Classic Vehicle Insurance

Our car insurance policies have an open driver policy, unless a special term has been applied to your policy. This means that any licenced driver who has your permission to drive your car, will be automatically covered, provided they comply with our policy conditions and any applicable licence conditions. For example, drivers must not have any unacceptable traffic or criminal convictions and must not have had any unacceptable claims or accidents (for example, a driver using the car illegally).

Please see your policy document for more information on all policy conditions that you and your drivers must comply with.

It’s important to note that excesses relating to age and driving experience may apply to you and your drivers. Please see your policy schedule for excesses that may apply and to determine if a special term has been applied to your policy.

Any drivers who will be regularly driving your car should be added to your policy. This is a quick and simple process and ensures you know they are covered should you need to make a claim.

If you have any questions about who is covered to drive your car or if you’d like to add a driver to your policy, please contact us. Alternatively, you can add a driver to your policy using My AA Insurance.

Agreed Value is the amount we have agreed to insure your vehicle for and is set at the beginning of each period of cover. The value shown on your policy schedule is what you will receive if your car is written off or stolen and does not change during this period of cover.

Your Agreed Value is automatically reviewed at each renewal and is based on a figure provided by Redbook, a company that specialises in vehicle valuations. They update us with new values on a monthly basis. They calculate valuations using current market conditions such as sales at auction, dealerships, manufacturers, newspapers and field research. It is important you check the value shown on your policy schedule and discuss it with us if you have any concerns.

If you need to make a claim, we will choose from our group of approved repairers to fix your car. If you wish to go to your own repairer, we can choose to pay you the reasonable costs to fix your car as estimated by our assessor. Check your Car Insurance Policy for more details or contact our Claims Team on 0800 500 216.

Your vehicle doesn’t need to be a registered classic to qualify. To check whether your vehicle is eligible for our Classic vehicle insurance, give us a call on 0800 500 231.