Breakdown Cover for Older Cars

Owning an older car can be a rewarding experience, but it also comes with a unique set of challenges. When it comes to breakdowns, classic cars sometimes aren’t the most reliable. At Saga, we understand the importance of reliable breakdown cover tailored specifically for older vehicles.

This guide will explore the best options available, ensuring you have peace of mind wherever the road takes you. From basic coverage to comprehensive plans, including European travel, we’ve got you covered. Let’s dive into the essentials of breakdown cover for older cars to help you keep your cherished vehicle running smoothly.

What is breakdown cover for older cars?

Breakdown cover for older cars, also known as classic car breakdown cover, is a type of car insurance add-on. Like regular breakdown cover, it provides roadside assistance if your vintage car breaks down. It gives you peace of mind, knowing you can drive your old car and get help if something goes wrong.

Some companies might not provide breakdown cover for cars older than 15 years, so you may need to look around. But don’t worry, many insurers, including Saga , will cover your older vehicle.

What levels of older car breakdown cover are available?

When you get a basic classic car breakdown policy, it covers you if your car breaks down on the road. If it can’t be fixed there, the policy will arrange for your car to be towed to a nearby garage.

You can get more comprehensive breakdown cover for older cars, including extra options for different situations. Here’s what you can get:

Home assistance

This breakdown cover gives you extra peace of mind. It ensures you’re covered if your car won’t start at home or nearby.

Onward travel

If your older car breaks down far from home and can’t be fixed quickly, this option has you covered. You’ll either get a courtesy car or have your public transport costs paid for. You might also get the cost of overnight accommodation covered.

National recovery

With national recovery, you’re covered if you take your car away from home, like to a classic car show. If your car can’t be fixed nearby, you can get it and a few passengers recovered to anywhere in mainland UK.

European travel

Taking your older car on a trip to Europe can be risky, so it’s important to have the right breakdown cover. European cover ensures you get roadside assistance if your car breaks down while you’re driving on the continent.

You can choose between single trip cover or an annual policy, depending on your provider. An annual policy is great if you plan to take your car to Europe multiple times a year.

Do I need personal or vehicle cover for my older car?

Deciding between personal or vehicle cover for your older car depends largely on your driving habits. Let’s explore both options to help you make an informed choice.

Personal breakdown cover

If you drive more than one car or have an older car you don’t use daily, personal breakdown cover might be a good choice. This way, you’re covered no matter which car you’re driving.

Vehicle breakdown cover

If you let others drive your older car, it’s a good idea to get breakdown cover. This way, you’ll have help if your classic car breaks down, no matter who’s driving.

Can I get breakdown cover for a 20-year-old car?

You can get breakdown cover for a 20-year-old car, but you might need to look for a specialist provider. Some companies don’t cover older cars because finding parts to fix them can be difficult.

Is breakdown cover more expensive for older cars?

Getting breakdown cover for older cars can be more expensive. Since they’re older, these cars are more likely to have mechanical problems compared to newer ones. This means you’re more likely to need to use your insurance. However, you can shop around to find the best deal possible for your breakdown cover.

At what age do classic cars become tax exempt?

Starting April 2024, you can apply to stop paying car tax if your vehicle was made before January 1, 1984. You still need to register your vehicle, but you won’t have to pay for the tax anymore.

Who provides Saga's breakdown assistance policies?

Saga's range of insurance products is designed specifically for our customers and is unique to us.

Saga Essential, Home Call and National Recovery Breakdown Assistance is provided by RAC Motoring Services. Saga Comprehensive, Premier, Motorhome Assistance and Motorhome Assistance Plus Breakdown Assistance is provided by RAC Motoring Services and RAC Insurance Limited.