Classic Car Breakdown Cover – How is it covered?

Classic car breakdown coverage is a worthwhile investment for any classic car owner. The last thing you want is to spend time and money on your beloved vehicle, only to end up stranded on the side of the road. If you’re looking for a classic car breakdown cover, here are a few options to consider.

The different types of classic car breakdown coverage

Every classic car owner is different, so the type of cover you’ll need will vary based on your personal circumstances:

Vehicle policy

As its name implies, a vehicle policy will provide coverage for the car, but generally the driver will have to be legally insured and potentially named in the owner’s insurance. Although you should always read the fine print of these policies carefully, this type of coverage can be helpful if different people are going to drive the vehicle. Maybe you share it with a friend or family member?

Personal policy

Although this policy means that a single driver can be covered in any vehicle he drives. You will have several restrictions on the type of vehicle and the type of insurance policy that is covered. For example, our classic multi-vehicle breakdown would cover all the vehicles and drivers mentioned in the insurance policy. But it will not cover any person not mentioned in the policy, or any vehicle not insured in the policy.

Roadside

The road is the most basic level of breakdown coverage. If it breaks down, someone will come to your vehicle’s location and repair it there and then.

Local recovery

If your classic car breaks down and can’t be repaired on the side of the road, they’ll take you to the nearest garage. It is important to check your policy as some insurers will only cover you if the closet garage is within a 10 mile radius, and you could end up with a large bill if you are out of this area. This type of tire is ideal if you rarely use your classic car and don’t tend to drive far in remote locations.

National

National breakdown coverage offers more protection than road coverage, as this policy means that you and your passengers can be taken to a location of your choice, anywhere in the UK. This type of tire is ideal if you take your classic car on tour or like to drive long distances across the country.

Start home

Home starter cover gives you peace of mind knowing that your classic car is covered if it doesn’t start at home. If you have a particularly moody classic car, or have kept it off the road during winter, it may be a good idea to include the home start as part of your cover, as it can be a start after being idle for a while. . trouble.

Forward journey

The journey forward is the most complete cove. If your car is not repairable, it generally includes renting a car for about 3 days, paying for public transportation, or overnight accommodation. Each policy is different, so you should verify what is included in your specific policy.

European cover

Adding or taking a policy with European coverage included will also offer the possibility to extend the coverage you received in the UK to Europe. Some will offer coverage throughout the year, others for a certain number of days within the term of your policy, such as 30, 60, 90, 180 days. Alternatively, some breakdown policies will allow you to purchase additional European coverage per day, when required.

Learn more about our classic car breakdown cover and get a quote


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