Owning a classic car isn’t just about transport; it’s about passion, preservation, and pride.
For many enthusiasts, these vehicles spend far more time being polished than driven. Whether it’s tucked away in a garage through the winter months or only taken out for club meets and shows, a classic that’s rarely used still needs the right level of insurance.
But how do you make sure your limited-use classic car is properly covered without paying for unnecessary mileage?
What Counts As “Limited Use”?
A limited-use or low-mileage classic car is typically one that’s not used for daily driving. You might drive it only on weekends, attend local events, or take it for the occasional scenic run.
Most insurers define this by mileage, for example, under 3,000 or 5,000 miles a year, though it’s not just about distance. Limited use also takes into account how, where, and why you drive the car.
At Brentacre, we understand that a 1973 Jaguar E-Type or an early Porsche 911 isn’t just another car on the road. That’s why our classic car insurance policies can be tailored specifically for limited use, balancing cost-effective premiums with comprehensive protection.
Why Mileage Matters To Insurers
Insurers calculate risk based on exposure. Simply put, the less your car is on the road, the lower the chance of an accident or damage. Limited-use policies reward careful owners who only drive occasionally by offering reduced premiums compared to standard car insurance.
However, mileage declarations need to be realistic. If you tell your insurer you’ll drive 2,000 miles a year and then clock up double that, you could invalidate your cover in the event of a claim. It’s better to estimate slightly higher than the risk of being underinsured.
Some drivers even combine laid-up or SORN insurance for months when the car is off the road, especially during winter storage. This ensures your vehicle remains covered for fire, theft, or accidental damage while it’s not being driven.
Agreed Value – Not Market Value
One of the biggest advantages of specialist classic car insurance is the option for agreed value cover. Instead of relying on fluctuating market prices, you and the insurer agree in advance what your vehicle is worth. That means if the worst happens and the car is written off, you know exactly what you’ll receive.
At Brentacre, we encourage owners to supply photographs, receipts, and any restoration details when setting up their agreed value. For cherished classics or those with significant modifications, this can make a huge difference to how fairly you’re compensated.
For cars that blur the line between modern and classic, our modern classic car insurance follows the same principle, giving enthusiasts peace of mind for cars that are starting to become collectable.
Modifications & Originality
Limited use doesn’t always mean factory-original. Many owners make tasteful upgrades, from period-correct wheels and exhausts to modern ignition systems or subtle suspension improvements. These changes can enhance reliability and driving enjoyment without altering the car’s character.
Where most mainstream insurers might penalise you for declaring modifications, specialist brokers such as ourselves take a far more understanding approach. We’ve been providing modified car insurance for decades, and we know how to differentiate between thoughtful upgrades and radical rebuilds. Declaring modifications honestly ensures your cover remains valid and accurately reflects the true value of your car.
Using Your Classic Responsibly
A limited-use policy is ideal if your classic is a weekend toy or showpiece, but you’ll still need to follow certain conditions. Insurers may exclude commuting, track days, or long-term overseas travel. That doesn’t mean you can’t enjoy your car, but you need to make sure you’re covered for how you intend to use it.
If you’re part of a club or occasionally attend classic car shows, mention this when getting a quote. In many cases, policies can include driving to and from shows or exhibitions. For anything beyond that, such as track day cover or rallies, speak to your broker for specific arrangements.
It’s also worth checking where your car is kept when not in use. Secure, garaged storage can help lower premiums and reduce the risk of theft or accidental damage.
Seasonal & Multi-Car Considerations
Many classic owners have more than one car in their collection. If that’s the case, a collector car insurance policy can often simplify administration and reduce costs. You can declare limited use across each vehicle, with agreed values set individually.
During the off-season, some owners choose to declare their classic as SORN and switch to laid-up cover. This is particularly sensible if the car won’t turn a wheel for several months. You’ll still be protected against fire and theft, but you won’t pay for road risk cover when the car’s tucked away.
How To Get The Best Classic Car Insurance Quote
When getting a quote for your limited-use classic, accuracy is everything. Be upfront about your expected mileage, storage, modifications, and whether you belong to an owners’ club. Providing clear details helps your broker match you with the right insurer and avoid any complications later on.
It’s also a good idea to revisit your policy each year. Classic car values change, and so do your circumstances. A car you drove 3,000 miles a year last summer might barely leave the garage next year, or vice versa. Therefore, adjusting your mileage and usage accordingly can keep your premiums fair.
Final Thoughts
Classic car ownership is as much about the experience as it is about the machine itself. Insuring a limited-use classic properly means you can enjoy every drive with confidence, knowing that your pride and joy is protected the way it should be.
At Brentacre, we have been insuring classics, customs, and performance cars for more than 35 years. Whether your passion lies with an immaculate MGB, a tuned Escort RS, or a rare imported car, our team understands what makes your car special and how to protect it.
If you’d like to discuss your own vehicle and usage, call our expert team for a personalised quote.
