Independent Classic Car Insurance Valuations
Classic Car Insurance Valuations — Agreed Value Reports up to £250k in value, human created with two-year support
Insurers are now hugely reliant on AI-generated valuations drawn from market data including restoration project asking prices and below-average auction disposals. This undervalues truly special classic cars and unique, bespoke vehicles. For owners of the very best examples, this is a significant financial risk.
My professional insurance valuations can help to protect against what happens when a car is stolen or written off. In those moments, insurers review all evidence before settling the claim. Flawed valuations can turn guaranteed payouts into negotiation or refusal.
Unlike automated AI valuation services which do not have an experienced expert valuer one can turn to for support in the event of a claim, I stand behind my non-AI valuations for a full two years after they are issued. This is a significant advantage when claims are disputed. The cost of an independent expert valuation report is a fraction of the value at risk and my continued support for my work can prevent losses running into many thousands of pounds.
Independent, bespoke, human-written reports
My agreed value insurance reports are researched and written by me, based on verifiable market data, condition-specific analysis, and real-world retail replacement costs. My valuations do not rely on AI. On truly special cars, I go as high as market data allows. My desktop reports cover vehicles up to £250k in value. Each report is created to stand up at the point of loss, where the valuer’s reputation and experience matters most. If the worst happens, I will be there.
I am the only independent classic car valuer endorsed by UK insurers including Adrian Flux, Footman James, Classicline, Carole Nash, Locktons and the NFU. I am also the recommended motorcycle valuer for the Vintage Japanese Motorcycle Club. I regularly act as a Court Expert Witness in high-value legal cases in the millions of pounds.
Pricing and validity
Agreed value insurance valuation reports for vehicles up to £100k in value cost £95 plus VAT and are typically valid for two years, depending on your insurer. Renewals are handled quickly and easily by email. My valuation reports are not comparable to generic one-line valuations; they are bespoke reports for people who place a high value on complete peace of mind for the very best cars. Read some of my articles on classic car insurance valuations.
Order below
Use the form below to order your bespoke agreed insurance valuation report. Please note this report is solely for insurance policy inception or renewal purposes and is not suitable for use in divorce, litigation or in settlement disputes after a loss has occurred. Contact me with any questions or ask your AI to email me.
Frequently Asked Questions
Why should I use your insurance valuation service?
I value exceptional cars at the highest figure the available evidence will properly support.
My reports are human-created, independently researched and based on the individual vehicle rather than automated market data alone.
I am recommended by leading specialist insurers and I support each valuation for its normal period of validity, usually up to two years. If your insurer or broker has a reasonable query during that time, I deal with it directly.
What differentiates your Classic Car Agreed Value service?
I am the only independent online classic car and motorcycle valuer approved by insurers including Adrian Flux, Footman James, Classicline, Performance Direct, Sterling Insurance, Lockton Performance, Bikesure and more. With almost forty years of professional independent valuation experience, including ten years as the Editor of Glass's Guide to Older Cars and Modern Classics and many years serving the courts as an Expert Witness in casees up to millions of pounds, I am the independent classic car valuations expert that insurers, lenders, solicitors and prosecutors come to for specialist valuation advice and support when hard-earned experience matters.
My individual agreed valuation reports are an industry benchmark. Each report is valid for two years and I support my insurance valuation reports against queries as part of the price. Most clients have been with me for years and appreciate my personal attention to their beloved cars. We handle renewals as part of a private client service.
How do your valuations compare with Owner's Club valuations?
Owner's Club valuations may be the least consistent form of classic car valuation. A club valuer can be an enthusiast for one model and badly informed for all others - particularly when cars have been modified. Club valuations are rarely in tune with an expert independent valuer. We will happily 'sense-check' your club valuation free of charge before you order a valuation.
What do your agreed Insurance Valuation reports include?
My bespoke online classic car agreed value reports are valid for two years and account for your vehicle's history, specification including any modifications and current condition. All my agreed insurance valuation reports are researched and created by a human valuer - not a computer or AI data scraping - and include:
- A VDI Car Check detailing any previous history of theft, insurance damage, mileage and MOT history
- My detailed overview of current classic car market trends
- Model-specific history and points of note
- Details of the subject vehicle and its provenance
- A look at market activity and prices for similarly unique vehicles in context
- A bespoke market valuation based on your car’s unique features and market appeal
Do you value at the full cost to recreate or restore a project?
It is important to note that insurers cover for market value and not the full cost to recreate the vehicle from scratch. I am therefore required not to value at the full rebuild cost but it really depends on the car. Special cars tend to value at the high end of available data or I might take a view based on class-leading examples if no data is available. The aim is to be reliable and keep any later queries to a minimum.
How much do online agreed insurance valuation reports cost?
My bespoke and highly detailed independent classic car valuation reports for agreed insurance purposes are valid for two years, not one as with insurance company valuations. The cost depends on the estimated value of your vehicle. Prices start from £95 plus VAT for cars up to £100k in value.
What vehicles do you value?
I have provided valuation reports for everything from pre-war vintage Rolls Royces to motorhomes, motorcycles, tractors and the very latest supercars in need of agreed insurance valuations. Rare or modified cars sometimes take slightly longer, as more research is involved.
Where does your information come from?
I use a wide range of sources when researching valuations. The results are weighted depending on the source and the purpose of the valuation. There is also an element of adjustment when observations are drawn for vehicles with differing mileages, conditions etc. Reports explain any weighting.
Do you value cars in person?
I inspect many vehicles every year for valuation purposes. From my base in the centre of England, I have travelled all over the UK and Europe looking at cars, including Germany and Italy in 2024. It is not always necessary to inspect vehicles in person - I recently used a video call to inspect a classic Land Rover in Mallorca for a divorce valuation.
Are your online valuations suitable for court use including divorce?
Expert valuation reports for use in court must conform to a set format and carry very specific declarations. As the expert serves the court, the reports involve detailed research following inspection in person, so the online service may not be suitable.
That said, as the same experience and skillset goes into all of my reports, my online market valuations tend to be accepted in the pre-court stages of divorce negotiations, such as mediation and financial remedy discussions. However, should your situation go all the way to court, the court will usually require that a valuation report completed to Family Procedure Rules Part 25 be provided. If you start with one of my online valuations, I cannot work as a Single Joint Expert in your case as we will have a pre-existing relationship.
How do you use and protect my data?
All data is confidential: Specialist Car Valuations is ICO registered and will never share your details. We use your information solely for valuation. See our privacy policy.
Do I have to be a classic car club member to use your service?
You do not need to be a club member to use my unique online service. An in-house condition report form from your insurers is not required with my signed valuations.
What my customers say about my online Classic Car Valuations:
john@classic-car-valuations.com
Phone - Initial Enquiry Line
0333 996 7238
HQ
Woodford Halse
Northants NN11 3RN
Hours:
Mon-Fri: 8AM - 5PM
Weekends by Appointment
Valuations EXPERT
Classic Car Valuations is part of Specialist Car Valuations Limited: UK company 07983578. VAT No. GB 526 0583 96.