Reliable insurance built for the pride, performance and preservation of your classic car or cherished vehicle.
We understand your classic car is more than transport. Our cover reflects the care, value, and enjoyment you place in every journey.
Protection designed for classic car enthusiasts
At Caulfield Insurance, we recognise that owning a classic or cherished vehicle is a passion as much as a practicality.
That’s why our classic car insurance is tailored to suit how you use and maintain your vehicle, with options for limited mileage, laid-up cover, and agreed value policies.
Whether you drive occasionally, exhibit at shows, or store your vehicle securely, we’ll help protect its value and your peace of mind with a flexible, expert-led approach.
The benefits of our Classic Car policies
✓ Agreed value cover. In the event of a total loss, you’ll receive a pre-agreed payout based on your vehicle’s true worth—not just market value.
✓ Limited mileage options. Lower mileage often means reduced premiums. If you only drive occasionally, we’ll help you save while staying fully protected.
✓ Laid-up cover available. If your vehicle is off the road or being restored, you can still insure it against fire, theft, or accidental damage.
✓ Club member discounts. If you’re part of a recognised classic car club, you may be eligible for reduced rates.
✓ Experienced and understanding advisors. Our team understands the value of classic cars, financial and emotional and we’ll work with you to find the right policy.
✓ Flexible usage cover. Whether it’s weekend drives, exhibitions, or private collections, we tailor cover to match your lifestyle and needs.
Enhance your cover with tailored extras
Our breakdown and legal assistance policy dovetails with your car insurance to provide you with valuable benefits in the event of a breakdown or accident.
Breakdown Cover
✓ Home start assistance
✓ Roadside assistance
✓ Loss of keys
✓ Punctures
✓ Petrol shortages or mis-fuelling
✓ Mainland European Emergency Cover up to £250
✓ Additional Rescue Cover up to £175
Legal Assistance
✓ 24/7 Claimsline
✓ Replacement vehicle
✓ Recovery of uninsured losses
✓ Recovery of excess
✓ Assistance with personal injury claims
With optional Key Care, avoid the cost and hassle of lost keys. Get up to £1,500 cover, including lock replacement if needed.
What is insured?
✓ Locksmith charges, new locks (if a security risk has arisen) and/or replacement keys.
✓ Onward transport costs including car hire.
✓ Reprogramming of immobilisers, infra-red
handsets and alarms.
Where am I covered?
✓ England, Scotland, Wales, Northern Ireland, the Isle of Man, the Channel Islands and Republic of Ireland.
What is not insured?
✘ Any keys other than your house/vehicle keys.
✘ Wear and tear and general maintenance to keys and locks.
✘ Any hire vehicle that exceeds 1600cc.
✘ Any loss of earnings or profits which you suffer as a result of the loss or theft of, or damage to an insured key.
✘ Any claim where you do not provide receipts or invoices for payments you have made.
With Excess Protect, you choose an annual limit to insure. If you make a claim under your car insurance that exceeds the excess, you can claim this back using your excess protect policy, up to the annual limit.
What is included?
Accidents are unexpected, so it can be a financial burden if you have to pay an excess in the event of a
claim. Depending on your risk factors, your excess may be higher than usual.
✓ Multiple claims can be made per policy term up to the total level of cover.
✓ Amount of claim under the Excess Insurance policy must not exceed the value of the total excess of
the main policy.
✓ Claims must be reported within 31 days of the settlement of the claim to which the policy relates.
✓ Windscreen excesses are excluded for all motor policies.
