Classic - Normal Whats the diference?

As my title says really what are the differences between classic and normal insurance?

cheers

alex

There's no definite fixed meaning, but normally a 'classic' car policy will be like this:

* Car must be a certain age, or a certain make/model. (See note)
* car must be not be a daily driver
* Therefore, NCB is only used as guidance to risk, not giving a defined % bonus as in normal (main car) insurance
* Limited mileage clause
* Probably unable to get business cover, although there are exceptions

Note, different insurers define a 'classic' car differently. For example almost all will recognise any car over 25 years old as a classic. But then when its younger, they might have a list of make/model which they'd accept as a classic. When I first looked for insurance, my Mk1 Golf was 24 and certain insurers couldn't accept it as a classic. They did however fully accept other 'underage' cars such as Mercedes coupe, Ferrari, Porsche, etc as classics. Sometimes companies widen it to over 10 years, or 15, or whatever.

Cheers paul