Frequently Asked Questions
About Classic Car Insurance
What is a Classic Car?
Any car manufactured at least 10 years ago as a standard production
model. The annual mileage must not exceed
7,500 miles – discounts are available for lower mileage. Other
vehicles including commercial vehicles, military vehicles,
tractors and custom made replicas may be acceptable. If you are
unable to find your vehicle on our website listing please call
Do Cherished / Classic Car Club Members get special rates?
Yes, if you are a member of a recognised classic car club, you will
qualify for a discount. (A photocopy of your membership
card will be required.)
What is the excess?
This is the amount that you will be required to pay towards the cost of
any claim for loss of or damage to your vehicle.
How is the car’s value determined?
Policies are issued on an “agreed value basis”. This means we agree with
you the value of your car when taking out the
policy. (In certain instances agreed value may not be available).
What is a Thatcham security device?
The Thatcham Motor Insurance Repair Research Centre evaluates the
effectiveness of car security products against the British
insurance industry’s criteria. Most insurers acknowledge the
benefits of these devices.
Can I insure more than one car on a policy?
No, we can only cover one vehicle per policy
What mileage limits do you offer?
Our policy offers you limits of 1500, 3000, 5000 or 7500 miles per annum
depending upon the age of your car.
What happens if I exceed my mileage limit?
If at the time of a claim it is established that the mileage limit has
been exceeded the claim will be denied. It is possible to
increase your mileage limit providing it is prior to a claim
occurring and that the required additional premium has been paid.
Please note the maximum mileage limit allowed is 7500.
Does my policy earn a no claims discount?
No, Classic car insurance differs from every day car insurance, in that
you do not earn a no claims discount. We will however
issue evidence of claim free driving if required.
About Your Cover
Is immediate cover available?
Yes, immediate cover is available both via the phone and the Internet.
If you need an urgent cover note for taxation purposes
please call us for assistance.
Does my policy allow me to drive abroad?
All private car policies issued in the UK include the minimum cover
required in any EU country. In addition Towergate Classic
Motor Insurance policies provide cover equivalent to
that held in the UK (for up to 90 days in a year)
automatically. Cover may be extended for longer periods or for
countries outside the EU.
Does my policy allow me to drive anybody else’s car?
No, the policy excludes driving of other cars not belonging to or hired
Does my classic car policy allow any person to drive?
No, however you can have up to six named drivers including the
Can you cover me for Third Party Fire and Theft only?
No, we can only provide Comprehensive or laid up cover.
About Your Payment
Can I spread my payments and pay by monthly instalments?
Yes, we do offer payment by instalments if you would like further details please call us.
What about the security of my online payment?
We know that when you purchase items or services online you want your
personal details and your credit or debit card
information to be private and secure. We are committed to providing
this security for you. Our secure-server software
encrypts all the details in your online transaction. The encryption
process takes the characters you enter and converts them
into coded form, which is then securely transmitted.
Who are Towergate Classic Motor?
Towergate Classic Motor is authorised and regulated by the Financial
Conduct Authority (FCA) and is a wholly owned
subsidiary of Towergate Underwriting Group Ltd. Towergate Classic Motor have been specialists in classic car insurance
How can I contact you?
If you need any help or want to contact us, you can:
Lines are open Monday to Friday 9.30am to 5.30pm