Yes, in the UK, all cars — including old or classic cars — must have insurance if they are being used on public roads or kept without a Statutory Off Road Notification (SORN).
Here are the main points:
✅ Legal Requirement:
- By law, every vehicle in the UK must have at least third-party insurance if it is not declared as off the road (SORN).
- This applies to old cars, classic cars, and vintage cars too.
🛑 If Not Driving?
- If you are not using the car and keep it off-road (e.g., in a garage), you can apply for a SORN through the DVLA. In that case, insurance is not required.
🚗 Classic & Old Car Insurance:
- Many insurance companies in the UK offer special insurance for old/classic cars, which can be:
- Cheaper (limited mileage, occasional use)
- Agreed value cover (for collectible value)
- Laid-up cover (if stored and not driven)
🕰️ Definition of Old or Classic Cars (for insurance):
- Generally, a car older than 15 to 25 years may be considered a “classic” or “historic” for insurance purposes.