14th March 2024

What are the benefits of a classic car insurance policy?

If you’re one of thousands in the UK who have a classic car, keeping it safe and sound is one of the main things you’ll consider right from the beginning.

Whether you’ve restored it as a labour of love, are keeping it as an investment or simply love having a piece of automotive history, classic car insurance is essential in giving you peace of mind and protection of a valuable asset. There’s little worse than having a beautiful motor sustain damage without adequate insurance cover.

For some people, the differences between classic car insurance and regular policies may not be entirely clear, so we’re here to help you understand why you should always consider specialist policies instead of broad and potentially unsuitable protection from general insurers.


Passion and community


What’s the difference? It all comes down to passion. General insurers cover many types of vehicles, and are good in a ‘one size fits all’ capacity. For specialist insurers, classic cars are more than just wheels and a motor; they are objects of beauty with historical value and are the focal points for some really great communities.  For our part, we engage with clubs and communities as much as we can, and love nothing more than attending events with fellow enthusiasts.

A deeper knowledge


Being so well connected with clubs and communities of course means that the knowledge is there to provide a more tailored and specific service. Compared to traditional insurance, specialist insurers understand the vehicles, market and what is important to the enthusiast, collectors and trader of classic cars.

More complete protection      


Whilst classic cars have windows, wheels and motors like any other vehicle, that’s where the similarities end. There’s a whole lot more to classic vehicles that needs a specialist approach. For instance, you might be a collector who has more than one car, or you might regularly drive your pride and joy to events or enthusiast clubs. You may even not be driving your classic all that much and instead prefer to keep it safe and sound in a garage. There are just so many differences between how classic and modern cars are kept and cared for, so making sure you have the appropriate protection is key to ensuring sure you’re fully covered.

Plus, all our Classic Car Insurance policies come with provides Shows & Events Cover as standard plus European Motoring for 35 days too!



It is important that you are getting the right cover for your needs and lifestyle, which is why at FJ we also have a range of additional cover options so that you can tailor your policy to suit you. These range from breakdown to agreed value, drive to work and wedding hire. We want you to get the most out of your classic! 


At Footman James, we provide specialist classic car insurance that sits on a foundation of genuine passion and love for all things classic. Check out some great Coffee & Chrome Collective meets that are coming up, see which clubs we are friends with or get in touch with our team if you want to learn more about our policies and services.

You did not really say whot the difference between normal ins and classic just the benefits off classic ins my bike is coming up to 21 year's old how old does it have to be before l can get classic insurance

Tony, 16/03/2024