What is Classic VW Insurance?
Classic VW insurance is a specialised car insurance policy designed for owners of vintage Volkswagen vehicles, offering comprehensive coverage tailored to the unique requirements of classic and collectible cars.
Unlike typical car insurance, classic VW insurance accounts for the vehicle’s value, its usage patterns, and the specialised repairs it may require. Ideal for enthusiasts who only drive their cars occasionally, classic VW insurance is a more affordable, suitable option for safeguarding your investment and preserving its value.
Types of Classic VWs Covered
Classic VW insurance policies cover a wide range of Volkswagen models, including:
- Volkswagen Beetle – A beloved icon, from the 1950s to the 1970s, and its many variants.
- Volkswagen Camper Vans (Type 2) – Also known as the VW Bus, Transporter, or Kombi, popular from the 1950s through the 1980s.
- Volkswagen Karmann Ghia – The stylish VW coupe and convertible made from 1955 to 1974.
- Volkswagen Golf MK1 – The original Golf model, from 1974, still revered by enthusiasts today.
- Volkswagen Scirocco MK1 – The iconic coupe that hit the market in the mid-1970s.
If your classic Volkswagen isn’t listed, get in touch! Our brokers cover various VW models aged 20 years or older, so your treasured VW is likely eligible.
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 Does Classic VW Insurance Cover?
Classic VW insurance policies offer comprehensive coverage options, including:
- Agreed Value Cover – Protect the true value of your vehicle, agreed upon with your insurer to ensure you’re fully compensated in case of a total loss.
- Limited Mileage Discount – Drive your classic VW occasionally? Save with a limited mileage policy.
- Breakdown Assistance – Enjoy peace of mind with European and UK breakdown coverage.
- Legal Protection – Cover legal expenses arising from accidents or disputes.
- Accident Recovery – Assistance to recover your VW after an accident, with access to specialized repair services.
Additional Cover Can Include
For added peace of mind, classic VW insurance also offers options like:
- Multi-vehicle Cover – For enthusiasts with multiple classic vehicles.
- Modified Car Cover – If your classic VW has undergone modifications or restorations, we can tailor coverage.
- Storage Cover – Protect your VW even when it’s in storage or under restoration.
What’s Not Covered
While classic VW insurance is comprehensive, some exclusions may apply. These may include:
- Wear and Tear – Regular maintenance, aging, and depreciation may not be covered.
- Daily Use – Classic VW insurance is designed for occasional use, not for daily commuting or high-mileage use.
- Unauthorised Modifications – Non-disclosed or unauthorized modifications may affect your coverage.
- Unlicensed Drivers – Only drivers specified in the policy can drive your vehicle.
The Difference Between Classic VW Insurance and Typical Car Insurance
Classic VW insurance differs significantly from normal car insurance. While standard policies cover everyday vehicles and general risks, classic VW insurance focuses on:
- Agreed Value Coverage – Unlike standard policies, which often pay based on current market value, classic VW insurance lets you set an agreed value, ensuring better compensation.
- Limited Mileage Options – Classic cars are typically driven less, and policies reflect that with lower rates for reduced mileage.
- Specialist Repairs – Access to garages and repair services skilled in vintage VW restorations.
How Much Does Classic VW Insurance Cost?
The cost of classic Volkswagen insurance depends on factors such as the vehicle’s age, agreed value, mileage, storage location, and driver’s experience. Classic VW policies generally cost less than standard car insurance due to the lower risk and limited use of classic cars. Policies can start from as little as £100 per year, though prices vary based on individual circumstances.
How to Compare Classic Volkswagen Insurance Quotes
Comparing quotes from multiple insurers can help you find the best rate and coverage for your needs. When comparing quotes, consider:
- Agreed Value vs. Market Value – Ensure you’re comparing policies with agreed value coverage.
- Mileage Limits – Check that your mileage usage matches the policy terms.
- Breakdown Assistance – Look for included breakdown cover, especially for older cars.
- Additional Benefits – Compare any added coverages such as multi-car discounts or modified vehicle cover.
Use our quote comparison tool to see options from the UK’s leading classic VW insurers.
