Classic Car Insurance in Northern Ireland

Cover for your pride and joy in Northern Ireland

How to get classic car insurance from Sterling NI

Give us a call

Our best quotes are over the phone. Just tell us a few details about yourself and your classic car, and we’ll ask the right questions to get you the cover that fits. No jargon, no fuss, just a straightforward chat. 

Choose from our optional extras

We know how important it is for classic car owners in Northern Ireland to get the right cover. That’s why we provide plenty of optional extras, including agreed value insurance, build-up or laid-up cover, breakdown cover for older cars, keycare, and windscreen cover.

We ask the right questions

We know the information that makes you more attractive to insurers, allowing us to ask the right questions to ultimately reward you with cover that more accurately reflects your driving history.

Classic Car Insurance for Northern Ireland Residents from just £185

Get classic car insurance from the experts

Finding the right insurance for classic cars is not always straightforward, and we know that. Every quote is handled by a real person who will take the time to understand your car and your situation. Whether you own a Mazda MX-5, a Golf GT1 MK1, a Porsche Boxster, or something a little more unusual, we cover all types of classic and vintage cars across Northern Ireland.

Why choose Sterling NI for classic car insurance?

Whether you own a classic car you’ve restored to its former glory or you’ve modernised its interior with new technology, we have a classic car insurance policy to suit your needs.

Cover for all types of classic and vintage cars

We cover vintage, pre and post-War models, classic cars, future classics, and modern classics across Northern Ireland. Plenty of our team are car enthusiasts themselves, and we know the right questions to help you get the right policy, taking into account considerations like whether you’re a member of a car club or you attend car shows.

Agreed value cover

When you put real time and money into a vehicle, you want to know it is properly protected. With agreed value cover, we work with you to agree on the value of the car at the start of the policy. If the worst happens, you claim the pre-agreed value amount, not whatever the market says your car is worth on that particular day.  This means that if your cherished car is involved in a total loss, you can claim the vehicle’s pre-agreed value rather than its current market value at the time of the loss.

A team ready to listen

We are not here to talk at you. Give us a call, tell us your story, and we will ask the questions that actually matter for your situation. That is how we help find you better cover: by understanding you, not just your postcode.

Cover that fits your circumstances

We cover all types of classic car enthusiasts in Northern Ireland, including collectors, owners, traders, and young drivers with a passion for older cars. Whether you are insuring your first classic or adding to a collection, we are ready to chat.

Access to a wide range of insurers

Our experience in the industry means we can search across a wide panel of insurers to find you a more competitive classic car insurance quote than you might find on a standard comparison site.

Speak with us directly

Choose whether you want to get an online quote or speak with us over the phone. When you call us, you get the attention of one of our insurance experts. And, as we know what makes you more attractive in the eyes of insurers, we can ask the right questions to ultimately reward you with cover that more accurately reflects your driving history.

Versatile breakdown cover

Our breakdown insurance covers cars of any age, including vehicles over the age of 40. We can also cover you in Europe, whether you’re travelling with family or for club gatherings.

Which type of insurance should I get?​

Fully comprehensive

This is the highest level of protection you can get and protects your vehicle regardless of who is at fault. It can often be more competitively priced than the lower levels of cover on offer, so it’s always worth getting a quote.

Third-party, fire and theft

This covers damage to other people, their cars and their property, as well as your vehicle in the event it gets stolen or damaged by fire.

Third-party only

This will only cover damage to other people, their car, or their property in the event of an incident. This cover is the minimum level of coverage you must get.

Get a quote with us!

It’s easy

Frequently asked questions

When does a car become a classic for insurance?

This depends on who you ask. Although most consider cars that are over 40 years of age a classic, we also consider more modern vehicles as classic cars. If, for instance, your car has been discontinued, is in limited supply or has a cult following, this could make it eligible for a classic car insurance policy.

Does my car qualify for classic car insurance?

Even if you own an old car and don’t consider it a classic, you could benefit from a classic car insurance policy. If you’re in doubt, it’s a good idea to call us for a quote and we can look into your case.

Is classic car insurance more affordable?
It can be, yes, though this depends on factors like the car’s performance, how it is used and your driving history. Classic car insurance also tends to include extras that are a lot more relevant to older vehicles, such as agreed value cover and specialist breakdown assistance.
Can a young driver get classic car insurance in Northern Ireland?
Yes. We cover all kinds of drivers, including younger enthusiasts who have a classic or modern classic car. The best thing to do is call us; we will ask the right questions and find out what works for your circumstances.

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