Heritage Classic Car Insurance

Name

Heritage Classic Car Insurance

Legal name

Norton Insurance Brokers Limited

Website

https://heritagecarinsurance.co.uk

Company type

Private

Founded year

1965

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Specialist Classic and Vintage Vehicle Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Classic / Collector Car Insurance (FSAJAAAG)

akta.pro secondary industry

Garage Liability & Dealers (Auto Dealers, Repair Shops) (FSAJABAF)

Keywords

• Classic car insurance
• Specialist vehicle insurance
• Insurance broker services
• Vintage auto coverage
• Collector vehicle insurance

Headquarters

HQ city

Birmingham

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Premium Revenue: Heritage earns revenue by arranging classic and specialist vehicle insurance policies through a panel of specialist insurers. The company acts as a broker, negotiating competitive rates and earning commissions from insurers. Premiums are paid by customers and the company earns a margin from the difference between negotiated rates and panel pricing.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Heritage Classic Car Insurance is an independent UK insurance broker that arranges specialist insurance policies for classic, vintage, and specialist vehicles through a panel of insurers. Operating as a trading name of Norton Insurance Brokers Limited (FCA FRN 769110), the company matches customers with coverage featuring agreed value protection, salvage retention, limited mileage discounts, and European driving cover, while earning commission from panel insurers.

Product overview

Heritage Classic Car Insurance is a specialist classic vehicle insurance broker offering a portfolio of core insurance products and add-on services. The core offering consists of 10 distinct vehicle insurance products covering classic cars, campervans/motorhomes, motorcycles, American classics, 4×4 vehicles (standard and modified), ex-military vehicles, kit cars, and laid-up/SORN vehicles, plus a multi-car policy for collectors. These are complemented by value-add services including free agreed valuation, road rescue breakdown cover, motor legal protection, key protect, and GPS tracking devices (Skytag free, Global Telemetrics discounted). The company operates through a CSR24-powered customer portal for policy self-service and is regulated by the FCA under parent company Norton Insurance Brokers Ltd.

Differentiator

Problem solved

Functional benefit

Products and services

• Classic Car Insurance Core specialist insurance product for classic and vintage cars typically 20+ years old. Includes free agreed value, European cover up to 90 days, modifications welcome, and salvage retention as standard. Premiums from £73 per year.
• Campervan & Motorhome Insurance Insurance for classic and modern campervans and motorhomes including VW campers. Includes 90 days European cover, free agreed value for classics, salvage retention, and free Skytag GPS tracker.
• Classic Bike & Motorcycle Insurance Specialist insurance for classic and retro motorcycles including Japanese imports. Features free agreed value, up to 90 days European cover, limited mileage discounts, and multi-bike/multi-rider policy options.
• American Classic Car Insurance Specialist insurance for imported American classic cars including Ford Mustang, Chevrolet Camaro, Dodge Charger. Offers limited mileage discounts, free agreed value, salvage retention, and EU cover up to 90 days.
• Classic 4x4 Insurance Specialist cover for classic 4x4 vehicles including Land Rovers, Jeeps, and Defenders. Includes free agreed value and modifications cover.
• Modified 4x4 Insurance Specialist insurance for modified 4x4 vehicles used for off-road and green lane driving. Covers snorkels, winches, suspension changes, and other modifications. Includes £500 glass cover and breakdown options.
• Ex-Military Vehicle Insurance Specialist insurance for decommissioned ex-military vehicles including tanks, trucks, and armoured personnel carriers. Covers related specialist equipment. Includes 15% discount for Military Vehicle Trust members.
• Kit Car Insurance Specialist insurance for kit cars including Caterham, Ferrari replicas, and Cobra kits. Includes free agreed value, spare parts cover, European driving cover, and show/event cover options.
• Laid Up / SORN Insurance Insurance for vehicles off the road or undergoing restoration. Covers accidental damage, fire, and theft while SORN'd. Convertible to on-road cover when vehicle returns to use.
• Multi Car Insurance Consolidated insurance policy covering multiple vehicles (classic, modern, motorcycles, campervans) under one policy with single renewal date. Savings up to 25%, up to 5 drivers, no vehicle limit.
• Free Agreed Value Complimentary agreed valuation service locking in vehicle value at policy start. Protects against market depreciation on total loss claims. Available up to £30,000 in-house; photographs required for higher values.
• Road Rescue Breakdown Cover Breakdown insurance provided by ALPS including UK roadside repair, national recovery, alternative transport, overnight accommodation, and EU breakdown/repatriation.
• Motor Legal Cover Legal expenses protection covering uninsured loss recovery, personal injury claims, and costs up to £100,000. Includes 24/7 legal advice line.
• Key Protect Cover Coverage for lost or stolen car and house keys including locksmith costs, infrared key reprogramming, and onward travel expenses.
• Free Skytag GPS Tracker Complimentary GPS tracking device for customers with subscription service. Offers Standard, Active Monitoring, and Liveview tracking options with police liaison for stolen vehicle recovery.
• Global Telemetrics GPS Tracker Thatcham-accredited GPS tracking devices (S5, S7, S5+) with 24/7 monitoring, real-time location, and theft recovery. Available at discounted rates for Heritage customers.
• Customer Portal Online self-service platform (CSR24) providing 24/7 access to policy documents, vehicle/driver management, renewal viewing, and contact updates.

Quantifiable outcome

• 96.7% of customers rated Heritage 4 or 5 stars on Feefo
• +3 more outcomes

Named customers5 records

Segments7 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Partnerships

Two partnerships are on record, tiered core.

• iRevolution ClaimscoreImplementation/ SI/ Consulting PartnerPartnership with iRevolution Claims as dedicated claims handlers providing 24/7 claims support line (0330 551 1386). iRevolution manages claims from start to finish including investigation, liability confirmation, replacement vehicle arrangement, repair coordination, and third-party insurer communications.
• Skytag LimitedcoreTechnology or IntegrationPartnership providing free Skytag GPS tracker device to all Heritage customers. Skytag offers stolen vehicle location service with police liaison, 24-hour monitoring, and three tracking levels (Standard, Active, Liveview).

Scale indicators7 records

Recent moves5 records

Expansion highlights6 records

Broad incumbents

• A-Plan Insurance: UK high-street insurance broker with specialist heritage/classic car desks alongside mainstream motor cover. Comparable in offering specialist cover via panel relationships, though Heritage is materially more niche-focused.
• Hagerty Insurance (UK): Global classic car specialist insurer/agent with a UK operation offering classic vehicle cover, valuation services, and enthusiast content. Broader scale and global brand but directly competing in the same UK classic car insurance niche.
• Howden Insurance Brokers (UK Retail): Large UK insurance broking group with specialist motor and private client practices that include enthusiast and classic vehicles. Relevant as a larger incumbent competitor with similar panel-broker mechanics.

Direct peers

• Peter James Insurance: Specialist broker focused on classic, vintage, and high-performance vehicles in the UK, with deep ties to marque-specific clubs. Directly comparable to Heritage's club-driven distribution and enthusiast value proposition.
• Carole Nash: UK specialist insurance broker most recognized for classic and modern motorcycle insurance, with classic car cover also offered. Highly comparable broker model targeting enthusiast vehicle owners.
• Lancaster Insurance Services: UK specialist broker focused on classic, vintage, and modified car insurance, working with a panel of niche underwriters. Closest like-for-like competitor to Heritage, offering agreed-value cover, limited-mileage discounts, and similar multi-vehicle options.
• Footman James: Specialist classic and enthusiast vehicle insurance broker serving owners of classic cars, motorbikes, and modified vehicles in the UK. Competes head-to-head with Heritage on agreed value, salvage retention, and panel-driven pricing for classics.
• Chris Knott Insurance: Independent UK broker specializing in modified, classic, and imported car insurance. Closely comparable niche focus and panel-based pricing approach to Heritage.
• Adrian Flux: UK specialist insurance broker with deep coverage of non-standard and enthusiast vehicles including classic, modified, imported, and kit cars. Comparable broker model and customer base to Heritage, though broader in vehicle scope.
• ClassicLine Insurance: UK broker dedicated to classic and vintage vehicle cover. Niche-only specialist with a similar target customer and broker-led panel model as Heritage.

Market position

Strengths1 record

Weaknesses1 record

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/HeritageQuote
• Facebookfacebook.com/heritageclassicinsurance
• LinkedInlinkedin.com/company/heritageclassiccarinsuranceuk

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Heritage Classic Car Insurance