Classic Car Insurance for Young Drivers

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Eamonn Turley Founder of insurance quotes NI

"More specialist providers of classic car insurance have emerged which has increased the competition which in turn has lead to more affordable insurance for experienced and also young drivers of class cars."

Classic Car Insurance for Under 25s

Last Review July 2023 by Insurancequotesni Editorial Team

Classic car insurance is normally the preserve of older drivers, but more and younger divers are joining the bandwagon. As a result, a new and growing demand now exists for classic car insurance for young drivers, and in particular for those sunder the age o 25.

Is classic car insurance cheaper for young drivers?

Classic car insurance is available for young drivers, but expect to pay more than a more experienced driver. The reason is young drivers have a higher risk profile, read more chance of making an insurance claim. Whilst expensive, you can take steps to reduce the insurance premium. One of these is giving the insurance company access to your driving data. This, if you are a good and safe driver, can lead to future discounts on young driver class car insurance.,

How to reduce the cost of classic car insurance for young drivers

If the classic car is not your main car, and you only take it out on the road occasionally, then look for an insurance company that will provide cover on based on miles per annum. We have listed some other steps that a young driver or indeed any driver can take to lower the final insurance premium.

  • Classic car insurance excess –  If really are serious about your classic car, choosing a higher excess will help lower your rsik profile by taking moreresponsibility for costs pursuant to a claim
  • Security  –  This takes two forms. First, are you able to provide safe off road parking, preferably in a garage but at the very lease in a driveway? Secondly, can you take steps to make theft less likely by installing ant theft devices and a tracking device. Both steps will bring down your final classic car premiums costs.in athis enables you to increase the compulsory excess. You can select a voluntary excess when setting up your policy, which helps to reduce the premium.
  • Avoid Modifications – Whilst it may be tempting to add some personal touches to your classic, doing so will in most cases increase your insurance. Before making any medications check with your insurance provider as many have modifications listed as under insurance exclusions 
  • Join a classic car club – members of classic clubs can sometimes benefit from discounts offer by some insurance providers as you are seen as a serious classic enthusiastic and the last thing you wish is have tout car damaged in an accident of your own doing.  

Classic car insurance for young drivers from Footman James

It is true that young drivers struggle to get classic car insurance. Footman James is a player in reversing this trend with the instruction of a policy for young driver enthusiasts aged 18-24. In order to obtain a quote, potential applicants must meet a list of qualifying criteria that include:

  • Car Age –  Car must have been manufactured over 20 years old.
  • Membership  –  Must be a member of a motor club from a select list of classic motor clubs 
  • Car Use –  Car must not be a daily driver, and the applicant must own a car that they do use on a daily basis. 
  • Miles  – must agree a cap on number of miles travelled per year 
  • Driving History -  Young drivers need to have held a licence for a minimum of 12 months

Cheap classic cars to insure for young drivers

Not all classic cars are expensive to insure, and for young drivers we have selected 2 names that we are all familiar with:

  • The original Mini - The mini has a huge following and parts are easy to find, making insurance reasonable with the specialist insurance providers on our panel.
  • Morris Minor  –  Like the mini, loads of spare parts available, and it is easy to maintain  and frugal on petrol. 

Compare classic car insurance for young drivers

A growing number of insurance companies now offer classic car insurance for young drivers, and it is advisable for young drivers ( male and female ) to compare quotes from a wide range of different providers, and then go with the one that offers the best policy at the most competitive price.

*51% of consumers could save £504.25 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from September 2023 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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