Home / Classic Car Insurance
LONDON ROOTS. PERSONAL SERVICE.
Classic Car
Insurance.
A car with history. Cover considered carefully.
From cherished weekend cars to a growing collection, tell us what you own and how it is used. We’ll discuss specialist cover and the details behind it.
An initial enquiry. Cover starts only when arranged and confirmed.
Independent since 1978
Based in Crouch End, London
Speak to a real broker
INSURANCE AROUND YOUR BUSINESS
More than its age.
More than its mileage.
Classic insurance depends on the vehicle and its use, not simply reaching a particular birthday. Tell us about condition, storage and your plans.
Agreed-value enquiries
Limited mileage
Storage
Collections
Every insurer has its own classic-car criteria. Daily use, modifications and restoration work should be declared.
Tell us about your requirements. Available cover depends on the insurer and your circumstances.
ESTABLISHED
1978
An independent insurance broker
since 1978
London roots. Looking ahead.
WHY CROSSROADS
More than four decades.
Still personal.
Insurance starts with understanding what matters to you. We begin with a conversation.
01 / THE CROSSROADS APPROACH
Independent markets. Personal attention.
We explore the options available through our insurance markets, based on your vehicles, circumstances and the cover you need.
02 / THE CROSSROADS APPROACH
People you can speak to.
Tell us what you need and ask the questions that matter to you. Our team will talk you through the available options.
03 / THE CROSSROADS APPROACH
Know where you stand.
We explain the cover, excesses and relevant terms before you decide. You can ask us about the details at every stage.
01 / YOUR LEVEL OF COVER
Compare the cover.
Choose with confidence.
Compare the main differences. We’ll explain the levels available for your vehicle and the relevant policy terms.
01 / COVER LEVEL
Third Party Only
Cover for your legal liability to other people.
Injury to other people
Included
Damage to other people’s property
Included
Fire or theft of your vehicle
Not included
Accidental damage to your vehicle
Not included
Windscreen repair or replacement
Not included
Does not insure loss or damage to your own vehicle.
02 / COVER LEVEL
Third Party, Fire & Theft
Third party liability, plus fire and theft protection.
Injury to other people
Included
Damage to other people’s property
Included
Fire or theft of your vehicle
Included
Accidental damage to your vehicle
Not included
Windscreen repair or replacement
Not normally included
Adds fire and theft cover, but not accidental damage to your vehicle.
03 / COVER LEVEL
Fully Comprehensive
Third party liability and wider protection for your vehicle.
Injury to other people
Included
Damage to other people’s property
Included
Fire or theft of your vehicle
Included
Accidental damage to your vehicle
Included
Windscreen repair or replacement
Check policy terms
Windscreen benefits, excesses and repair arrangements vary by insurer.
This is a general comparison, not a policy summary. Availability and benefits depend on the insurer. The policy wording and certificate set out the actual cover and permitted use.
Not sure which level to choose?
We’ll explain the available cover and excesses before you decide.
02 / YOUR POLICY DETAILS
The details.
The difference.
Explore the points to discuss when arranging classic car insurance.
EXPLORE YOUR POLICY DETAILS
01
DETAIL
A value supported by evidence
Keep photographs, restoration invoices and any specialist valuation available. Ask what the insurer requires to consider agreed value.
02
DETAIL
How often you drive it
Tell us about leisure trips, shows, commuting or regular use. Check mileage limits and how to notify the insurer if plans change.
03
DETAIL
The car between journeys
Explain garaging, security and periods off the road. Laid-up or storage cover, where available, has a different scope from road-use cover.
04
DETAIL
Restoration and modifications
Tell us about work underway, replacement engines, upgrades or electric conversions. Acceptance and valuation need to reflect the actual vehicle.
These examples help us understand your needs. Available cover, terms and acceptance depend on the insurer.
03 / OPTIONAL EXTRAS
Extra protection.
A clearer picture.
Explore optional benefits and related policies. Some may already be included; others need separate cover. We’ll explain what is available for your circumstances.
01 / 06
Agreed Value
Ask whether the insurer can agree a vehicle value in advance and what evidence is needed. An estimate entered on a proposal is not itself an agreed-value settlement.
What we’ll help you check
- What evidence or valuation is needed?
- When must the value be reviewed?
- How do excesses and policy terms affect settlement?
02 / 06
Storage & Security
Explain where vehicles are kept and the security in use. Cover can depend on garages, keys, trackers and other agreed conditions.
What we’ll help you check
- What security is required?
- Does cover continue during storage?
- Must changes be notified?
03 / 06
Motor Breakdown
Explore roadside assistance and recovery for the vehicle use you declare. Home assistance, onward travel and vehicle restrictions depend on the product.
What we’ll help you check
- Does it accept this vehicle and its use?
- What weight, size or age limits apply?
- Which recovery and home services are included?
04 / 06
Repair Arrangements
Discuss repairer choice, replacement parts and authorisation before choosing the policy. Specialist repair needs should be raised at quotation stage.
What we’ll help you check
- Can a preferred repairer be used?
- Which parts and labour terms apply?
- What needs authorisation before repairs begin?
05 / 06
Motor Legal Cover
Help with eligible legal costs when pursuing uninsured losses following a non-fault accident. Conditions apply to the prospects of success and authorisation of costs.
What we’ll help you check
- Which losses can be pursued?
- What must happen before costs are authorised?
- How is a claim reported?
06 / 06
European Driving
Tell us the countries, duration and purpose of any overseas journeys. Territorial limits and the level of cover abroad need checking.
What we’ll help you check
- Which countries and trips are accepted?
- What period and cover level apply?
- Is overseas breakdown arranged separately?
Choose an option to explore. Availability, limits and exclusions vary. Related policies may be arranged separately; we’ll provide the relevant terms before you decide.
GETTING STARTED
Three steps.
Let’s get started.
01
Tell us what you need
Share your requirements and contact details. We’ll get in touch to discuss the information needed for a quote.
02
Explore your options
We discuss available cover, optional extras and payment arrangements, including the relevant terms.
03
Confirm before cover starts
Complete the required information and arrangements. Check your documents and the confirmed start date.
Useful details to have ready
Make, model and year · Registration · Value and condition · Mileage and use · Storage · Modifications · Other vehicles
Ready to discuss your cover?
Send a short enquiry and we’ll contact you to discuss your requirements.
CUSTOMER EXPERIENCES
Real people.
In their own words.
Read what customers say about their experience with Crossroads.
A LITTLE MORE CLARITY
Your questions
answered.
Answers to common questions about classic car insurance, drivers and arranging cover.
Understanding the cover
How old must a car be to qualify?
There is no universal qualifying age. Insurers consider the model, collectability, condition and how it is used.
Can I use a classic every day?
Declare that intention. Some classic policies restrict daily use or commuting and may require access to another vehicle.
What does agreed value mean?
Where confirmed, the insurer agrees a value basis in advance, subject to the policy terms. Evidence and periodic reviews may be required.
Can a restoration project be considered?
Tell us its condition, location and the work taking place. Ask about storage or restoration cover rather than assume ordinary road cover fits.
Vehicles, drivers and use
Are shows, rallies or competitions covered?
Describe each activity. Attending a static show is different from competitive driving or timed events, and acceptance must be checked.
Can modifications be included?
Declare all changes, including performance, cosmetic and mechanical alterations. The insurer must accept the specification.
Getting a quote
How do I request a quote?
Choose a quick callback or share your quote details using the enquiry form. You can also call 020 8374 9331. We’ll review your information and discuss the available options.
Does the enquiry form put cover in place?
No. It asks our team to contact you. Cover must be arranged and confirmed, with the required details and payment arrangements completed, before you rely on it.
Can I ask about monthly payments?
Yes. Ask us about available payment arrangements and the total cost. Instalments on an annual policy are not the same as a monthly insurance policy. Finance is subject to eligibility and terms.
Managing your policy
Can I change the policy later?
Contact us before changing vehicles, drivers or vehicle use. Insurer acceptance, additional premiums and fees may apply. Check the change is confirmed before relying on cover.
What happens if I want to cancel?
Please contact us and confirm your request in writing. Any refund, fees and outstanding finance depend on the policy terms, time on cover and claims position.
When can I speak to the team?
Call 020 8374 9331, Monday to Friday, 9am to 5pm. We are based at 133 Tottenham Lane, Crouch End, London, N8 9BJ.
OTHER WAYS TO WORK
Find your next route.
LET’S TALK ABOUT YOUR COVER
Your next journey
starts here.
Tell us what you need. We’ll take it from there.
Monday–Friday · 9am–5pm
133 Tottenham Lane, Crouch End, London, N8 9BJ