Cherished Car Insurance

Cherished Car Insurance

Flexible range of cherished car insurance policies. Choose from basic third party protection, fully comprehensive and laid-up cover. Possibly you are a collector looking to switch insurer or are insuring your vehicle for the first time. Click through for a great deal.

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Click through on the ‘Get a Quote’ button above to compare collectors and cherished car insurance quotes from many of the leading UK motor insurers, and obtain the most suitable cover and protection you require. The Quotezone click and compare service is entirely free to use. It is a totally independent and impartial insurance comparison site, already helping over 1 million drivers across the UK to get the best deal.

FAQs Cherished Car Insurance

What is cherished car insurance?
Cherished car insurance—often called classic or specialist car insurance—is a policy designed for older, rare, vintage, or highly valued vehicles. It typically includes special features not found in standard car insurance, such as limited-mileage cover and agreed value protection.

What types of cars qualify for cherished insurance?
This varies by insurer, but typically includes: Classic cars (usually 20+ years old); Vintage or antique vehicles; Collectors’ cars; Kit cars;  modified classics or rare models; Prestige or high-value vehicles. Some insurers also cover younger “future classic” cars.

What is agreed value and why is it important?
Agreed value means you and the insurer agree upfront on the car’s value, often after submitting photos and documentation. If the car is written off or stolen, you’re paid the agreed amount—not the lower market value. This is highly valued by classic car owners.

Is cherished car insurance cheaper than regular car insurance?
Often yes. Classic cars tend to be driven fewer miles and carefully maintained, reducing risk. Insurers may offer lower premiums if: You keep the car garaged; You have another daily-use vehicle; You limit mileage; You have advanced security or immobilisers.

Are mileage restrictions included?
Many cherished policies include limited-mileage plans (e.g., 1,500–5,000 miles per year). This helps keep premiums low but requires owners to accurately track usage.

What special features are usually included?
Common additional benefits include: Agreed value cover; Salvage retention rights (you can keep the car after a write-off); Laid-up/SORN; cover for cars in storage; Spare parts coverage; European breakdown cover; Protection for shows, rallies, and exhibitions.

A standard cherished car insurance policy is designed for owners of vehicles aged over 10 years and driven for no more than 5,000-7,500 miles per annum. Their are a select number of specialised insurers who can deliver just the right policy with the mix of feature and benefits to protect your investment.

Car insurance policies that drivers who are passionate about their vehicles genuinely appreciate. Many of the best cherished car insurance deals will incorporate UK and European breakdown cover as standard, as well as roadside assistance and possibly home start assistance.

Laid-Up Cover
If you never use your cherished car on the roads then laid up cover would be the most appropriate policy. The main stipulation of this type of insurance is that the vehicle must not be used on the road under its own power.

Your policy will provide protection for accidental damage and fire and theft cover when the car is kept in a locked private garage on your private property or any other address specifically agreed by the insurer. If you transport your car to and from exhibitions on a transporter or trailer your laid-up policy will also cover for this.

Road Use/Risks
If you occasionally or regularly drive your cherished car on the roads you can select from either third party or comprehensive insurance. Features and benefits of the most extensive comprehensive policies can often include:

• Discounts if you have owned your cherished car for 3 years or more and are a member of a recognised owners’ club
• Spare Parts and Accessories Cover
• Wedding Use
• Roadside breakdown cover
• Access to 24 hours a day, 365 days a year claims help line
• Accident recovery service
• Windscreen repair and replacement service
• All repairs guaranteed for 3 years (when carried out by an approved repairer).