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Classic Car Insurance

Got a classic vehicle? We’ve got insurance for that. Protect your pride and joy with Classic Car Insurance

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What is Classic Car Insurance?

Classic vehicles aren’t just any old vehicles. That’s why they aren’t covered by just any old insurance.

Classic Car Insurance offers specialised cover for your special set of wheels. This includes cover for accidental damage or loss, fire, theft, vandalism, third party property damage (up to $20 million) and more.

Which classic cars are covered?

A classic car is at least 15 years old and needs to be recognised by us as a classic vehicle to be covered. You can call us on 132 132 to find out if your car is recognised as a classic car.

We can cover your classic car for wedding and special occasion hire, as well as for your personal use.

Cover is available if you drive your car for less than 9,000km a year.

Insurance

What does Classic Car Insurance cover?

Here’s a summary of what’s covered, for anyone who drives your car3

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Included

  • Accidents
    We cover your car in an accident, plus other cars and property if you’re at fault.

  • Fire, storm & flood
    We cover your car if it’s damaged by severe weather1.

  • Towing
    We pay for towing to a repairer or safe place if your car can’t be driven after an event we cover (like an accident).

  • Personal items
    We cover personal items2 in your car if they’re stolen or damaged in an accident (up to $1,000).

  • Theft & vandalism
    We cover your car if it’s stolen, vandalised, or damaged by someone trying to steal it.

  • Damage to others' property
    We cover up to $20 million of damage you cause to other people’s cars or property in an accident.

  • Emergency repairs
    We pay for repairs you need to make after an event we cover so your car’s secure and safe to drive (up to $1,000).

  • Windscreen, sunroof & window damage
    We cover glass (including tinting). If glass is the only thing damaged by a covered event, you won't have to pay an excess provided you let us know and we arrange the repairs.

Not included

There are some things we don’t cover

  • Business use
    We don’t cover your car if you use it for earning income or business purposes other than wedding or special occasion hire.

  • Injuries to you or others
    Injuries are covered by your mandatory CTP Insurance.

  • Roadside assistance
    We don’t cover assistance for breakdowns, dead batteries or flat tyres.

Why choose NRMA Classic Car Insurance?

Lifetime guarantee

We guarantee the workmanship of all authorised repairs to your car or your home4

Award-winning insurance

You'll be choosing Australia's most trusted insurance brand5

100 years of help

With a century of experience, we know how to protect the things you care about

Existing customers

Manage your policy online wherever you are, whenever you want

Renew your policy
Manage regular payments
Make a claim

Make sure to read our policy booklets

They’ll give you the details on limits, conditions, exclusions and more

Product Disclosure Statement
Target Market Determination
Premium, Excess & Discounts Guide

They’ll give you details on limits, conditions, exclusions and more

Important note for customers in NSW, QLD, TAS & ACT. If you purchased your policy before 21 April 2024 and you either haven't renewed it yet or you last renewed it before 1 July 2024, your cover will be different to the cover described above. Read the Product Disclosure Statement (PDS) relevant to your policy on our policy booklets page, or call us on 132 132 for more information.

Want to insure another car?

Learn more about our car insurance policies to find the cover you’re looking for.

See car insurance

Protect your other vehicles with NRMA car insurance

Cover for a wide range of things that can damage or destroy your car, including accidental damage, collision or crash, vandalism, theft, fire and severe weather.

Compulsory Third Party Insurance for your car if you’re in NSW or SA (or MAI Insurance in the ACT). This covers injuries to other people if you cause an accident on the road.

Cover for your car if it's stolen or catches fire, as well as cover for damage to other people's cars and property if you cause an accident.

Cover for damage you cause to other people's cars or property in an accident, as well as damage to your car by an uninsured driver. This doesn’t cover fire or theft.e policy. Your car will be covered for collision damage, accidental damage to other people’s property, as well as vandalism, theft, fire and severe weather. But with this level of cover, you can’t add any extras.

Learn more about Classic Car Insurance

Give us a call on 132 132 to insure your vintage or classic car

Call 132 132

Find out how to manage your payments and renewals

Learn about payments

Make a claim anytime, anywhere through our 24/7 claims helpline on 131 123

Learn about claims
FAQs

Classic Car Insurance FAQs

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What’s the difference between car insurance and Classic Car Insurance?

For veteran, vintage and classic cars , we offer a specialised type of insurance called Classic Car Insurance. 

For cars that are not considered veteran, vintage or classic, we offer a range of car insurance products, including Comprehensive Car Insurance, Compulsory Third Party (CTP) Insurance, Third Party Fire & Theft Insurance and Third Party Property Damage Insurance.

When is a car considered a classic car for insurance?

You can call us on 132 132 to find out if your car is recognised as a classic car.

What is the agreed value of my classic car?

The agreed value that applies to your classic car is shown on your current Certificate of Insurance.

 

Do I need to add occasional drivers to my policy?

We cover anyone who drives your car, even if you haven't nominated them on your policy3.

An additional excess (known as an 'undisclosed driver age excess') applies if the driver is under 25 years of age. You won't pay this excess if the driver's a learner and was appropriately supervised by a fully licensed driver over the age of 25.

An additional excess (known as an 'undisclosed driver excess') applies where the driver is 25 years of age or older and is not listed on your policy.

You won't have to pay either of these additional excesses if the driver is listed on your policy.

If a learner driver uses my car, do I need to list them on my policy?

You don’t need to list a learner driver on your policy unless they’re the registered owner of the car. If you need to pay an excess, we’ll base it on the details of the supervising driver.

Who repairs my car if it’s damaged?

If your car’s damaged and we decide it can be repaired, you can have it fixed by a repairer we arrange for you.

We’ll help find a repairer that's convenient for you. We’ll manage the repair process with them so you don’t have to worry.

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Need help?

We’re here for you. Call us on 132 132.

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Learn about us

Learn more about who we are and how we’re making a difference.

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Things you should know

  1. We may not cover you for some severe weather events during an embargo period (which is usually when we know a severe weather event is about to occur). We’ll tell you if there’s an embargo when you purchase your policy.

  2. We don’t cover some personal items like cash, mobile phones or accessories fitted to your vehicle.

  3. Cover is subject to standard underwriting guidelines and policy terms. Additional excesses may apply for undisclosed drivers, including for drivers under 25.

  4. For as long as you own the car.

  5. NRMA Insurance was awarded the Roy Morgan Most Trusted General Insurance Brand in 2022, 2023, 2024 and 2025.