You’re a vintage car custodian; so are we.
Vintage cars deserve the Star treatment.
Choose Star to protect your vintage love affair
We protect vintage cars and restoration projects.
Star Enthusiast Vintage Car Insurance was created specifically for history buffs who are passionate about vintage vehicles. It’s for vehicles manufactured between 1919 and 1930. We take extra-special care to craft a policy that considers every aspect of your fine investment. This means learning about your car’s living arrangements, if it’s a work in progress, being restored, or if and how it visits club rallies and events. By ‘looking under the bonnet’ we can determine your vehicle’s true value and how you use it to give you a policy that is tailored to meet your needs.
Journeys aren’t risk-free but your vintage car insurance should be
Get the best protection for your special car.
When you want certainty, and the best protection for your vintage vehicle, join the leaders in specialist insurance at Star Insurance. You’ll enjoy unbeatable protection and special vintage car policy benefits that include*:
Insurance is based on an Agreed Value which can be upgraded to Certified Value on an application and acceptance basis
Our rating model is based on your usage and distance travelled
Specialist repair options and specialist repair assessors
Policy extension for your vehicle’s spare parts
Discounts and package premiums for vehicle collections
Bespoke insurance for collections, recognising that whilst vehicles are predominantly stored, vehicles can be driven
Insurance for vehicles undergoing restoration.
Options to buy wreck back in the event of a total loss.
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 here to assist with your mission.
Extraordinary insurance for exceptional vehicles.
When you want superstar insurance for your vintage vehicle or restoration project, Star Insurance Specialists are the experts. We hold a special place in our hearts for vintage cars and their custodians. We’ve made it our business to fully understand what you need in an insurance policy.
Our company’s purpose is to create extraordinary policies for Kiwis with exceptional vehicles.
You have a vehicle that’s in a class of its own. So we don’t let algorithms determine your policy or its price because you’re not like everyone else on our roads. Instead, we work closely with you to determine the real value of your vehicle and its use. By engaging with you at a deeper level we can craft a custom insurance policy that considers everything you need and protects you in the real world.
Another big benefit with Star Insurance is we handle everything from quotes to claims in-house. As niche insurance specialists you only deal with decision makers who are judged every day, by our management and customers, on our ability to provide the best Cover, Price, Support and Claims. And that’s exactly what we do.
With a Star Insurance Enthusiast Vintage Car insurance policy you’re in fine company. Some of the vintage vehicles we currently protect include Model A Fords, Model T Fords, Rolls-Royce 40/50 Silver Ghost, Bugatti Type 36, Alfa 6C 1750, Austin 7, Bentley Speed Six, and more. Talk to us about protecting your very special investment.
So what do you think? Got some questions?
Frequently asked questions.
Track Cover?
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.
Market value:
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.Agreed value:
The lesser of:
a. the vehicle’s market value plus 20%; or
b. the sum insured.Certified value:
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.Fixed value:
The value of your vehicle agreed by you and us and stated in the scheduleConstruction value:
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.
“In the numerous dealings I have had with Star Insurance, I have have found found them to be both fair & understanding to all parties with a strong focus on putting things right - what else could one want from an insurer?”
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 our customers think.
“Awesome team! Personal, friendly and efficient service. Highly recommended.”
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.
- Vintage Vehicle details
What vehicle do you want insured? Is it registered? What is its registration number? This information will let us see a lot more detail as we tap into the Motoweb database. We’ll also ask how the vehicle is being stored, how it 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.