Age alone does not determine whether a car uses standard or classic insurance. Classic policies are generally designed around particular vehicle, mileage and usage criteria, while ordinary policies are designed for normal everyday use.

How insurers commonly treat this

• Classic cover can include limited mileage or restrictions on commuting.
• Some classic policies require another vehicle to be available for everyday use.
• Agreed-value cover is more common in the classic market than in ordinary market-value motor insurance.

What the quotation may ask for

Quotation forms use the information supplied to determine which insurers can offer cover and on what terms. Where the available answer does not accurately describe the circumstances, the insurer or comparison provider can clarify how that information is recorded.