Just as with other vehicle insurance, you have a couple of options to choose from when insuring your vintage or classic car.
What is Vintage Car Insurance?
Vintage and classic car insurance is needed, just like driving any modern car. There are many benefits to opting for specialised vintage insurance.
Vehicle insurance protects you as the owner or driver against liability in the unfortunate event of a road accident that causes injury to a third party or damage to their property. Some policies also cover damage to the motorist’s own vehicle.
Third-party car insurance cover is a legal requirement in Ireland.
Your vintage car insurance will allow you to drive 5,000 kilometers a year. Perfect for Sunday drives and visits to classic car conventions.
How does Vintage & Classic Car Insurance Work?
If your car is 20+ years old, you are eligible to take out classic or vintage car insurance.
Your classic car should also be in excellent condition, be used as a second car and not exceed 5,000 kilometres a year.
Vintage car insurance is usually cheaper than standard vehicle insurance as it’s considered lower risk. You’re not expected to use your classic car as your main vehicle.
To get your vintage classic car insurance today, simply choose your level of cover and we’ll find the best provider and package for you.
There are some variables, benefits and extra info that are notable. For more information, visit our FAQs.
Types of Insurance for Older Cars
- Third Party means your insurer will cover the cost of any damage or injury to another person and their property
- You will need at least Third Party car insurance to drive legally on Irish roads
- Third Party is often the cheapest option
Third Party Fire and Theft
- You are covered if you car is stolen or damaged in a fire
- If you’re in a car accident and it’s your fault, you’ll be covered for any damage you caused to the other person’s property
- This is a good option if you can’t park your car in a garage
Vintage Car Insurance - FAQs
For insurance purposes, a car is deemed classic if it is between 20 and 25 years or vintage if it is 25 years and over. The Irish Veteran and Vintage Car Club also has a useful timeline on their website.
The way your classic car or regular car is insured is the same. The difference is whether the car is defined as a classic car or not. If you have a car that is 19 years old or less, you won’t be able to take out classic car insurance. If your car is over 20 years old and you don’t use it as your main vehicle, then it could be eligible for classic car insurance.
Classic car insurance is often cheaper than regular insurance as in general these vehicles are not driven as much as regular cars.
Classic car insurance is usually cheaper. This is because the insurer assumes that you will a) take good care of your vehicle, and b) won’t be using the car as your main vehicle. As a result, most classic car insurance has limits on mileage.
Regular insurance costs more, as the insurer expects that you’ll use your car every day and rack up the miles. This results in higher risk for the insurer – and a higher premium for you.
With Campion Insurance, you can take out insurance to cover your vintage campervan. And if you’re planning on taking road trips around Ireland, you can add on holiday cover to your policy.
Most classic car insurers assume that you aren’t using your vehicle as your main mode of transport. That means they can charge less for your cover. However, to ensure this is the case, they impose a mileage limit on your car. At Campion, the annual limit is 5,000km.
You can insure a vintage car up to a maximum of €20,000, and a vintage tractor up to a maximum of €10,000. It is important to remember that the actual value the vehicle is insured for will reflect the current market value of the vehicle.
Get 30 days of cover to drive in the EU if you’re travelling for a vintage or classic car show.
We also provide insurance for vintage and classic jeeps, trucks, campervans and tractors if they meet the right criteria.
For just €30, we’ll register you with the IVETA vintage club and you will receive information on upcoming vintage shows and runs.
Why Choose Campion for Vintage & Classic Car Insurance?
35+ years experience
12 offices throughout the country
Winner of the Deloitte Best Managed Companies for over 10 years
High customer retention rates
We review 15 Insurers and more than 20 products to find the perfect cover
Campion Insurance has the expert knowledge and experience to find you the most suitable vintage and classic car insurance for your needs and lifestyle. Our dedicated team are on hand to answer any questions and always strives to provide top tier customer service. In the event you need to make a claim, our skilled staff will navigate you through the process.
We cannot always be in control of what happens. What we can manage is being prepared and having the best insurance for older cars. Whether you’re going to a vintage show, partaking in a vintage road run, or just going for a Sunday drive, we’ve got you covered.
Let Campion Insurance help you find not only the cheapest but also the best insurance for your classic motoring.Get in Touch
Get in touch
Our team is ready to advise you on the different types of vintage or classic car insurance. We compare quotes from a wide range of insurance companies, so we’ll find you a relevant and affordable plan that meets your needs.
Call 057 8630020, leave a message, or enter your details and we’ll give you a call back at a time that’s convenient for you.