Does Towergate offer classic car insurance?

Does Towergate offer classic car insurance?

If you’re looking for specialist insurance for your classic car, Towergate may be able to help

What kind of insurance does Towergate offer?

The good news is that Towergate acquired classic vehicle insurance specialist Footman James in 2013. Through Footman James, Towergate is able to offer a wide range of classic car insurance policies, including replica and kit cars, competition cars, wedding and funeral hire, and most importantly classic cars and motorcycles.

What kind of classic insurance is available?

Amongst the policies that Towergate offers through Footman James is FJ+ which allows you to create your own policy from the options that suit your needs. Amongst the options available is agreed value, a drive to work policy, legal protection up to £100,000, track day cover and FJ Rescue breakdown cover provided by the RAC.

Footman James has also established links with a number of classic car clubs which offer discounted rates, a multi-car discount is also available and they can also offer cover for high-value vehicles too.

What kind of car qualifies as a classic?

Although Towergate says the basic qualification for classic car insurance is that the car is 20 years old (made before 1998), cars from particular marques or those that qualify for membership of certain owners clubs may also be eligible. The best option is to get in touch with the details of your car and see if they can assist.

How much does insurance from Towergate cost?

As with any insurance quote many factors influence the final figure, particularly with classic car insurance where the valuation of a vehicle can vary on its age and condition. The below examples are based on a limited mileage policy with the recommended excess figure.

How do I make a claim?

Through its links with Footman James, Towergate has a dedicated helpline specifically set up to serve customers making a claim, with complete details of how to contact them show on the policy documents.

Ask HJ

What's the best way to insure a young driver on a classic car policy?

We're having difficulty finding insurance for my son for a 1970 Ford Mustang Couple, left hand drive, 5.7-litre engine. He's 21 and has been driving for three years. He'll be doing less than a 1000 miles a year in it. Are there any insurance brokers you can recommend that specialise in this area?

Adrian Flux, Heritage and Footman James all have young driver policies - but insuring a young driver on a 5.7-litre Mustang is always going to be a tough ask. You might find it easier and cheaper to get insurance for a classic with a smaller engine.

Answered by Keith Moody

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