Limited Mileage Cover
Lower premium for vehicles driven fewer than 5,000km per year. Most collectors qualify.
Limited mileage cover reflects the reality of classic car ownership: most collectors drive their vehicles far less than standard motor policies assume. By declaring an annual mileage cap — typically 5,000km or under — you demonstrate lower risk exposure and receive a correspondingly lower premium. Mileage is typically verified through odometer readings at the start and end of the policy year. If you approach your mileage limit, your broker can arrange a top-up.
Why This Matters for Classic Car Owners
Classic car insurance is a specialist product. Standard motor insurance was designed for vehicles that depreciate — not for collector cars that hold or increase in value. Limited Mileage Cover is one of the key protections that separates a proper classic car policy from a standard motor policy.
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