VW Beetle Insurance
You're a proud owner of a VW Beetle, but do you understand your insurance policy? It's not just a legal requirement; it's your financial safety net.
You'll learn about the importance of having adequate insurance, types of coverage, and how to navigate cost factors. We'll even throw in some money-saving tips and real-life case studies.
Don't leave your Beetle's protection to chance. Let's get you fully covered.
Understanding the importance of adequate VW Beetle car insurance
You're probably wondering why it's so important to have adequate insurance for your VW Beetle. Well, think about it. Accidents happen, and they're often unpredictable. Without proper coverage, you could be facing hefty repair costs or even the loss of your beloved vehicle, all out of pocket.
But it's not only about accidents. Your VW Beetle is a classic, a beauty. It's not just any car, it has a history and a value that goes beyond the regular market price. What if it gets stolen or vandalised? What if a storm damages it? These are scenarios you don't want to think about, but they're possible. That's why insurance matters.
It's also about peace of mind. Knowing you're covered lets you enjoy your Beetle worry-free. You can take that scenic drive or road trip without constantly thinking about what could go wrong. It's about protecting your investment, your passion, and your peace of mind.
Deciphering the different types of VW Beetle car insurance coverage
Understanding the various types of coverage can feel like a puzzle, but it's vital to ensure your car's protection. When it comes to insuring your VW Beetle, you've got a few different options.
Here's a quick breakdown to help you get started:
Type of Coverage |
What's covered |
|
Third party, fire and theft
|
Damage you cause to other vehicles, fire and/or theft claims |
|
Comprehensive
|
Damage you cause to others, damage to your car from an incident, also including theft and fire claims. |
Navigating the cost factors of VW Beetle car insurance
Let's dive into the various factors that can influence the cost of your VW Beetle's insurance coverage. Insurers don't just pull numbers out of thin air. They look at several different aspects to calculate your premium.
First off, your personal details play a big role. Your age and driving history can all affect your insurance rates. Younger drivers and those with a history of accidents or traffic violations are generally seen as risky, which means you'll pay more.
Your car's details also matter. While the VW Beetle isn't a sports car, it's still a popular model. That can lead to higher premiums because it's more likely to be stolen or vandalised.
Are Volkswagen Beetles expensive to insure?
Are VW Beetles expensive to insure? This is a common question among potential Beetle owners, and the answer can vary depending on a variety of factors. The Volkswagen Beetle, with its iconic shape and history of reliability, is a popular choice for many classic car buyers.
On average, car insurance premiums for a classic VW is considered a moderate. However, insurance groups will consider other factors like your location, driving history, age, and the specific model year of the Beetle.
The Volkswagen Beetle's insurance rate is influenced by its features, repair costs, and the likelihood of theft.
A VW Beetle is not necessarily expensive to insure compared to other vehicles in their class, but it is important to choose the right insurance to ensure peace of mind. It's always good to speak to others to get more insight into the subject so feel free to check out our blog on best VW owners clubs in the UK.
Tips for saving money on your VW Beetle insurance
To keep your coverage costs down, there are several strategies you can employ. First, consider raising your excess. Higher excesses can mean lower premiums, but you'll need to have the cash on hand to cover the excess if you make a claim. Next, you might think about bundling your insurance. If you have multiple policies, like home and auto, with the same company, you can often get a discount.
Here are some additional tips to further decrease your insurance costs:
Tips for saving |
What's covered |
|
Good driving record
|
Insurers consider safe drivers less risky, so they're often rewarded with lower premiums |
|
Install safety measures |
Enhanced safety features can sometimes lower your excess payable by reducing the chance of theft |
|
Annual mileage |
The less you drive, the less risk you pose, potentially lowering your costs |
|
Shop around
|
Utilise an insurance intermediary like Lancaster Insurance who can source their most competitive premium from a panel of providers |
Why it's important to get the right cover for a classic VW Beetle?
Classic cars are not just vehicles; they're an investment, often appreciating in value over time. Unlike modern vehicles, which depreciate as soon as they're driven off the lot, these vehicles can become more valuable as they age. Getting the right insurance cover protects this investment and ensures you don't lose money if the vehicle is damaged or stolen.
Furthermore, classics are often more susceptible to damage. They may not have the advanced safety features found in modern cars, making them more prone to accidents. Their parts can be rare and expensive to replace, and they may even require specialised repair services which can be costly. Insuring your Volkswagen Beetle can help cover a range of these costs, ensuring your vehicle stays in top condition without draining your wallet.
So while cruising down the road in your VW may make you feel like you're living in a different era, it's important to remember that we're in the 21st century where accidents and thefts are sadly a reality. Volkswagen Beetle insurance isn't just a smart move; it's an essential one for safeguarding your VW.
Get a quote for Volkswagen Beetle insurance
To get a quote for your classic Beetle 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 VW Beetle agents, you can give us a call on 01480 484 826.
Case studies: real-life scenarios of VW Beetle insurance claims
You're about to explore real-life scenarios where owners reported claims for their beloved compact cars. Let's dive into the world of VW Beetle insurance claims.
Imagine you're cruising in your vintage Beetle when a deer bolts into the road. You swerve, avoid the deer, but hit a tree. You're shaken, but thankfully unharmed. Your Beetle, however, is not. It has severe body damage that necessitates a hefty claim.
In another instance, you've parked your Beetle outside your apartment. Overnight, a hailstorm pummels your car. The following morning, you're greeted by a pockmarked Beetle. It's a heart-wrenching sight, but you've got comprehensive coverage. You report a claim, and your insurance helps cover the repair costs.
Lastly, let's say you've lent your Beetle to a friend. They're a bit careless and end up rear-ending another vehicle. The damage is extensive, but you've got comprehensive coverage. You report a claim and your insurance takes care of the expenses.
These scenarios illustrate why your Beetle needs insurance. It's not just about obeying the law, it's about safeguarding your cherished compact car. With the right coverage, you can easily navigate life's unpredictable roads.
Conclusion
Well, it's not just about protecting your investment against theft or damage. It's also about preserving a piece of automotive history. The right insurance policy can offer peace of mind, ensuring that your beloved classic is covered in case of unforeseen circumstances.
So, cherish your classic car with the protection it deserves.
Insurance checklist:
Before you sign up for your VW Beetle 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
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
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.
Without a doubt, the VW Beetle is indeed a classic car. Its iconic rounded shape, rear-mounted engine and affordability resonated with the masses, catapulting it to an unprecedented popularity in the automobile world.
Launched in the 1930s, the Beetle was designed to be the "people's car". It has transcended eras, tastes and socio-economic classes, becoming a symbol of simplicity and functionality. Its charm lies in its timeless design and reliability. In April 2023, 85 years of the Beetle was celebrated and you can check out our blog for 85 facts about it's history.
Yes indeed, the iconic VW Beetle is a rear-wheel drive vehicle. This design aspect is actually one of the reasons that made the vehicle so unique and popular. The rear-wheel drive layout contributes to the car's weight being balanced more evenly, which in turn enhances its handling and stability.
So, is the VW Beetle a rear-wheel drive vehicle? Absolutely! It's one of the many features that has allowed this car to carve out a permanent spot in automotive history.
Yes, adding modifications to your VW Beetle can indeed impact your car insurance premiums. Insurers typically view modifications as an added risk, which could potentially increase your insurance policy premium.
This is because a modified VW may make your car more attractive to thieves or increase the likelihood of an accident. Whether it's a performance upgrade or aesthetic enhancement, it's crucial to inform your insurer about any changes you make to your Volkswagen Beetle.
Failing to do so could potentially invalidate your policy. So, remember, when it comes to modifying your VW Beetle and car insurance, honesty is always the best policy.
Many classic insurance providers offer discounts for limited mileage. If you drive your car only occasionally, you will be doing fewer miles therefore this can significantly lower your premium.
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.
