Frequently Asked Questions
About Classic Car Insurance
QWhat is a Classic Car?
AAny 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
us.
QDo Cherished / Classic Car Club Members get special rates?
AYes, 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.)
QWhat is the excess?
AThis is the amount that you will be required to pay towards the cost of
any claim for loss of or damage to your vehicle.
QHow is the car’s value determined?
APolicies 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).
QWhat is a Thatcham security device?
AThe 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.
QCan I insure more than one car on a policy?
ANo, we can only cover one vehicle per policy
QWhat mileage limits do you offer?
AOur policy offers you limits of 1500, 3000, 5000 or 7500 miles per annum
depending upon the age of your car.
QWhat happens if I exceed my mileage limit?
AIf 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.
QDoes my policy earn a no claims discount?
ANo, 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
QIs immediate cover available?
AYes, 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.
QDoes my policy allow me to drive abroad?
AAll 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.
QDoes my policy allow me to drive anybody else’s car?
ANo, the policy excludes driving of other cars not belonging to or hired
to you.
QDoes my classic car policy allow any person to drive?
ANo, however you can have up to six named drivers including the
policyholder.
QCan you cover me for Third Party Fire and Theft only?
ANo, we can only provide Comprehensive or laid up cover.
About Your Payment
QCan I spread my payments and pay by monthly instalments?
AYes, we do offer payment by instalments if you would like further details please call us.
QWhat about the security of my online payment?
AWe 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.
Useful Information
QWho are Towergate Classic Motor?
ATowergate Classic Motor is authorised and regulated by the Financial
Services Authority (FSA) and is a wholly owned
subsidiary of Towergate Underwriting Group Ltd. Towergate Classic Motor have been specialists in classic car insurance
since 1969.
QHow can I contact you?
AIf you need any help or want to contact us, you can:
Lines are open Monday to Friday 9.30am to 5.30pm