Classic VW Insurance

The exact costs of every policy will vary depending on its make and model. If you’re on the market for classic VW insurance, you’ll need our expert advice for a fuller picture. No two policies are the same either. Instead, each policy will be tailored to your specific circumstances and the details of your car.

Typically, your premium will be influenced by a number of factors, including the specific make and model of your classic VW. A quote for classic VW insurance will also capture the modifications, mileage, and history of your vehicle.

• VW Golf Classic
• VW Golf Classic
• Golf GTI
• MK1 Golf
• MK2 Golf
• Karmann Gia
• VW Type 3
• VW Type 34
• VW Type 181

In order for Agreed Value policies to go ahead and a valuation to be approved, we need several photographs and receipts for parts / labour. This gives us the evidence we need of any upgrades and restorations that have been applied to your Classic Car. We will then review these and send you an Agreed Value certificate.

We offer owner’s club discounts, discounts for limited mileage, and discounts for after-market security applied to your vehicle.

According to HMRC, a ‘classic car’ is defined as a car that is older than 15 years with a value of £15,000 or more. However, what constitutes a classic car from an insurance perspective can vary between providers.

We feel at Just Kampers Insurance that one size does not fit all. Classic cars have a large and enthusiastic following around the world. They’re not like everyday, ‘normal’ cars, similarly to the way in which classic car owners are not like other motorists. This is why it is important to find an insurance policy that fits within your specific requirements.

As a gneral rule of thumb, your vehicle will become tax-exempt when it reaches the age of 40. If your vehicle is listed on the V5C registration certificate (log book) as “first registered” more than 40 years ago (i.e. 1982) and is one of the qualifying vehicles mentioned in the DVLA leaflet INF34, you can tax it under the ‘historic vehicle’ tax class starting from 1 April.

The DVLA provides a few days of grace at the end of the year for vehicles with “first registered” dates up to and including 7 January 1983 to qualify for tax exemption.

Currently, a vehicle that was “first registered” on or before 7 January 1983 will be considered by the DVLA as built in 1982, making it tax exempt from 1 April 2023.

If your vehicle was “first registered” after this date but before 31 December 1983, you will have to wait until 1 April 2024.

Vehicles that are younger than 40 years old become eligible for historic vehicle tax in the April following the year they turn 40.

For instance, a vehicle “first registered” in February 1983 will be eligible for historic vehicle tax from 1 April 2024.

The Department for Transport (DfT) states that cars 40 years and older no longer have to undergo their annual roadworthiness check, known to most as an MOT.

Prior to the rule change which was announced May 2018. Only vehicles built or first registered before 1960 were MOT exempt, which accounted for almost 200,000 cars on the road at the time. This number has increased dramatically – as many as 300,000 extra cars became MOT exempt as a direct result of the changes. 

Classic car MOT exemption does not apply to vehicles that have undergone significant modification – or ‘substantial change’ – in the past 30 years. Click here to view the Historic (classic) vehicles: MOT exemption criteria.

Generally, classic cars can be cheaper to insure, but this depends on the vehicle and its usage. With a Just Kampers Insurance policy, we can apply Limited Mileage Discounts, which can assist in keeping costs down. Every Classic car and owner is different so we would highly recommend you speak to our specialist team to discuss your requirements and get the best possible policy that suits you and your Classic’s usage.