Classic Car Insurance Services in Northern Ireland

Typical coverages for classic/collector vehicles in NI:

• Agreed Value: Guaranteed payout (no depreciation) for total loss.
• Guaranteed Value: Similar, often for higher-value cars.
• Comprehensive: Accidental damage, theft, fire, vandalism, weather.
• Collision: Damage from impact (optional if agreed value).
• Third-Party Liability: Legal minimum; injury/damage to others.
• Laid-Up / SORN: Fire/theft only while off-road.
• Salvage Retention: Keep wreck after total loss.
• Spare Parts / Custom Parts: Coverage for rare/original components.
• Event/Show Cover: Transit to/from shows, club runs.
• Roadside Assistance: Recovery, flat tire, lockout.
• Gap Insurance: Covers loan/lease shortfall.
• European Cover: For rallies/tours abroad.

Specialist brokers (e.g., Adrian Flux, Footman James, Heritage) tailor policies. Club membership often unlocks discounts.