Heritage Insurance

Heritage Insurance is a vehicle insurance broker offering cover for classic cars and several other vehicle types through a panel of insurers.

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Quick overview

Its services include multi-car policies, laid-up insurance and optional additional cover.

Classic car insurance includes vintage cars and modern classics, with options for named and temporary additional drivers.
Campervan cover includes classic, modern and converted campers, while motorhome insurance is also available.
Motorcycle services include classic mopeds and multi-bike and multi-rider options.
Kit car, classic 4x4, modified 4x4 and ex-military vehicle policies are available.
The website offers guides, frequently asked questions and a customer portal for documents and policy requests.

Introduction

Heritage Insurance is a vehicle insurance broker that arranges cover through a panel of insurers. Its services include insurance for classic cars and other vehicle types.

The range includes campervans, motorcycles, kit cars and 4x4s, alongside multi-car and laid-up policies.

What Heritage Insurance offers

Heritage Insurance arranges cover for vintage and modern classics as well as modified and decommissioned vehicles.

Some policies include cover for modifications, spare parts or attendance at vehicle events. The details depend on the type of policy.

Product and service categories

Classic car insurance

Classic car cover includes vintage cars and modern classics. The classic car policy can cover cosmetic changes and mechanical upgrades. Named drivers can be included, and temporary additional driver cover is also available. Mileage limit options vary by insurer.

Campervan and motorhome insurance

Heritage arranges insurance for classic and modern campervans, converted vans and motorhomes. Converted or self-built campers can be insured in most cases, provided the conversion and who carried it out are disclosed. Depending on the vehicle, insurer and policy terms, campervan cover can include personal belongings, shows and events, and wedding hire.

Classic bike and motorcycle insurance

Motorcycle cover includes classic and retro bikes, some modern bikes and imported motorcycles. Heritage also offers classic moped insurance. Multi-bike and multi-rider policies are available, including options for up to four riders on one bike or four bikes with one rider.

Multi-car insurance

A multi-car policy can include classic and modern cars, motorcycles, campervans, vans and motorhomes. At least one vehicle must be a classic or another qualifying vehicle. Vehicles must be registered to a person at the same address, and the policy can cover up to five drivers. Vehicles can be added as their existing policies come up for renewal.

Kit car insurance

Kit car options include comprehensive and parts-only cover. Parts-only cover includes replacement parts but not labour. Spare parts cover is included, and cover for shows, rallies and events applies to marshalled, non-racing events. Part-complete kit cars can also be covered during a build.

Classic 4x4 insurance

The classic 4x4 scheme is open to vehicles over ten years old. It can cover modifications including roll cages, seating and suspension changes, and engine changes. A vehicle on this policy must meet the insurer’s classic criteria, be a second vehicle and not be driven off-road.

Modified 4x4 insurance

Heritage also offers a separate policy for modified 4x4s. It can cover modifications, lifts and off-road upgrades. The cover includes off-road and green lane driving.

Ex-military vehicle insurance

Cover is available for decommissioned military vehicles, including cars, trucks, tanks and tracked armoured personnel carriers. Related equipment such as trailers and field guns can also be covered, subject to insurer terms and conditions. The vehicle must be at least ten years old for an ex-military vehicle policy. Cover for rallies, shows and events is available.

Laid-up and SORN insurance

Laid-up cover is available for vehicles that are off the road, including classic cars, campervans, motorhomes and classic motorcycles. It includes accidental damage, fire and theft cover. Heritage requires a car on its laid-up and SORN car policy to be garaged throughout the policy. Laid-up cover can be changed to road cover when the vehicle is ready to be driven again.

Browse the full range on the Heritage Insurance website.

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Using the website

The website has a search feature, classic car and insurance guides, a blog and frequently asked questions. It also offers a customer portal for accessing documents and making policy requests. Shoppers can contact the team by message or request a callback.

Notable features

Heritage offers road rescue breakdown cover, key protection and motor legal cover as additional options. The classic 4x4 policy includes salvage retention as standard. For classic car policies, the merchant also offers cover for temporary additional drivers.

Frequently asked questions

Can Heritage insure a self-built campervan?

In most cases, yes. Heritage asks for details of what the conversion involves and who carried it out.

Does Heritage offer classic moped insurance?

Yes. Classic mopeds can be insured through its classic motorbike insurance services.

Can a kit car be insured before it is finished?

Yes, a part-complete kit car can be covered during the build. The site says this applies to a car in a garage or off-site.

Can modern vehicles be included in a multi-car policy?

Yes, modern cars and other vehicle types can be included. At least one vehicle on the policy must be a classic or another qualifying vehicle.

Can a temporary driver be added to a classic car policy?

Heritage offers cover for temporary additional drivers. It also allows policyholders to choose named drivers for a classic car policy.

Does laid-up car cover include road use?

No, laid-up cover does not provide road cover. Heritage says laid-up cover can be changed to road cover when the vehicle is ready to be driven again.

Key takeaways

Heritage Insurance arranges vehicle cover through a panel of insurers.
Policies include classic cars, campervans, motorcycles, kit cars and 4x4s.
Multi-car cover can include several vehicle types, provided at least one is a classic or another qualifying vehicle.
Laid-up insurance includes accidental damage, fire and theft cover for vehicles off the road.
Additional options include breakdown, key protection and motor legal cover.

Summary

Heritage Insurance offers a range of vehicle insurance services, from classic car and motorcycle policies to cover for campervans, modified 4x4s and ex-military vehicles. Its website also provides guides, FAQs and a customer portal.