Personal
Cover that knows what your classic is worth.
Agreed-value cover for classic and vintage cars — so a write-off pays out what it's really worth, not a depreciated guess.
- Agreed value
- Show and club use
- Limited-use savings
A classic or vintage car is never "just a car" — it's years of restoration, a story, and often worth more than its logbook value suggests. Standard motor cover settles claims at market value, which can badly short-change a well-kept classic. Classic car insurance is built around agreed value instead, so you and the insurer settle on what the car is really worth before anything goes wrong.
As independent brokers, Ample arranges classic and vintage car cover across South Africa's leading insurers, tailored to how these cars are actually used — weekend drives, club meets and shows like the Pretoria Old Motor Club's Cars in the Park, not the daily commute.
What Classic Cars covers
Agreed value
A pre-agreed payout set with you upfront, so a total loss is settled at what your classic is truly worth — not a depreciated market guess.
Show and club use
Cover that allows for club meets, shows and rallies, not just everyday driving.
Limited-use savings
Lower premiums for cars driven occasionally rather than daily — reflecting the real risk of a weekend classic.
Spares and modifications
Cover extended to genuine spares in storage and period-correct modifications, not just the car on the road.
Specialist repairers
Claims handled with restorers and panel shops who know how to work on a classic, not a standard write-off shop.
Transport and storage
Cover while your car is being transported to a show or held in secure storage.
Who classic cars is for
- Owners of classic, vintage and collectible cars
- Restorers with a car mid-project or spares in storage
- Club members who show and rally rather than commute
- Collectors insuring more than one vehicle
Classic Cars FAQs
What counts as a classic car?
Most insurers consider a car 20+ years old, or any vehicle with genuine collector or vintage status regardless of age. We'll confirm exactly how your insurer defines it.
What is "agreed value" and why does it matter?
It's a payout figure you and the insurer agree upfront, based on the car's real condition and value. Without it, a claim is settled at standard market value — which can badly undervalue a well-restored classic.
Can I still drive my classic regularly?
Yes, though most classic policies assume limited or weekend use in exchange for a lower premium. Tell us how you actually use the car and we'll match the right policy.
Does cover include car shows and club events?
Yes — classic car policies are built around shows, rallies and club meets like the Pretoria Old Motor Club's Cars in the Park, not just point-to-point driving.
This page is general information, not financial advice. Cover varies by policy and provider — your dedicated Ample broker tailors it to your needs.
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