(Updated June '20)

Classic Car Insurance – RH – HISCOX (Now just called RH Insurance)

Contact RH Specialist Insurance:

General Enquiries: Tel. 0333 043 3911

Claims reporting or enquiries regarding existing claims: 0330 123 5992
UK breakdown: 0800 783 3280
European breakdown: 0080 0999 00999
Windscreen damage:  0345 602 3378
Accident fire theft or vandalism damage: 0330 123 5992
For individuals with hearing difficulties:   0800 783 3280

Club Enquiries, Feedback and Suggestions to: Emma Airey, Account Executive Email:  Tel Mob: 07956 232 758

Benefits that come as standard:

  • Zero administration fees.  Most competitors routinely charge 30-50 for renewing, cancelling or making mid-term adjustments to your policy.

  • Cherished salvage: Free and automatic return on all vehicles over 20 years of age which are repairable within DVLA guidelines. Most competitors only offer you the option to 'buy back' your salvage which can be up to 40% of your settlement value.  With RH you would receive your insurance settlement AND your salvage - free of charge.

  • UK & European accident & breakdown and recovery, including home service, as standard.

  • European cover.  You are automatically covered for up to 90 days in any one trip.

  • Personal accident cover.  Up to 5,000 while travelling in any private vehicle. 
    Unlimited windscreen cover.  Nationwide replacement windscreen service (subject to a 75 replacement excess or a 10 repair excess).

  • Rallies cover:  Automatic cover included for club rallies.

  • Dismantled parts covered up to the value of the insured vehicle – as evidenced by receipts/proof of purchase and subject to being kept in a locked garage or building.

Combine your classic, specialist and modern vehicles onto a single insurance policy, saving time and money.   If you’re currently paying more than 240 + insurance premium tax for your everyday car, RH will guarantees to beat your renewal premium by up to 10% - providing the cover is on a like for like basis.

Laid up

Is your classic taking a break or awaiting restoration? This cover applies whilst your vehicle, and its accessories and spare parts, is kept in a locked garage or building. Cover also applies whilst your vehicle is temporarily out of storage (i.e. whilst you are exhibiting it or having it repaired in the UK) and whilst in transit to or from the exhibition or repairer's premises. The ‘Agreed Value’ option is available on all laid up policies. Cover will not be in force if the vehicle is driven under its own power. An added benefit of our laid up cover is that you can increase the value of your vehicle as and when required, without being charged a broker administration fee! 

Agreed Value

We understand that if you've spent a lot of money restoring your vehicle to perfect condition, you don't want to accept a "Market Value" settlement in the event of a "Total Loss".  We can offer an agreed valuation with no administration fee by having either your club insurance/valuation officer, or an independent expert, inspect your classic  and agree an appropriate level of cover to reflect its true value, so there will be no nasty surprises if the worst does happen. The vehicle needs to be kept garaged to qualify for "Agreed Value" cover.
 A7CA Members are now able to ‘self-agree value’ up to 8,000.  Send photos of interior, exterior (all sides), engine bay and chassis to the RH team ( with details of value required.  For vehicles valued at 8,000 and above, you will need to obtain a valuation from either a recognised vehicle club or an independent specialist.


You can spread payment over 10 months by RH direct debit facilities. 

Uninsured losses - legal expenses

For a modest sum,
legal costs and expenses are covered up to 100,000. The policy covers you against the legal costs and expenses incurred in the pursuit of a civil claim against a defendant arising from a road traffic accident resulting in: damage to your vehicle, damage to your personal property, your injury or death. 

Please refer to your RH policy booklet, and schedule, for full details. 

The minimum excess is 50 but could be higher depending on underwriting criteria. 

Standard Terms
When left unattended reasonable precautions need to be taken to prevent theft, including removing the keys and locking the vehicle (where possible).