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 & classic car insurance?
Just like driving a modern car, if you drive a vintage or classic car, you’ll need to take out insurance. While you might be tempted to insure your older car as you would a regular vehicle, there are many benefits to opting for specialised vintage insurance.
Vintage car insurance is usually cheaper than standard vehicle insurance as it’s considered lower risk. This is because you’re not expected to use your classic car as your main vehicle.
Your vintage car insurance will allow you to drive 5,000 kilometres a year. Perfect for Sunday drives and visits to classic car conventions!
Get 30 days of cover to drive in the EU if you’re travelling for a vintage or classic car show.
We also offer 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.
Dedicated claims team
In the event you need to make a claim, our knowledgeable staff will navigate you through the process.
How vintage & classic car insurance works
You can get classic car insurance if your car is over 20 years old and you have a main car policy. Your classic car should also be in excellent condition, be used as a second car and not exceed 5,000 kilometres a year. We can also help you find classic insurance for jeeps, tractors and trucks if they are eligible.
Simply choose your level of cover and we’ll help you find the best provider and package for your needs.
Our types of cover
- 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
Frequently asked questions
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.
We have your classic car covered
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. Contact us today.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 8695700, leave a message, or enter your details and we’ll give you a call back at a time that’s convenient for you.