Vintage & classic car insurance

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.