The Short Answer: Almost Never

Despite what people sometimes think, there’s no cut-off point where a car becomes “too old” to insure in the UK. You can get insurance for almost any vehicle that’s roadworthy, taxed, and has a valid MOT. The difficulty isn’t that insurers refuse old cars; it’s that fewer companies are willing to quote, and the price might not make sense for the car’s value.

So if your trusty hatchback is nudging twenty years and still runs fine, don’t panic. It’s insurable. You just need to know where to look and what affects the premium.

Why Age Makes a Difference

Insurance companies assess risk, not nostalgia. Older cars can mean older parts, higher repair costs, and less built-in safety tech; which all add up to slightly higher risk on paper. They’re also more likely to be written off after minor accidents because parts and labour can cost more than the car’s worth.

That said, age isn’t always bad news. Many older vehicles are driven less frequently and more carefully. A 15-year-old runabout used for local shopping trips might actually pose less risk than a brand-new SUV clocking motorway miles every day.

When Standard Insurers Say No

Some big-name insurers simply don’t quote for older vehicles, especially if they’re beyond a certain age; often 15 or 20 years old. That’s not a legal rule, just a business choice. It’s easier for them to stick with newer cars that fit predictable claim patterns.

If your car falls outside their comfort zone, specialist insurers can usually help. They handle everything from classic cars to high-mileage commuters and modified motors. You might pay a bit more, but the cover’s often better tailored to your situation.

Classic vs Just Old

There’s a difference between an “old” car and a “classic” one. Once a vehicle hits around 20 to 25 years, some insurers reclassify it as a classic; which can actually make insurance cheaper if it’s well maintained and only used occasionally. Classic policies usually assume lower mileage and careful driving, so they can offer surprisingly low premiums.

If your car’s older but not quite a classic, look for specialist “mature car” or “limited use” policies. They’re designed for exactly this middle ground; cars that aren’t showpieces but are still going strong.

Keeping Older Cars Insurable

Insurers like signs of care. Keep up regular servicing, hold onto MOT and maintenance records, and fit basic security like an alarm or steering lock. Parking in a garage or driveway helps too. These small details show the car’s well looked after, and that reduces perceived risk.

Be honest when applying. Don’t round down the age or omit information about wear or repairs. A transparent record is more likely to win a fair quote than trying to make the car sound younger than it is.

When It Might Be Time to Let Go

If your insurance premium starts costing more than the car’s worth, it might be time to think practically. Some older vehicles fail MOTs repeatedly or struggle with parts availability. In those cases, scrapping or donating the car can be a sensible next step; especially if the insurer quotes get silly.

But there’s no set age limit. As long as it’s roadworthy and meets legal standards, you can keep it on the road for as long as it serves you well.

Useful UK Resources

• GOV.UK: MOT testing rules
• MoneyHelper: Car insurance explained
• Citizens Advice: Car insurance help
• Classic Insure: Specialist cover for older cars

Old cars aren’t a problem to insure; they’re just a bit more individual. With the right insurer and some paperwork in order, there’s no reason your faithful motor can’t stay legally on the road for years to come.