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.
Frequently asked questions.
So what do you think? Got some questions?
-
Insurance is not compulsory for vehicles. However, if you cannot afford the monetary loss if something happens to your vehicle, project car insurance may be a good idea. If you had Project Car insurance it could also provide financial protection to you in the event you are responsible for any liability costs, such as damage to property if your project car burst into flames and burnt a building down.
-
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.
-
It is very difficult to find insurance for a vehicle whilst you are participating or competing in a motor race. It is more common to be able to purchase race car insurance that provides insurance whilst the race car is being transported to motorsport events or being stored between events. Costs can vary significantly based on the different values of race cars, the value of parts and accessories, where they are stored along with a number of other variables.
-
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.
-
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.
-
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.
-
It depends. Different insurers may or may not offer track day insurance, and if they do they may have different criteria from each other. Star Insurance Specialists can upon application, extend your insurance policy and provide you insurance for certain approved track days. Every track day and driver is subject to application, and are subject to specific terms and conditions that will be advised to the applicant.
-
You should advise your insurance company that you use your car every day. Many insurance companies can still insure classic cars that are used every day. Star Insurance Specialists design their insurance policies specifically tailored for your individual circumstances.
It's insurance, but not as you know it.
“Great Products and Great service
”
It's insurance, but not as you know it.
“Star underwriters and claims team are proactive and efficient. Theyre always happy to discuss a risk/issue, and incredibly efficient!”
It's insurance, but not as you know it.
“Recently due to a burglary, our family suffered the loss of a number of items. Star Insurance supported us through the event, even managing to recover some items of particular value that was very much appreciated. The supportive, personal and professional attention that was provided was second to none.”
It's insurance, but not as you know it.
“Star consistently provide my clients with great terms and exemplary service. A pleasure to deal with over the past 10 years.”
It's insurance, but not as you know it.
“For us the whole process was done in a timely and professional manner.”
It's insurance, but not as you know it.
“The staff at Star are always prepared to go above and beyond to help us and our clients achieve a favorable outcome. They are knowledgeable and helpful from underwriting and admin, right through to claims, making it a seamless and effortless experience every time we interact. They offer superior policy wordings that actually work when they are needed at claims time. I wouldnt hesitate to recommend Star to my clients.
”
It's insurance, but not as you know it.
“I have been working with Star for the last year. I have never felt the need to put our customer with anyone else and John has been fantastic to work with.The turn around time for service is amazing and the prices are incredibly fair. The staff have a good understanding of the vehicles our customers want to ensure and this is reflected in the reliability that our customers and us as insurance brokers feel from Star. Thanks for all your hard work guys.”
It's insurance, but not as you know it.
“Dealing with Star is easy and quick with prompt quote response times, plus fantastic policy coverage.”
It's insurance, but not as you know it.
“Always good people to deal with at Star”
It's insurance, but not as you know it.
“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.”
It's insurance, but not as you know it.
“Star Insurance are a friendly team and willing to find solutions if they can otherwise they explain in detail why that cant.”
It's insurance, but not as you know it.
“Geat policy coverage and very competitive premiums and very easy to deal with.”
It's insurance, but not as you know it.
“Great rates and cover.”
It's insurance, but not as you know it.
“I have been in the Vehicle Glass Industry 35 x years......... : and on a daily basis , have had to Deal with vehicle Insurance Company Assessors and Staff on the phone & or emails. ( I could write a book ) Most in general have pulled their socks up ,so to speak ,as in dealing with vehicle glass customers in processing auto glass claims - however some are still behind the eight ball.Star Insurance has stepped up - experienced - looked -learned and listened , and have put into practice awesome business acumen and stuck to it, ....simple really..... look after Your Customers..... Custom Fabricate your business around your customers and you,ll not go wrong. ”
It's insurance, but not as you know it.
“I highly recommend using Star Insurance. The staff are always a pleasure to deal with, from sales to claims. They are helpful, the process is simple and you always get prompt responses. Great premiums with great policy wordings.”
It's insurance, but not as you know it.
“Awesome team! Personal, friendly and efficient service. Highly recommended.”
It's insurance, but not as you know it.
“I always get a very quick response to my emails from Star and quotes are always very clear and competitive.”
It's insurance, but not as you know it.
“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?”
It's insurance, but not as you know it.
“Out of all the insurance company, we were happy to deal with Star Insurance. Assessor had given us very fair hours to complete our repairs. I am happy to do their work always.”
It's insurance, but not as you know it.
“Ive found STAR to be quick and efficient, as well as providing competitive premiums / excesses and a sound product. I had to send an urgent quote request to STAR on a Friday at 4:50pm, I had terms back by 5pm and bound cover at 5:10pm. Most insurers and brokers wouldve been at the pub by that time and I didnt expect a reply and when it arrived, the client and myself were over the moon. Overall STAR are helpful, efficient and client focused.
”
It's insurance, but not as you know it.
“Star offer exceptional service. Easy to deal with and great policy wording.”
It's insurance, but not as you know it.
“Star Insurance have a great team who all make every step of the process easy. Their online system is very user friendly and the team are helpful, friendly and extremely efficient. I have nothing bad to say about Star Insurance.”
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.