You've got a classic Ford Anglia, and you're wondering about insurance. It's not like insuring a modern car, is it? You're right, it's different. Classic cars have unique insurance needs, and your Ford Anglia's no exception.
The cost depends on various factors, and finding the best deal can be tricky. But don't worry, we're here to help. In this article, we'll guide you through the ins and outs of classic Ford car insurance.
Overview of Ford Anglia insurance
You're about to delve into the world of classic Ford car insurance, understanding its various aspects and how it impacts you as an owner. This isn't just another mundane task; it's an essential part of your journey with your beloved Ford Anglia. It's about safeguarding a treasure that holds a unique place in the automotive world and, most importantly, your heart.
Insurance for a classic Ford model isn't the same as your everyday car insurance cover. It's different, and it's special, just like your vehicle. You can't slap a standard insurance policy on it; that wouldn't cover the unique needs of a classic car owner. You need insurance cover that appreciates the value of your motor, not just in monetary terms but also its sentimental worth.
In the event of an unfortunate incident, your classic Ford car insurance will be there, serving as a safety net, ensuring that your cherished possession is taken care of. The benefits of Ford insurance cover is not just about financial protection; it's about peace of mind.
Understanding the unique aspects of classic car insurance
It's important for you to comprehend the unique features of classic Ford insurance, as they're quite different from a standard car insurance policy. You see, regular car insurance may not fully cover your motor, especially given its status as a classic car.
Take note, classic car insurance typically considers the 'agreed value' of your motor, not its actual cash value. That means you and your insurer agree on a value for your motor at the policy's inception. If there's a total loss, you'll receive that full agreed value, less any applicable excess. With Lancaster Insurance policies – agreed value is an optional extra at the cost of £18. It's a significant advantage over standard policies, which usually consider depreciation, costing you money in a total loss.
Classic car coverage often requires that your Ford Anglia meets specific usage and storage requirements. It's expected you don't use your classic car for daily commuting but rather for pleasure trips. It must also be securely stored when not in use. Check out our page for more information on classic Ford insurance.
Lastly, remember that age and condition matter. Your classic Ford needs to be in good condition and, in most cases, at least 25-30 years old to qualify for this kind of coverage. So, get familiar with these aspects and ensure your classic Ford Anglia is adequately covered to help save time.
Factors influencing the cost of classic Ford car insurance
Several factors can affect the cost of your classic car specialist cover. These include the car's value, your driving history, and the car's intended use. If the classic you own is in top condition and has a higher value, you'll likely pay a higher car insurance premium. However, a spotless driving record could offset some of that cost.
The way you intend to use your classic Ford is crucial too. If you're only using it for exhibitions or occasional drives, your premium may be lower. But, if it's your daily driver, insurers may consider it a higher risk, pushing up your premium.
Additionally, your post code plays a role. If you live in an area prone to theft or accidents, you're likely to face higher premiums. Conversely, secure storage for your classic car could lower your rates.
The age of your classic ford might impact your insurance costs too. Older models might be more expensive to insure due to the difficulty of sourcing parts in case of repairs.
Can adding modifications to my Ford impact my insurance policies?
Absolutely yes, adding modifications to your Ford Anglia can indeed impact your car insurance policy. While you might be excited about enhancing your beloved classic Ford with new modifications, it's crucial to understand how these changes might affect your insurance coverage.
When you add modifications to your vehicle, you're effectively altering it from the manufacturer's original specifications. This could increase its value, performance, or appeal to thieves - all factors that potentially heighten the risk profile of the vehicle in the eyes of insurers. As a result, you might find your insurance costs increasing after you've introduced these modifications.
However, it's not all doom and gloom. Some modifications could potentially reduce your insurance costs if they improve the safety or security of your motor. It's also worth noting that not all insurance providers view modifications in the same light - some may be more accommodating than others. It's always best to discuss any planned modifications with your insurer before going ahead with them. They can advise you on how the changes might affect your policy and help you avoid any unwelcome surprises down the line.
In short, while adding modifications to your Ford Anglia can make it uniquely yours, they can also have a significant impact on your car insurance. So, it's worth weighing up the pros and cons before you start making those changes.
Find the best classic Ford insurance deal
To get the best range of services on your classic car coverage, there's a need to invest time in comparing insurance policies. Don't rush into a policy without understanding what it covers and what it doesn't. It's crucial that you take your time to find the right coverage for your Ford Anglia, and here's how:
- Shop around: Lancaster Insurance have a panel of providers so are able to provide you with their most competitive price from them.
- Ask for discounts: Some providers offer discounts for classic car owners. Don't be shy to ask!
- Adjust your coverage: Tailoring your coverage to suit your needs can save you money. You don't need to pay for unnecessary extras.
- Increase your Excess: If you're confident in your driving, consider raising your excess. This can sometimes lower your premiums, but make sure you can afford the excess in the event of a claim.
- Maintain a good driving record: A clean driving record can lead to lower insurance rates. Drive carefully!
Get a quote for Ford Anglia insurance
To get a quote for your Ford Anglia or to receive a quote for any of our other insurance products, you can get a quote through our website by clicking here. If you would like to talk to one of our Ford Anglia agents, you can give us a call on 01480 484 826.
Lancaster is the insurance broker of choice for classic car owners providing cover for over 88,000 classic cars (as of May 2019).
We arrange classic car insurance for over 40% of all MG Bs on the road and over 30% of all Land Rover 88s and MG Midgets – proving that classic car owners place their trust in us.
At Lancaster Classic Car Insurance, we aim to find the best price for your individual cover needs. We appreciate the importance of recognising the true value of your classic car and our team will be happy to talk to you through our benefits, such as agreed valuations and salvage retention.
We will offer you a tailored policy, bespoke to your requirements – this can include cover for:
Lancaster Insurance is committed to supporting the classic car clubs.
Owners club members may enjoy discounts of up to 25% off their insurance premium (the level of discount offered by each insurer differs and is subject to underwriting criteria).
Some of the classic car clubswe currently partner with include MG Owners Club, MX5 Owners Club, VW Golf MK1 Owners Club, VW T25 Club and many more.
If your club isn’t on our Classic Car Club page or wish to partner with Lancaster Insurance please call 01480 220065 or visit our Classic Car Club page for more details.
At Lancaster we understand that not every situation is the same, especially when it comes to Classic Cars.
That is why in addition to our Lancaster Classic Car insurance, we also can arrange the below:
- Modified Classic Car Insurance
- Multi-vehicle Insurance
- Wedding Car Insurance
- Limited Mileage Insurance
- Laid Up Cover
- Two Year Agreed Valuation
If you would like to know more details regarding the above offers, please call us on please call us on 01480 484826 or click here and we’ll call you back at a time that’s best for you.
Are you passionate about Classic Cars?
Here at Lancaster, we not only provide Classic Car Insurance but we’re constantly looking for ways to support the Classic Car community at events, sponsorship's, giveaways and sharing care tips for classic vehicles.
We’ve partnered with the team at Meguiar’s to showcase one of their awesome products each month.
This time we’re featuring the Meguiar’s Ultimate Snow Foam contains a specialized Xtreme Cling foaming action that delivers an intense foam that sticks and clings to painted surfaces gently loosening road grime, dirt and contaminants.
Fine-tuned to carefully and thoroughly clean coated, waxed or sealed finishes while preserving protection and leaving a brilliant, swirl-free shine.
We will listen to your requirements for cover, and discuss the best options with our panel of expert underwriters, to see if we can cover your cherished vehicle.
Call our specialist team on 01480 484826 or we’ll call you back at a time that’s best for you and let Lancaster Insurance help you.
In May 2018 the Department for Transport announced that cars that were built more than 40 years ago exempt from MOT testing, with the option for owners to voluntarily have their car tested if they feel it needs checking.
At Lancaster Insurance, we have been proudly arranging classic car insurance for over 35 years.
Specialising in arranging cover for your cherished vehicle, our tailored and comprehensive policies are designed to protect your investment.
Lancaster Insurance has access to some of the most competitive classic car, vintage car and classic vehicle insurance schemes in the UK.
We work with carefully selected underwriters to enable us to offer both comprehensive and bespoke insurance solutions, with our customers in mind.
Using our wealth of experience and knowledge of the industry, we are able to quote for virtually every classic car available.
To speak to a member of our specialist classic car customer service team call 01480 484826 or we’ll call you back at a time that’s best for you.
Available benefits at a glance
- Car Club member discounts up to 25%
- Static Show Cover
- Historic Rally Cover
- Choice of repairer
- Salvage Retention
- Free EU cover up to 90 days
- Two Year Agreed Valuation
- Laid Up Cover Available*
- 24 Hour Claims Helpline
- UK Based Call Centre
- Limit Mileage Discounts
*(available for £18)
Why Choose Lancaster Classic Car Insurance?
- Classic Car That’s Hard to Insure?
- Classic Car MoT Exemptions
- Classic Car Insurance Quote
- Classic Car Insurance Discounts and Benefits:
- Car Club member discounts up to 25%
- Static Show Cover
- Historic Rally Cover
- Choice of repairer
- Salvage Retention
- Free EU cover up to 90 days
- Two Year Agreed Valuation available for £18
- Laid Up Cover Available
- 24 Hour Claims Helpline
- UK Based Call Centre
- Limit Mileage Discounts
Conclusion
Insuring a classic car isn't just a prudent decision, it's an absolute necessity. Classic cars, with their unique charm and nostalgic appeal, often carry hefty price tags. Any damage could result in a costly repair bill. By getting your classic car insured, you are essentially protecting your investment from unexpected incidents. So, don't let your precious vehicle be vulnerable to risks.
Insurance checklist:
Before you sign up for your Ford Anglia insurance, ensure the following:
- You have a clear understanding of the coverage
- You have considered the costs of insuring a classic car
- You have read and understood the terms and conditions of a classic cars policy
Frequently asked questions
Is a Ford Anglia a classic car?
Absolutely, the Ford Anglia is indeed considered a classic car. Produced by the Ford motor company between 1939 and 1967, this car holds a special place in automobile history. Its iconic design, combined with simple mechanics, makes it a favourite among classic car enthusiasts. The Ford Anglia's fame was further boosted when it featured in popular culture, most notably in the Harry Potter film series.
Is the Ford Anglia a rear-wheel drive vehicle?
Yes indeed, the Ford Anglia is a rear-wheel drive vehicle. This compact car, produced by Ford UK between 1939 and 1967, is well-renowned for its distinctive rearward-slanting window and slick design. Its rear-wheel drive configuration added to its charm, making it a favourite among classic ford enthusiasts. This feature not only enhances the car's balance and handling but also gives it a sporty feel.
What are limited mileage discounts?
Many classic insurance providers offer discounts for limited mileage. If you drive your motor only occasionally, you will be doing fewer miles therefore this can significantly lower your premium.
Ford owners club in the UK?
There are numerous members clubs in the UK that cater to enthusiasts of this iconic brand. These clubs bring together people who share a common love for Ford vehicles, providing them with a platform to exchange ideas, share experiences, and even showcase their own classic fords.
Whether you're an admirer of the classic ford such as the Ford Escort, Ford Cortina, Ford Capri or a fan of the modern Ford Fiesta, these clubs have something for everyone. Click here to check out our blog on the amazing story Neil Grubb and his Ford Cortina. Becoming a club member in the UK is not just about the cars; it's about being part of a enthusiasts club that shares your passion and is also a great chance to speak to fellow club members on topics such as classic Ford insurance.
Mechanical breakdowns covered depending on type of cover purchase, see full policy wording here.
When is a car classed as a classic car?
For us, defining a classic car is the million dollar question as it is almost impossible to define a ‘classic.’
It’s as much about the way a vehicle is treasured and loved as it about the age of the vehicle itself.
Whilst HMRC may define a car as a classic for BIK purposes when it reaches 15 years old, in practice, many younger cars (MGTF, MX5 etc) can be insured as a classic car if they are used in the true classic sense
What is the difference between classic car insurance and regular insurance?
Generally, classic car insurance is often cheaper due to the mileage being lower than that of a standard car and because the car is more likely to be well looked after by its owners.
We also offer a Limited Mileage Discount as well as other benefits such as a Two-Year Agreed Valuation and Club Member discounts for our classic car enthusiasts.
What is meant by an ‘agreed valuation’?
In the event of a total loss claim, the amount paid will be the sum agreed on the current valuation certificate less any policy excess.
At Lancaster, our expert Valuation Officer will review each of the valuation forms submitted to ensure that the vehicle has been valued correctly and is in line with the current market. We now offer a Two-Year Agreed Valuation meaning it’s only compulsory to complete the valuation process every 2 years.
You can of course, complete every year if you believe your valuation has changed. You can find out more on our Agreed Valuation page.
Why should you buy a classic car?
Buying a classic car is so much more than just an investment opportunity and often marks the start of a great adventure.
Purchasing a classic car can bring a great deal of excitement and enthusiasm - whether it’s the unique aroma or that classic interior, the distinct smell of Castrol oil, the look of admiration from passers-by, or simply the joy of ‘real’ driving – there are countless reasons to buy a classic car.
If you are wondering what makes a classic car valuable, have read of our recent article.
What are the most popular classic cars?
Checking out some of the top ten lists is a good place to start if you want some ideas for which classic car to buy.
We’ve pulled together a list of the top 10 classic cars we insure - which vehicles would make your list?
Lancaster Top 10 classic cars we insure
- MGB
- Mazda MX5
- Landrover 88 / 90
- MG Midget
- MG TF
- Volkswagen Golf
- Austin Mini
- LandRover Discovery
- Ford Escort
- Morris Minor
For more top ten lists, take a look at our recent blog.
Car insurance you can trust
Here at Lancaster Insurance, we want to ensure that our customers can pick up the phone or get in contact with us and trust the insurance specialists they're speaking with.
Your classic car is important to you, and that makes it important for our team to give you the best coverage and insurance for your beloved vehicle.
We don't want our customers to be put in a situation where they can't reach out to us to talk about their claims either.
That's why we have a dedicated 24-hour claims helpline for all Lancaster Insurance customers.
If you want to see what our customers have to say about us, take a look at our 5-star reviews on Trustpilot.
Car insurance to suit your needs
We want to make sure our customers have a great selection of benefits that will suit them in a range of different circumstances.
Lancaster Insurance offers worthwhile benefits such as Car club member discounts (up to 25%) and free EU cover up to 90 days.
We insure your vintage vehicle/classic car with our highly-rated classic car insurance regardless of whether your classic car is usually hard to cover with the right benefits.
Fill out our online form and talk to one of our dedicated specialists about your new or existing quote.
Vintage car insurance
Join over 85,000 classic car owners by using Lancaster Insurance.
Still not sure? Not only do we offer a wide range of benefits, discounts, and have a 24-hour claims support line, but our insurance policies provide value for our customers.
With our Agreed Value service, we ask you to submit photos and a form.
We then use our expert valuation team to agree the value of the vehicle. Once your value has been agreed, we guarantee the value of the vehicle, in the event of a total loss claim.
Most other insurance providers don’t provide this service for their customers, another reason why we’re proud of the insurance cover that we currently offer
Our insurance premiums for our classic cars are well trusted by our customers
Lancaster car insurance policy
While we insure classic cars/vintage vehicles, we are also classic car enthusiasts ourselves! We are always trying to find ways to support the classic car community through sponsorships, events, giveaways, and by sharing care tips for classic vehicles.
Insuring your classic car with Lancaster - Hard to insure cars
Sometimes, due to a number of reasons, you may have found that your classic car has been difficult to insure with the right benefits.
Here at Lancaster Insurance, we know that vintage car insurance that suits you may be difficult to come by.
We will discuss the best options for your vehicle with our panel of expert underwriters and evaluate whether we can offer a car insurance policy to suit your needs.
If you're looking at taking out a car insurance policy/vintage car insurance with us, call our specialist team on 01480 484826.
Alternatively, you can fill out our online form and we'll give you a call back.
Our car insurance guides
From classic car care tips, event news, classic car guides, classic vehicle focus articles, owner highlights, and car insurance guides we have a news page dedicated to keeping our customers and website users up-to-date with our latest company updates and helpful tips in regards to classic cars.
Take a look at our latest news to get a better and see what our classic car enthusiasts have been talking about!
Classic car cover
Car insurance policy holders know that comprehensive classic car cover is essential for your beloved vehicle.
The older a car gets, and the more mileage your car goes through each year, the need for a car insurance policy that you can trust increases.
Alternatively, you may have other vehicles, motorhomes, campervans, and 4x4s that you would like insuring as well.
Luckily, we have a range of insurance services available to cover you and your much loved vehicle.
Car insurance quotes - what to expect
We like to keep our car insurance quotes competitively priced for our customers to make the policy we offer affordable as a baseline for our standard car insurance.
If our competitive pricing, and list of benefits aren't enough to get you interested, take a look at everything else we offer as well:
- Modified Classic Car Insurance
- Multi-vehicle Insurance
- Wedding Car Insurance available
- Limited Mileage Insurance
- Laid Up Cover available
- Two Year Agreed Valuation
- Salvage Retention cover available.
- Static Car Show Cover available
If you're looking at taking out a car insurance policy/vintage car insurance with us, call our specialist team on 01480 484826.
Alternatively, you can click here and we'll give you a call back.
Insure your vintage vehicle - 5-star rated insurance
We have an Excellent rating on Trustpilot which we're extremely proud of.
We have been arranging car insurance for classic cars for over 35 years and we're happy to see that we're still delivering on our aim of offering competitively priced, quality vehicle insurance for all of our customers.
Lancaster's standard car insurance
Car insurance is essential for anyone who owns a car, so getting the right cover for your needs is extremely important.
If you're into the classics when it comes to your taste in cars and want to make sure you get the right kind of cover, you can be secure in knowing that over 885,000 others have made the decision to take out some form of car insurance/vehicle insurance with us!
Insurance for your classic car can often be cheaper than standard car insurance due to lower mileage and overall condition of the car, fill out our online form to find out how much your next policy for your classic car could be.
