What is Classic Jaguar Insurance?
Classic Jaguar Insurance is a specialised insurance policy tailored for Jaguar models considered classic or vintage.
These policies cover unique needs that standard car insurance may not address, offering protection for your vehicle’s historical value, limited mileage, and specific usage patterns. With classic insurance, you get comprehensive coverage that acknowledges the true worth of your car, not just its market value.
Types of Classic Jaguars Covered
Not all Jaguars qualify for classic insurance. Generally, policies cover models that are at least 15-20 years old, though some insurers consider newer models with unique value. The following classic Jaguars are typically eligible:
- Jaguar E-Type (1961-1975)
- Jaguar Mark II (1959-1967)
- Jaguar XJ6 (1968-1992)
- Jaguar XK120, XK140, XK150 (1948-1961)
- Jaguar XJS (1975-1996)
No matter which iconic model you own, classic Jag insurance can be customised to meet the needs of your particular make and model.
How our process works
We’ve worked hard to refine our process and keep it as quick, easy and simple as possible for our customers.
What Is Covered By Insurance For A Classic Jaguar?
Classic Jaguar insurance policies cover a range of protections that standard car insurance often lacks. Coverage can include:
- Agreed Value: Pre-established value of the car in case of total loss.
- Limited Mileage: Policies designed for occasional use, not daily commutes.
- Parts and Repair: Access to specialized repair shops and original parts.
- Breakdown Assistance: Roadside support tailored to classic vehicles.
- Third-Party Liability: Coverage for injuries and damages to others.
- Overseas Cover: Insurance that extends to driving in EU countries.
Additional cover can also include protected no-claims discounts and legal expenses.
Addons Available For Your Jaguar Insurance Policy
For added peace of mind, consider optional extras that give you more comprehensive protection:
- Track Day Insurance: Cover if you plan to take your Jaguar on a closed course.
- Laid-Up Cover: Insurance for cars kept off the road during the winter or extended storage periods.
- Restoration Cover: Protection for Jaguars undergoing restorations.
- Multi-Vehicle Discounts: Savings if you insure multiple classic vehicles.
What Is Not Covered By Your Insurance Policy
While classic Jaguar insurance is comprehensive, it does not cover everything. Common exclusions include:
- Daily Commuting: Policies generally restrict regular, everyday driving.
- High Mileage: Exceeding the agreed mileage limit could invalidate coverage.
- Wear and Tear: Normal wear, age-related deterioration, or non-accidental damage.
- Unapproved Modifications: Changes not disclosed or approved by the insurer.
Make sure to review policy exclusions with your provider to avoid unexpected costs.
How Classic Jaguar Insurance Differs from Standard Car Insurance
Unlike standard motor insurance, classic motor insurance takes into account the vehicle’s limited use, historical value, and the unique needs of classic car owners. Classic policies often include agreed-value options, limited mileage, and flexible premiums based on how the vehicle is driven and stored.
This type of insurance is less costly than standard car insurance for daily use because the car is driven less often and has a passionate owner who is likely to take extra care of it.
How Much Does Classic Jaguar Insurance Cost?
The cost of classic Jaguar insurance varies based on factors such as:
- Model and Year: The age and rarity of the Jaguar affect premiums.
- Mileage Limit: Lower mileage limits often lead to reduced premiums.
- Storage Conditions: Vehicles stored in secure garages may qualify for discounts.
- Driver Experience: Experience with classic vehicles can reduce premiums.
Typical premiums range from £150 to £500 annually, depending on coverage levels, mileage, and storage.
How to Compare Classic Jaguar Insurance Quotes
Finding the best policy starts with comparing classic Jaguar insurance quotes from reputable providers. To get an accurate comparison:
- Gather Details: Know your vehicle’s model, age, mileage, and storage conditions.
- Determine Mileage Needs: Choose a mileage limit that fits your driving habits.
- Consider Additional Cover: Decide if you want optional extras like restoration or track day insurance.
- Look for Agreed Value: Ensure the insurer offers agreed-value coverage.
Use an online comparison tool, or speak with an insurance specialist to find a plan that meets your needs without overpaying.
