This has to be one of the most frequently asked questions. As others have said, it depends a lot of your circumstances, but in my experience, the biggest factor is whether you are insuring as a daily driver or a second car.
This point confused me for years until I worked out there are two types of "classic" insurance.
- 1. Insuring your Morgan as a second car that is not your "daily driver". For this you must have already got a full insurance policy on another (non-classic) vehicle.
This can be very inexpensive but doesn't accrue any NCD and you must maintain your regular policy (it can be with any insurer). - 2. Insuring your Morgan on a regular policy. This may also be as a second car but it needn't be.
This is really no different to insuring any car accept that a specialist insurer will give you a bespoke "classic" policy.
Gott & Wynn and Headley always get lots of recommendations on the forum but I assume most people have the second type of insurance as neither company has been anywhere near competitive for me. I have the first type and never paid more than £100 to insure my 4/4. I used to use Footman James but a few years ago switched to Heritage and they now also insure my tintop (Mazda 2).
I imagine the owners of older, less valuable models are happier with the first type. Just my observations, happy to stand corrected.
~iw
