Classic Vehicle Insurance

Classic car and motorcycle insurance. For vintage, antique, and collector vehicles 30 years or older.

Illustration of classic car

Classic car cover

Insurance for classic and antique cars on the road, in storage, or on display. Cover for theft, fire and accidental damage, including injury you cause to someone else or damage to their property. Plus, cover for your car’s spare parts while in secure storage.

Illustration of classic motorcycle

Classic motorcycle cover

Specialist insurance that protects your vintage motorcycle for theft, fire and accidental damage, including damage to someone else’s property or injury to someone else. Cover for your bike and helmet while riding, in storage, or on display, and your bike's spare parts while in secure storage. Plus, an optional add-on to cover your protective gear.

What’s covered with Classic insurance

Select cover option

Classic car

Classic car

Theft, fire, accidental loss or damage to your car or motorcycle
Transport home if you’re stranded after theft or an accident
Spare parts for your car or motorcycle that are in storage
Up to your policy limit
Damaging someone else’s vehicle or property
Up to $20 million
Replacement keys and locks
Excess-free for claims up to $2,000
Helmet cover
Injuries you cause when using your car or motorcycle
Up to $1 million
Towing your car or motorcycle after an accident or if you’re ill or injured
Storage of your classic vehicle after an accident
Fire extinguisher replacement or refill
Damage to your car or motorcycle caused by accidentally using incorrect fuel
Towing your car or motorcycle after an accident or if you’re ill or injured
Temporary cover for an additional or replacement classic vehicle (for 14 days)

Optional benefits

Optional benefits

Layup cover while your car or motorcycle is being stored or restored
Optional
Protective clothing

Classic motorcycle

Classic motorcycle

Theft, fire, accidental loss or damage to your car or motorcycle
Transport home if you’re stranded after theft or an accident
Spare parts for your car or motorcycle that are in storage
Up to your policy limit
Damaging someone else’s vehicle or property
Up to $20 million
Replacement keys and locks
Excess-free for claims up to $2,000
Helmet cover
Injuries you cause when using your car or motorcycle
Up to $1 million
Towing your car or motorcycle after an accident or if you’re ill or injured
Storage of your classic vehicle after an accident
Fire extinguisher replacement or refill
Damage to your car or motorcycle caused by accidentally using incorrect fuel
Towing your car or motorcycle after an accident or if you’re ill or injured
Temporary cover for an additional or replacement classic vehicle (for 14 days)

Optional benefits

Optional benefits

Layup cover while your car or motorcycle is being stored or restored
Optional
Protective clothing
Optional extra

Classic car

Classic car

Classic motorcycle

Classic motorcycle

Theft, fire, accidental loss or damage to your car or motorcycle
Transport home if you’re stranded after theft or an accident
Spare parts for your car or motorcycle that are in storage
Up to your policy limit
Up to your policy limit
Damaging someone else’s vehicle or property
Up to $20 million
Up to $20 million
Replacement keys and locks
Excess-free for claims up to $2,000
Excess-free for claims up to $2,000
Helmet cover
Injuries you cause when using your car or motorcycle
Up to $1 million
Up to $1 million
Towing your car or motorcycle after an accident or if you’re ill or injured
Storage of your classic vehicle after an accident
Fire extinguisher replacement or refill
Damage to your car or motorcycle caused by accidentally using incorrect fuel
Towing your car or motorcycle after an accident or if you’re ill or injured
Temporary cover for an additional or replacement classic vehicle (for 14 days)

Optional benefits

Optional benefits

Layup cover while your car or motorcycle is being stored or restored
Optional
Optional
Protective clothing
Optional extra

Plain language policy wording

This is only a summary of key benefits. For a full list of benefits as well as exclusions and other terms, read the policy wording.

Our classic car and classic motorbike insurance NZ policy wordings are now in plain language, making them easier to read, understand, and act on.

Note: If you already have a policy with us, you may have a different policy wording to the plain language policy wording above. Check your policy details, then find your policy wording on our Policy documents page.

Why choose AMI?

Highly commended in the New Zealand, General Insurer of the year category for 14 years in a row.

Our AA financial strength rating means we have a very strong claims-paying ability.

When classic vehicles are covered

AMI Classic insurance is specialist cover for classic cars and motorbikes.

When classic vehicles are covered:

  • personal and business use,

  • private, not-for-profit carpooling,

  • special events and weddings, where you are the driver or rider.

When classic vehicles are not covered:

  • as a taxi or carrying paying customers,

  • hiring out, including between private individuals,

  • courier and delivery work,

  • driving lessons,

  • trades or service callouts,

  • racing, on a racetrack, driver or rider training and track days,

  • towing that’s paid or rewarded.

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