Classic Vehicle

We understand that keeping classic vehicles on the road represents a huge investment in your time, money and determination. It doesn’t need to be a registered classic to qualify, so give us a call to find out more.

Call 0800 08 08 06 for a quote today

classic car insurance

The two levels of Classic Vehicle insurance cover

Protecting your investment (be it a classic car or another type of collectible vehicle), also needs a special type of insurance - which is why we offer specifically designed cover for your pride and joy.  From the start, we’ll work with you to get the right protection for your classic vehicle – Comprehensive or Storage and Restoration.

Comprehensive Cover

We'll cover damage to your car and also any damage you might cause to someone else's car or property. You’re covered for towing, storage, and repairs if it’s damaged on the road. If your vehicle isn’t drivable we will also pay for long distance transport for you and your vehicle.


Storage and Restoration

A great option if you’re just getting started. Your vehicle is covered while it’s in storage or being transported by another vehicle. So if your vehicle is being restored or stored for an extended period of time, this type of cover means you would pay less to insure your classic vehicle.

Classic car insurance cover

What's Included?


Storage & Restoration

  • Agreed Value
  • If your car is ever written off or stolen, your settlement will be based on the value agreed when you took out your policy, or last renewed it. And this includes any accessories or modifications we agreed to cover.
  • Salvage Option
  • If your vehicle is a total loss, you can still get the chance to repair or rebuild it with first rights to any salvage. We’ll just deduct the salvage value from your total loss payment.
  • Multi Policy Discounts
  • Get a Multi Policy Discount when you take out any two or more policies together. Depending on when you take out your policies, your discount will be applied at the time you pay, or as a refund once your policies have been issued. Call us to see if you qualify.
  • Towing and Storage
  • If your vehicle is damaged in an accident and can't be driven, we’ll organise and pay for it to be towed to the nearest repairer or place of safety so the repairs can be arranged.
  • Time Trial & Rallies Cover
  • You’re covered if your vehicle is damaged while you take part in rallies and time trials on roads which are open to the public, provided the time trial or rally is organised by a recognised official vehicle club.
  • Temporary Accommodation
  • If your car is damaged in an accident so you can't drive it and you can't get home, we will pay up to $500 for temporary accommodation, until we are able to get you and your passengers home safely.
  • No Mileage Limit
  • With no mileage limit, you are covered whatever the distance you travel in your vehicle per year.
  • Young Driver Flexibility
  • There may be times when younger drivers (age 24 or younger) may need to drive your car, and you haven't named them on your policy. With AA Insurance, they're still covered, subject to a separate excess payment.
This is only a summary of key benefits. For full details, exclusions and limitations – please read your policy document. 

Personal Customer Managers

They’ll look after you when you make a claim, ensuring you’re kept fully informed, and that things stay on track and hassle-free. 

No fault, no excess

Accidents can and do happen, and are often out of your control. But if it turns out you weren’t to blame, and you can identify the driver who was at fault, you won’t have to pay an excess on your claim.

New Zealand wide cover

If you have Comprehensive cover, we’ll protect your car on the road, no matter where you are in the country.

It is important to note that limits, excesses, terms, conditions and exclusions apply to the insurance cover referred to. Cover is subject to underwriting acceptance.  For full policy and benefit terms and conditions please read the full Classic Vehicle Insurance policy (PDF)

Read the full policy

Want to find out more? Download the details now:

Already a customer?

If you already have Classic Vehicle insurance with us and you’d like a copy of your policy document, we can send it to you.

Get a Quote Today

  • If your vehicle is not a classic, it may still qualify for cover, so give us a call to find out more.
  • Choose between Storage and Restoration cover or Comprehensive cover
  • Bring your home or contents insurance over to AA Insurance and receive a Multi-Policy Discount.

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