What is Classic Porsche Insurance?
Classic Porsche insurance provides specialised coverage for vintage and classic Porsche models.
Unlike standard car insurance, classic car insurance takes into account the unique aspects of owning and maintaining a classic vehicle, including its market value, limited mileage, and the extra care owners often invest in their vehicles. This type of insurance is designed to protect your Porsche both on and off the road, ensuring you get maximum value from your coverage.
Types of Classic Porsche Models Covered
Our specialist, classic car brokers cover a range of classic Porsche models, including:
- Porsche 911 (pre-1990s models): Known for its timeless design and engineering excellence.
- Porsche 356: A historic model that helped define Porsche’s legacy.
- Porsche 914: A unique, mid-engine sports car beloved by enthusiasts.
- Porsche 944: A classic from the 1980s with a strong fan base.
- Other vintage models: From the rare 924 Carrera GT to the Porsche 928, we cover various classic Porsches.
If your Porsche is over 15–20 years old and has value beyond the standard market, it could qualify for classic insurance coverage.
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 Porsche Insurance Cover?
With classic Porsche insurance, you can benefit from coverage features that go beyond standard car policies. Key benefits typically include:
- Agreed Value Cover: If your car is written off, you’ll be paid the agreed value rather than the depreciated market value.
- Limited Mileage Discount: If you drive your Porsche fewer miles, you may qualify for a reduced premium.
- Comprehensive Repairs: Access to specialist mechanics familiar with Porsche models.
- European Breakdown Cover: Protection when you take your Porsche across Europe.
- Parts & Accessories Cover: Covers authentic and replacement Porsche parts, often harder to source for vintage models.
Additional Classic Car Coverage Options For Your Porsche
You can further enhance your classic Porsche insurance policy with optional add-ons, including:
- Laid-Up Cover: For classic cars that are not driven regularly and are stored safely.
- Track Day Cover: Some insurers offer optional track day cover for classic cars used in closed circuits or club events.
- Agreed Value Reappraisal: Helps keep your policy up-to-date with the rising value of classic Porsche models.
What Isn’t Covered?
Classic Porsche insurance policies come with some exclusions, such as:
- Excessive Mileage: If you exceed the agreed mileage limit without notifying your insurer, your cover may be voided.
- General Wear and Tear: Routine wear is generally excluded, though some policies cover mechanical breakdowns for certain parts.
- Unapproved Modifications: Any significant alterations not approved by the insurer may void your cover.
- Daily Use: Classic insurance is typically not intended for cars used as primary or daily drivers.
How Does Classic Porsche Insurance Differ from Standard Car Insurance?
Unlike standard car insurance, classic Porsche insurance is based on an agreed value model rather than a depreciating market value. It accounts for limited mileage, value appreciation, and the collector’s nature of the car.
Additionally, repairs, breakdown assistance, and replacement parts often involve specialist resources, which classic insurance policies accommodate.
How Much Does Classic Porsche Insurance Cost?
The cost of classic Porsche insurance varies depending on factors like your vehicle’s value, your driving history, the mileage limit, and storage conditions. Policies can range from £200 to over £1,000 per year.
A well-maintained, low-mileage classic Porsche stored in a secure location will likely result in a lower premium.
How to Compare Classic Porsche Insurance Quotes
To find the best value classic Porsche insurance:
- Use a Comparison Tool: Start by comparing providers with specialized classic car insurance policies.
- Evaluate Coverage Options: Check for agreed value cover, mileage limits, and any extra coverage options like European breakdown cover.
- Get Multiple Quotes: Comparing at least three quotes will help you get a fair assessment of available options.
- Check Insurer Reputation: Look for insurers with a track record of covering classic vehicles and fair claims handling.
