The cost of classic car insurance depends on several factors, including the vehicle's age, make, model, value, storage arrangements, annual mileage and your driving history. Coverage selections and insurer requirements will also influence the premium. At Sandco, we can discuss your vehicle and insurance needs to help you explore suitable coverage options and obtain a quote. 

Agreed value coverage is an arrangement where you and your insurance provider agree on the insured value of your classic car when the policy is established. If the vehicle is declared a total loss due to a covered incident, the agreed amount is generally paid rather than a depreciated market value, subject to the policy's terms and conditions. This can be particularly important for classic cars that appreciate in value over time. Contact Sandco to discuss your vehicle's valuation and whether agreed value coverage is available and appropriate for your needs.

A classic car is generally considered a vehicle that is at least 20–25 years old, although age requirements vary between insurance providers. Some insurers also consider the vehicle's historical significance, rarity, condition and collectibility. If you're unsure whether your vehicle qualifies, contact Sandco Insurance. We can discuss your vehicle, understand your needs and help identify suitable coverage options.

Some classic car insurers require vehicles to be stored in a secure, enclosed garage when not in use. This helps reduce the risk of theft, vandalism and weather-related damage. However, storage requirements vary between providers. Let Sandco know where and how you store your vehicle so we can discuss the available insurance options and any applicable storage requirements.

Yes. Some insurers offer multi-vehicle or collection policies that allow owners to insure several classic cars under one arrangement. This can simplify policy management and may provide cost savings compared with insuring each vehicle separately. If you own multiple classic or collector vehicles, contact Sandco to discuss your collection, individual vehicle values and coverage requirements. We can help explore whether a multi-vehicle policy is suitable for your needs.