Classic Car
Specialist insurance for classic, vintage, and enthusiast vehicles
Classic Car
Specialist insurance for classic, vintage, and enthusiast vehicles
Classic cars aren’t just vehicles - they’re passion projects, investments, and pieces of motoring history. At C&R Insurance, we understand the difference. Whether you own a fully restored showpiece, a weekend cruiser, or a long‑term restoration project, our team helps you protect your vehicle with cover designed specifically for classic and collectible cars.
Classic car insurance works differently from standard motor policies. It recognises the true value of your vehicle, how you use it, and the care you put into maintaining it. That’s why we take the time to understand your car’s story; its condition, its purpose, and its significance - so we can arrange cover that reflects its real worth.
From agreed value protection and specialist repair options to laid‑up cover for vehicles under restoration, we work with New Zealand’s leading classic‑car insurers to match you with a policy that fits your needs. Whether your pride and joy is on the road, in the shed, or still being rebuilt, we help ensure it’s protected properly.
Protect the car you love with cover built for enthusiasts. Talk to our team to arrange insurance that honours the true value of your classic.
Protect the car you love with cover built for enthusiasts. Talk to our team to arrange insurance that honours the true value of your classic.
Your classic deserves more than standard motor insurance. We help owners protect the vehicles they’ve restored, maintained, and cherished - whether they’re driven on weekends, displayed at club events, or kept safely in storage. Classic cars carry unique risks and unique value, and our team works with you to arrange cover that reflects both.
Agreed value protection
Classic vehicles aren’t valued like everyday cars. Instead of fluctuating market value, most specialist policies use an agreed value - a fixed amount you and the insurer confirm upfront. This ensures you know exactly what you’ll receive if the vehicle is written off, giving you certainty and peace of mind.
Restoration and storage cover
Many classics spend time off the road - undergoing restoration, waiting for parts, or stored safely between events. We can arrange laid‑up cover that protects your vehicle against fire, theft, and accidental damage while it’s not being driven, including cover for parts and accessories kept in your garage.
Specialist repair and parts options
Classic cars require specialist care. Many policies allow you to choose your preferred repairer, ensuring your vehicle is restored by experts who understand its construction and value. Some insurers also offer spare‑parts cover and salvage rights, giving you first option to retain the vehicle if it’s written off.
Cover for club events and limited use
Classic car insurance often assumes limited, careful use - weekend drives, club runs, and special events. This can mean lower premiums, provided the vehicle isn’t used for daily commuting. If you do use your classic more regularly, we can help arrange a policy that reflects your actual driving habits.
Whether your classic is on the road or still being rebuilt, we help ensure it’s protected with cover that respects its history, value, and the passion behind it.