared SORN with the DVLA and stored in a garage or secure building.
Protection typically includes risks such as fire, theft or accidental damage while the vehicle remains in storage.
Grove & Dean can arrange laid-up cover through insurers that recognise the needs of classic car owners and stored classic vehicles.
Can a classic car be insured for occasional use?
Classic car insurance is often suitable for vehicles that are driven infrequently, for example for leisure trips, exhibitions or seasonal use. Many policies include limited mileage terms, reflecting reduced exposure to everyday driving risks compared with standard cars.
Annual mileage limits are agreed when arranging cover and may influence the premium offered by the insurer.
Grove & Dean works with insurers that offer flexible mileage options perfectly suited to occasional classic car use.
Are classic cars exempt from MOT and road tax in the UK?
Some classic cars may qualify for historic vehicle status in the UK if they are more than 40 years old and have not been substantially modified. Eligible vehicles may be exempt from vehicle tax and MOT testing requirements, although owners must still ensure the vehicle remains roadworthy at all times.
Historic status must be declared with the DVLA and eligibility criteria must be met.
Grove & Dean can help arrange suitable insurance for vehicles that qualify as historic.
Do classic car club members receive insurance discounts?
Restored or modified classic cars can usually be insured provided all work and alterations are declared accurately when arranging cover. Insurers assess the vehicle’s condition, specification and any non-standard features to determine acceptance and valuation.
Supporting evidence such as photographs or restoration records may be requested to confirm the vehicle’s condition and authenticity.
Grove & Dean can arrange cover through insurers experienced in restored and specialist classic vehicles.
Is breakdown recovery available with classic car insurance?
Breakdown recovery may be available with classic car insurance, providing assistance if the vehicle cannot drive due to mechanical or electrical failure. Cover may include roadside repair or recovery to a suitable specialist garage, depending on the insurer and level of cover selected.
Response services and eligibility vary between providers and are subject to policy terms.
Grove & Dean policies often include breakdown as standard designed to support older or specialist vehicles.
Is a courtesy car provided when a classic car is being repaired?
A courtesy car may be provided when a classic car is undergoing repair following an insured claim, depending on the insurer and repair arrangements in place.
Availability can vary due to the specialist nature of classic vehicles and the time required to source parts or carry out repairs. Eligibility depends on policy wording and the approved repair network involved.
Grove & Dean policies commonly include access to a courtesy car as standard as part of our fully featured cover (where appropriate).
Who is classic car insurance suitable for?
Classic car insurance is suitable for owners of collectible, historic or enthusiast vehicles that are typically maintained carefully and driven less frequently than everyday cars. Policies are often structured to reflect limited mileage, secure storage and the specialist value of older vehicles.
Insurers assess each vehicle’s condition, usage and ownership profile before confirming eligibility.
Grove & Dean works with insurers that understand the requirements of classic vehicle owners and who will offer the best value, fully featured cover.
Why choose Grove & Dean Private Clients
- Independent and impartial. As we’re not tied to any single insurer, we’re free to compare quotes across a panel of up to 100 leading UK underwriters. This means we can always focus on getting you the right cover at the most competitive price - whether you need 3rd party, fully comprehensive or something more specialist.
- Expertly Chartered. We’re a Chartered Insurance Broker, backed by over 50 years of family business heritage. That means we work to the highest professional standards, providing a service you can trust.
- Smart, streamlined systems. Our digital platforms make everything easier. From a quick quote to managing your policy and documents, our app and online tools put you in control, anytime, anywhere.
- On your side when it matters. If you need to make a claim, we’re here to help - not hinder. As an independent broker, we’ll act on your behalf to resolve issues fast, whether it’s organising a courtesy car or arranging a repair. Our claims support runs 24/7, every day of the year.
- Always available. You can access your policy details, request quotes or get support whenever it suits you. Our online account system runs around the clock, and our experienced team is available six days a week for anything you need.
Combining the latest and most efficient digital systems with decades of real-world insurance expertise, Grove & Dean Private Clients delivers outstanding cover, competitive pricing, and service that truly works for you.
