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

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 Conduct Authority (FCA) 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:
  • Call us on 0870 990 6060
 Lines are open Monday to Friday 9.30am to 5.30pm