Classic Car Insurance Under 25: FAQs
Can I get classic car insurance if I’m under 25?
Yes, some specialist insurers will cover drivers under 25, especially if the car is well cared for, not a daily driver, and you can show responsible use such as secure storage and limited mileage. Each insurer has their own criteria, so it’s worth speaking to them directly.
Does my classic need to be a second car, or can it be my only car?
Many classic policies expect your classic to be a second car and not your daily commuter. Some insurers may insist on you having a separate modern car for everyday use. If your classic is your only car, be upfront when you get quotes so you’re on the right type of policy.
Will modifications stop me getting classic insurance as a young driver?
Not necessarily. Some brokers specialise in modified classics and are happy with period-style upgrades, performance tweaks, or safety improvements. The key is to declare everything honestly so the insurer can rate the risk properly and you remain fully covered.
Does limited mileage really make a difference to the premium?
Yes, it often can. Classic policies are built around the idea that the car is used occasionally, not hammered up and down a motorway every day. Agreeing a realistic annual mileage limit can help reduce the premium, as long as you stick within it.
Is adding a parent or experienced driver to the policy worth it?
Often it is. Adding an experienced named driver can sometimes reduce the premium, as it reassures the insurer the car isn’t only in the hands of a brand-new licence holder. Just make sure the main user of the car is correctly listed as the main driver to avoid any issues with “fronting”.
Will a black box or telematics help with classic insurance?
Some insurers are open to telematics for younger classic drivers, especially if you want to prove you drive smoothly and sensibly. It’s not universal across all classic policies, but it can be worth asking when you speak to brokers who deal with under-25s.
Do I build no-claims bonus on a classic car policy?
It depends on the insurer. Some classic policies don’t use no-claims bonus in the same way as modern car insurance, while others will. Always ask how they handle no-claims and whether any discount can be transferred in future before you commit.
Is this advice specific to Austin-Healey owners only?
No, the principles apply to most classic cars, but Healey ownership usually looks good to specialist insurers because it suggests serious enthusiasm, careful maintenance, and involvement with clubs. That said, always check the details of your own policy and car with the insurer.