We protect classic cars and passion projects.
Star Enthusiast’s Classic Car Insurance leads the way.
Classic cars are a labour of love.
A classic car goes way beyond simple transportation.
Classic cars are an investment that may only ever be appreciated by their owners. Often a labour of love, these vehicles represent far more than getting you from A to B. Classic car insurance is not straightforward insurance. Only savvy drivers and specialist insurance providers such as Star understands that a deeper level of analysis is required to provide you with the ultimate protection for your pride and joy.
Ways we protect what you’re passionate about
Modern insurance for your classic car
Nobody else thinks more about innovative insurance and the best way to insure specialist and classic cars than Star Insurance Specialists. You may drive a classic car but our approach is anything but old school. Many moving parts determine a comprehensive classic car insurance policy. Here’s a taste of ours*:
All vehicles are insured on an Agreed Value basis. Agreed value can be upgraded to Certified Value on an application and acceptance basis
Our classic car NZ insurance policy extends to automatically insure spare parts for the vehicle
Our rating model is based on your usage and distance travelled
Specialist repair options and specialist repair assessors
Discounts and package premiums for vehicle collections, and insurance options for vehicles undergoing restoration
Glass Coverage automatically included in your policy
*Terms and conditions apply. Not all benefits apply to all policies. Please refer to the policy booklet (and your schedule if issued) for further information or call us to discuss your specific needs.
We’re a cut above the rest
Reasons to choose Star Insurance Classic Car.
Saying we’re the best might be a big claim; that is until you look under the hood at your options. We don’t let statistics determine your policy and its price.
Two identical looking vehicles will have unique histories. So too will their owners. To offer an insurance policy that fits like a glove and protects your investment (if you need to make a claim), we need to be hands on with our approach.
Answering insurance questions can seem a little invasive at first, but believe us when we say, it is well worth it in the long run. That’s because if you ever need to make a claim, that’s when your insurance policy is put to the test. You want to trust that everything has been considered and that you won’t have a fight on your hands.
Some of the classic cars presently in our portfolio include the 1965 Bel Air, Porsche 356, Chevy Yank tanks, American muscle classics including Mustang, Camaro, Charger, Corvette, and Thunderbird, and Australian classic cars from Ford and Holden.
Let us tailor a classic car insurance policy as unique as you and your vehicle. Contact our friendly team today.
Sometimes you need a simple answer
Frequently asked questions.
Upon application, we can extend terms to provide you cover for certain approved track days. Every track day and driver is subject to application, and are monitored and approved on a case by case basis.
My car is not garaged. Does this mean that we can not have cover under your policy?
Our preference is to have cars garaged but if your car is not garaged then we can still look at the risk and rate it appropriately. For example, your car may be behind a locked gate. We treat this just like a garage.
What KM limits are on my policy?
In short, there are none.
We don’t restrict mileage on your policy as we rate vehicles on how they are used. We understand that some years you may do a big tour, where other years, your vehicle will hardly leave the garage. We don’t restrict kilometres but do ask that you give us an accurate picture of how you are using your vehicle.
I have a collection of vehicles. Can you offer me a discount to reflect that I don’t drive these cars very often?
Yes, we can. We can tailor the policy to your individual needs and ensure that you have the best cover in the market at the most cost-effective premium.
My car is currently off the road; can you cover this whilst it’s laid up?
Yes, we offer a storage and restoration cover. Please refer to our Star Prestige, Enthusiast & Everyday policy wording and/or call one of our knowledgeable team to discuss.
Do you offer cover for the spare parts on my vehicle?
Yes, we do. Our policy has a standard limit of $5,000 for spare parts relating to your vehicle. You can increase this amount for an additional premium so please call one of our knowledgeable team to discuss your options.
Roadside assistance included?
Roadside assistance is available as an optional extension to your policy.
Currently, this can be purchased for an additional $59.95
Do you have a list of preferred repairers?
We are happy for you to take your vehicle to a repairer of your choice. If you need help finding a repairer, our assessors have a list of repairers we can suggest which are best suited for the type of vehicle you have.
Do photos of my damaged vehicle help the claims process?
Yes, photos are very helpful as they can show our assessing team what has been damaged before the vehicle is seen by a repairer. Please obtain accident site photos only if it is safe to do so.
I am under 25, can you insure me?
If you’re under 25 give us a call to see if we can embrace you and your vehicle of passion, because every vehicle we insure is based on our knowledge of the car, the market and the driver.
What is an excess?
An excess is an amount you must contribute towards the cost of repairs, or payment of a total loss settlement for each event that you have made a claim for.
If we have identified that you were not at fault in an accident and you have provided details of the 'at fault' party your excess may be waived or refunded to you.
When you say 'glass' does that include the windscreen?
Yes, when we reference glass, we include windscreens in this description. The description of glass also includes windows, headlights, taillights and the sunroof (if installed)
What is the difference between Market Value vs. Agreed Value vs. Certified Value vs. Fixed Value
Different insurance providers define the ways they offer total loss settlements differently. These are how we define our different total loss settlement options for motor vehicles.
The reasonable sale price of your vehicle, as estimated by us, immediately before the loss taking into account:
a. the year, make, model and specification of your vehicle; and
b. the general condition of your vehicle, including mileage and hours;
but excluding the presence of any sign writing, vehicle wraps, or artwork on your vehicle unless otherwise advised and accepted by us in writing.
The lesser of:
a. the vehicle’s market value plus 20%; or
b. the sum insured.
The value of the vehicle specified in a valuation prepared by a motor vehicle valuer recognised by us provided such value is accepted by us and stated in the schedule.
The value of your vehicle agreed by you and us and stated in the schedule
The base vehicle cost together with all amounts spent restoring the vehicle as at the date of any loss covered by the policy.
We can adjust certain policies to different settlement bases. Please contact us to discuss whether your policy can be adjusted to a different settlement basis.
What our customers think.
“Competitive premiums, excellent claims response and prompt response to queries, Star are a pleasure to work with.”
What our customers think.
“The team at Star insurance are great in what they do. They really value relationships, which in broker world is really important to us. They have always gone the extra mile to help and support us. You feel like you are treated as valued customers and they are always wiling to work with us. Our account manager Litisha has been so amazing in all her dealings with us. She knows our customers personally and provides an exceptional service all the time. Claims experience has been great as always as well.”
What our customers think.
“Star Insurance are my go to for hard to insure cars, motorbikes and for campervans. They are always prompt and efficient and respond to queries well within their estimate time frames. I would highly recommend them.”
What do I need to get a quote?
- Personal details
Obviously we need to collect some personal details about you, including your driver’s licence info, date of birth, address and more. This helps to paint an overall picture of your policy application.
- Vehicle details
What classic vehicle do you want insured? What is its registration number? This information will let us see a lot more detail as we tap into the NZTA website. We’ll also ask how the classic vehicle is being used and how often.
- Your driving history
Have you started a collection of speeding tickets, had previous accidents, and/or any convictions? These are 3 of the 8 questions we’ll ask you as part of this process. Insurance is based on good faith, which is why it’s important to make honest statements about your driving history. Otherwise you may face consequences that were avoidable during a claim.
- We then receive your information
At this stage we have your information and your file is allocated a quote number which is immediately emailed to you. We’ll then personally review your application and prepare your insurance options.
If your application is received within business hours, we normally email your options back to you within 30 minutes. To view your options, click on the link in our email. Next, choose your preference along with any policy add-ons, then choose your policy start date (from the current day to 30-days in the future), choose monthly or annual payments and make payment. Presto, you’re insured.
Insurance is based on good faith. Which is why it’s important to be honest about your history, so that there are no dramas if you make a claim. We’re all about starting and maintaining good relationships. Why? Because trust and honesty are the foundation of lasting relationships.