Classic Car Insurance

Classic Car

Our classic car policy is designed for collectable cars that are at least 20 years old. Quotations are tailored to your client’s needs, providing cover for activities including wedding hire and car shows.

Who we insure

  • Drivers of post-1990s vehicles over the age of 30
  • Drivers of pre-1990s vehicles over the age of 25
  • Full UK licence holders of over 12 months and UK residents for over three years
  • Vehicles that are at least 20 years old and are only used occasionally for a limited number of miles

What our classic car insurance policy covers

  • Loss or damage as a result of accidental damage, malicious damage and vandalism, fire, self-ignition, lightning, or explosion, and theft or attempted theft
  • Show cover included as standard
  • Spare parts and accessories up to 10% of the policy up to £1000 for any individual part
  • Replacement locks up to 10% of vehicle’s market or agreed value up to £750 for a single incident
  • Unlimited windscreen cover up to £500 per incident
  • Personal belongings cover up to £300
  • Up to four named drivers
  • Left-hand drive and Q plated vehicles
  • Legal costs and damages as a result of an accident
  • Foreign use in EU countries


  • Agreed value cover
  • Wedding hire
  • Extended foreign use cover for social, domestic, and pleasure purposes (see policy document for further details)

Additional benefits of the classic car policy

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Bespoke claims service

We are flexible in a claims situation, giving policyholders the option to take the car to their repairer of choice or to use our approved network of experts.

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Multi-vehicle cover

Collectors can receive a discount for placing several vehicles on the same policy.

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Salvage retention

In the event of a total loss, we may allow your client to retain ownership of the vehicle to build up again.

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Owners' club discounts

We reward members of many owners' clubs including Ferrari, Aston Martin, and Jaguar.

Benefits of the KGM service

Direct access to underwriters

At KGM, our broker-partners get direct access to our expert motor insurance underwriters. We take the time to get to know you and use our specialist knowledge to tailor our products to fit your client’s needs – making it quick and simple to find the best deal for your clients.

Operational efficiency

With no lengthy proposal forms to go through, our underwriters make the decisions themselves in real-time. We give our broker-partners a fast turnaround of quotes and documentation, making the process as fast and as smooth as possible.

Customisable products

All our products are designed to be flexible. We consider your client’s needs and experience to create a unique policy that is tailored to them. Designed and underwritten by specialist motor insurance experts.

Timeless specialist motor insurance underwriting

Since our founding in 1957, KGM has been dedicated to adapting and refining our products for brokers and their clients.

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A+ rated specialist motor insurance

We have an A+ rated capacity through our provider, Zurich, with a primary line of £130 million.

We're here to help

If you are a broker or intermediary wishing to make an enquiry, please use the form below or call us on 0208 5301833. For clients wishing to discuss a new or existing policy, please contact your broker directly. 

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