Before 1940

Pre-War Classic Car Insurance

The rarest and most valuable classics. Pre-war vehicles demand specialist agreed-value protection.

Before 1940: An Era Overview

Pre-war vehicles — those manufactured before 1940 — represent the earliest era of motoring history and command exceptional prices at auction globally. In South Africa, pre-war Bentleys, Rolls-Royces, Bugattis and early Fords are found in private collections and museums. These vehicles are almost always show and event cars rather than regular drivers, requiring specialist policies that cover concours attendance, show transport and storage. Values are highly individual and require specialist appraisal.

Era Characteristics

Hand-built construction
Mechanical drum brakes
Pre-safety glass
Fabric or wood body elements
Right-hand throttle pedal (some)

Classic Models from This Era

Bentley 4.5 Litre

Rolls-Royce Phantom I/II

Ford Model A

Packard Super Eight

Bugatti Type 35

Value Trend

Consistently appreciating — particularly original, unrestored examples

Agreed value cover is essential — an undervalued policy cannot protect an appreciating classic.

Insurance Tips

Specialist appraiser essential — values highly individual
Cover for show transport and flatbed recovery
Limited driving miles typically under 1,000km per year
Storage conditions closely scrutinised by insurers

Frequently Asked Questions

Can I insure a pre-war vehicle for road use in South Africa?

Yes. Pre-war vehicles can be registered and driven on South African roads, subject to roadworthy requirements. Specialist brokers can cover these vehicles for limited road use, show attendance and club events. Annual mileage limits of 500–2,000km are typical.

How are pre-war vehicles valued for insurance purposes?

Pre-war vehicles require appraisal by a specialist with specific knowledge of the marque and era. Auction results, condition reports and historical documentation all contribute to establishing agreed value. An independent appraisal is strongly recommended every two to three years.

Is a pre-war vehicle more expensive to insure?

Not necessarily as a proportion of value — specialist classic car insurance is often very competitive relative to vehicle value. The premium is driven by agreed value, annual mileage, storage quality and security provisions.