<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=1700626273582757&ev=PageView&noscript=1" />

Grundy car insurance any good

Not sure about something?

  • About our car insurance
  • Buying your cover
  • About your payment
  • My policy documents
  • Using the car
  • The policy excess
  • No-claims discount
  • Security devices
  • Making a claim
  • Changing your cover

About our car insurance

Who underwrites AA Car Insurance?

We find the best car insurance deal for you by comparing quotes from our hand-picked group of insurers. The insurer who gives you the best value for money on your car insurance will be your underwriter.

Back to top

Buying your cover

Can I get motor insurance that starts right now?

Yes. When you buy online or over the phone your car insurance can start immediately.

You'll need a credit or debit card to pay either the full premium or an initial deposit if paying by monthly instalments.

If I don't buy straight away, how long is my quote valid for?

You can future date your quote by up to 60 days. The quoted price remains valid as long as your details remain unchanged.

Do AA Members get a discount on car insurance?

When you get a quote online, confirm that you are an AA Member. You could get a discount when you insure your car with us for the first time, and on subsequent renewals if you remain an AA Member.

My car has modifications – will they affect my insurance quote?

If your car has been modified we can give you an online quote for a maximum of two modifications from the following list:

  • Alloy Wheels.
  • Front Spoiler or Air Dam.
  • Locking Wheel Nuts.
  • Rear Roof Spoiler.
  • Rear Spoiler or Aerofoil.
  • Bull Bars.
  • Dual Control.
  • Hand Controls.

Modifications will affect the quote price, as they present a higher risk than original components.

If your car has more than two modifications, or the modification isn't listed, please call us on 0800 197 7178 – we may still be able to give you a quote.

Back to top

About your payment

Can I spread my payments and pay by monthly instalments?

Yes, you can pay by monthly instalments. We'll ask for an initial payment by debit or credit card and the rest of your payment will be made in 11 monthly instalments. Credit will be provided by Automobile Association Insurance Services Limited, and you must be over 18.

How secure is my online payment?

We keep your personal details and your credit or debit card information private and secure when you buy online. We do this by using secure server software that encrypts any information you give us. It takes the characters you enter and converts them into a secret code, which is then securely sent to us.

Back to top

My policy documents

How can I access my policy documents online?

Your policy documents are in your My AA account. See the My AA help page for advice on how to access them.

Back to top

Using the car

Can I drive abroad with my car insurance?

AA Car Insurance provides the same cover you get in the UK in any EU country for up to 90 days in a year. So as a comprehensive policyholder, you have comprehensive cover when you drive within the EU.

Depending on your insurer, and for an additional premium, you may be able to extend the 90-day period, and be insured in countries outside the EU.

Am I covered for towing caravans or trailers?

When towing a caravan or trailer, you are covered for the costs you are liable to pay if you cause damage to property, or injury or death to someone.

Your car insurance also covers a single-axle trailer, worth up to £500 and kept in a safe and roadworthy condition, while attached to your car. For example, if you have comprehensive insurance, your trailer will also be covered on a comprehensive basis, which includes accidental damage, fire and theft.

When do I need to select business use?

Select business use when you use your car to travel to various places in connection with your work, such as offices or factories. Business use is not required when you travel to a single permanent place of work.

If I do voluntary work, do I need to select business use?

When you only commute to and from one permanent place of voluntary work, then select 'Social, Domestic, Pleasure & Commuting' for the use of your car.

If you travel to more than one place of voluntary work, our panel of insurers has agreed that 'Social, Domestic, Pleasure & Commuting' is also sufficient cover and should be selected.

But if you transport goods or people as part of your voluntary work, then please call 0800 197 7178 for a quote.

Please note, we do not charge an administration fee if you call us to update your policy to show you now do voluntary work.

Our panel of insurers operates under the statement below, issued on the Association of British Insurers website.

"The insurer will insure their policyholders to carry out voluntary driving, that is, the use of a vehicle they own in connection with, or for the benefit of, charities, voluntary organisations, clubs or societies, where payment does not exceed the HMRC mileage rates in force at that time. This does not cover use for hire or reward or vehicles owned by, hired to or lent to the voluntary organisation."

Can I drive other cars?

Yes, our comprehensive policy allows you to drive other vehicles with third-party cover, unless it's specifically excluded by your insurer. If this is excluded, we'll state this when you get a quote. If you've already bought car insurance from us, check your certificate of motor insurance. There are conditions that apply to this benefit, so please view our Car Insurance Policy Booklet for more details.

Back to top

The policy excess

What is a policy excess?

An excess is the part of the costs of a claim for loss or damage to your car that you have to pay out of your own pocket. Your insurance will be cheaper if you agree to pay more of these costs yourself. There are two types of policy excess:

Compulsory excess – the insurer will decide how much you'll be asked to pay for each claim before you buy the motor insurance policy. Check that you are comfortable with how much you'll have to pay for each claim before you buy a car insurance policy.

Voluntary excess – the amount you'd be prepared to pay on top of the compulsory amount. The higher you go, the lower your premium.

Can I pay a voluntary excess?

Yes, you can pay a higher voluntary excess for when you make a claim, usually up to £500. Typically, you pay less for your car insurance if you select a higher voluntary excess.

Back to top

No-claims discount

What is a no-claims discount?

A no-claims discount is a reward for not making a claim on your motor insurance policy. If you do make a claim, your discount will normally be less at the next renewal if your insurance company cannot get their money back from the person responsible.

Where can I find proof of my no-claims discount?

The renewal or cancellation notice from your previous insurer will contain proof of your no-claims discount.

Can I protect my no-claims discount?

Yes, you can pay an additional premium to protect your no claims discount. Depending on your insurer, you can usually make two 'fault' claims in a 3- or 5-year period without affecting your no claims discount.

What is the AA Uninsured Driver Promise?

If you make a claim following an accident that is not your fault, and the driver of the other vehicle is not insured, you will not lose your no-claims discount or have to pay any excess.

We just ask you to tell us the other vehicle's make, model and valid registration number, so that we can identify the driver of the other vehicle.

Can a named driver earn no claims discount on my policy?

Yes, named drivers over 25 years can earn their own no claims discount to use on an AA policy in the future. See our page about named drivers.

Back to top

Security devices

What is a Thatcham security device?

The Motor Insurance Repair Research Centre tests car security products for insurers. It's better known as 'Thatcham' after the Berkshire town where it's based. Most insurers like these products and give you discounts if you get them for your car.

What is a tracking device?

The police can track a stolen car with an electronic signal sent by this bit of kit hidden in the car. Most cars that have this are found after they are stolen. You can pay up to 10% less for your motor insurance if your car has a tracking device.

Back to top

Making a claim

How do I make a car insurance claim?

Call our 24-hour claim line 0800 269 622.

Before you call, please see how to make a motor insurance claim.

Is a courtesy car included on my policy?

Yes, a courtesy car is available with comprehensive cover. Following an accident, you will be provided with another car while yours is undergoing repair.

When you buy comprehensive cover direct from us, you also get a courtesy car for a total loss claim, where the vehicle is written off or stolen and unrecovered, or for accidents occurring outside the UK.

Is windscreen cover included on my policy?

If you have comprehensive cover, then windscreen cover is included. We cover the windscreen, sunroof and the remaining windows. And your no claims discount is not affected by a windscreen claim.

A windscreen replacement is subject to the applicable excess, but there is no excess to pay on a windscreen repair.

You can check your windscreen replacement excess when you get a quote online. On the quote page a summary of your details includes a link to 'Excess details / policy terms'.

How can I get my windscreen repaired?

Call our 24-hour claim line 0800 269 622 and select option 2.

Back to top

Changing your cover

What information is needed to advise a change of vehicle?

Please call 0800 316 1193 and select option 1 to make any change to your policy.

If you have changed your vehicle, we'll need the same type of details as you provided for the previous model, such as registration number, market value and any modifications.

Can vehicles be added temporarily?

Usually yes – call us on 0800 316 1193 and ask to add a temporary additional vehicle (TAV). We'll need to know all the details of the model.

Allowing a TAV is subject to the current insurer accepting the risk. Test drives are not covered.

You can add a TAV from 1 day to 4 weeks, and a cover note will be issued.

We cannot offer insurance where a policy is already in place for the vehicle.

Back to top


Key points

  • There's no standard definition of a classic car - this varies between different insurers
  • Cheap premiums can often be found for classic vehicles as owners are considered low risk
  • Gocompare.com can offer options for most cars, but particularly unusual vehicles or usage may require a specialist insurance provider

Classic car owners are often devoted to their vehicles and will want to find the right car insurance to protect their pride and joy.

To help you we quickly search multiple insurance brands, both classic car specialists and mainstream providers.

This gives you an easy way to compare classic car insurance policy options, using information from independent financial researcher Defaqto to make sure you have the right cover for your pride and joy whilst also potentially making significant savings.

Definition of a classic car

Any car over 15 years old can be considered a classic for insurance purposes - the definition is at the discretion of the insurer.

The good news for owners is that prices for classic car insurance policies can be very competitive - many insurers believe that such vehicles have a good chance of being well maintained by caring drivers, who may keep to a low mileage.

The right vintage car may also be one of the more affordable options for young and newly qualified drivers seeking insurance.

Restrictions on classic car use

While there are many advantages to insuring a classic car rather than a more modern vehicle, you need to read your policy with care to ensure it's suitable for your needs.

For example, some dedicated classic insurers may place strict restrictions on annual mileage with the assumption that the vehicle is used for enjoyment on high days and holidays. If your classic car is used on the daily commute, ensure you can stick to any mileage limit or other defined terms.Car stolen no mot insurance agents

Telematics insurance for classic cars

Another option that may be worth considering is telematics. This can benefit any safe, attentive motorist as it bases your insurance on actual data from the way you operate your vehicle.

Individual circumstances and policies will vary but, for example, a classic car driver who does a small mileage and doesn't drive at peak times may find a telematics deal an attractive option.

Some telematics policies work by having a 'black box' fitted to send data to an insurer and it's possible that certain classic vehicles may not be suitable for this, but other telematics options operate through a mobile phone app so your vehicle won't have to be touched.

If you search for classic car insurance through Gocompare.com, on our results table you'll see telematics deals labelled and listed alongside more traditional policies, giving you the opportunity to compare and contrast the options.

Agreed valuation and salvage retention

The true value of a classic vehicle can be difficult to establish if it needs to be repaired. It's possible, for example, that replacement parts for an older vehicle will be expensive or difficult to come by, making repair prices high.

Need more information?

  • FAQs on car insurance
  • Car insurance guides

What's more, the tender loving care that's gone into restoring or maintaining a vehicle can be hard to quantify, as can the difficulty of finding a replacement.

With this in mind, you may want to ensure that you get an agreed valuation in place for your car rather than relying on market price, and some insurers will be able to offer this.

What's more, they may be able to help with salvage retention. In the unfortunate event that your vehicle is declared a cosmetic write-off - meaning its repair would cost more than a new car - salvage retention would give you the right to buy it back.

Classic car security

Desirable vintage cars can be attractive to thieves and they may not have the same sophisticated security systems as more modern vehicles.

Did you know...?

  • If your car was made before 1960 it doesn't need to be MOT tested - but your insurer may require proof it's roadworthy
  • If your car was registered before 1974 you don't have to pay road tax
  • From 1 April 2017, legislation changes will make more classic cars exempt from road tax. Annually on 1 April, vehicles constructed more than 40 years before the 1 January of that year will automatically be exempt

Some insurers may insist that your vehicle is garaged overnight, or that it's fitted with enhanced security systems.

Fitting an alarm, tracker, or another sort of security device is always worth considering as a way of protecting your beloved machine, and it may help cut the cost of cover.

Bear in mind, though, that any insurance discount will not necessarily cover the outlay on the device - read our article on car security and insurance for more information.

Modifications on classic cars

Security aside, any modification to a classic car may well result in less insurers being prepared to quote for you and/or a rise in premiums.

The key point is to ensure you inform your insurer of any change to the factory-standard specification - if you don't, you may invalidate your cover.

This can be an especially important area to consider with classic cars because it's possible that original parts are no longer available and that you've had to implement a work-around.Robert car insurance

To find out more, read our modified car insurance page.

Laid-up cover

When insuring a classic car, remember that you'll need year-round cover for your vehicle, even if you only use it in the summer. The Continuous Insurance Enforcement law demands this, unless you've filled out a Statutory Off Road Notice.

However, if it suits your needs you may be able to arrange laid-up cover. This could reduce your premium in return for agreed periods when the vehicle is being restored or kept in a garage.

Specialist use of classic cars

Many classic cars are used for special occasions. This may be because of their appeal and attractiveness - being hired out as a wedding car is one typical example.

Remember that a standard car insurance policy is unlikely to cover you in such circumstances. Again, make sure you inform your policy provider - you can read more in our guide to insuring a car for work use.

From Covered mag:

  • Classic car buying guide
  • Hiring and driving classic cars

Other owners may enjoy taking part in public road rallies or trials. Don't assume that your policy covers such activities - read the terms and conditions, or speak to your insurer.

Classic car clubs

If you're a member of a classic car club it's possible that some insurers will offer you a discount when arranging cover for your vehicle.

Such clubs can also be a good way of finding specialist insurers for your vintage vehicle, but it's always worth comparing the prices and product features on offer against other options on the market by using a comparison site such as Gocompare.com.

By Sean Davies



If you are a classic car enthusiast, you are probably aware that the standard auto insurance policy can be inadequate to address unique situations of owning a classic or antique automobile. These vehicles may be driven only a few miles a year to car shows or perhaps not at all. In addition, the value and replacement costs for classic automobiles can sometimes far outweigh those of a standard-use auto.

For these specific needs to be addressed, you may want to buy a classic car insurance policy. One of the top classic car insurance companies is CHROME Classic Car Insurance.

Company Overview

Chrome Classic Car Insurance is part of ANPAC which is a subsidiary company of American National Insurance Company, a family of companies providing personal and business insurance as well as financial products since 1905. American National Insurance Company has an “A” rating with insurance rating organizations A.M. Best and Standard & Poor’s Financial Services, LLC. The company also has received numerous customer service awards and has an “A+” rating with the Better Business Bureau.

Policy Features

Not every car qualifies under CHROME’s classic auto insurance policy. To qualify, a car must be at least 25 years old and have been restored to original condition. If a car is original and unrestored, it must be at least 25 years old.

For modified and custom classic cars, the value must exceed $50,000. For cars that qualify, CHROME offers these policy features:

  • Agreed Value Coverage: In a covered total loss, you will receive the vehicle’s value with no depreciation less your deductible.
  • Generous Annual Mileage: Annual mileage allowance of 10,000. An unlimited option is also available for owners who drive their cars more.
  • Roadside Assistance and Flatbed Towing Option: Coverage for mechanical breakdowns, gas outages, locked-in keys and flatbed towing. The coverage is 24/7.
  • Repair Facility Choice: You are not restricted to your choice and may pick any repair facility to repair your vehicle when it is damaged in a covered accident.
  • Spare Part Coverage: Replacement cost of up to $1,000 for spare parts.
  • Common Cause of Loss Deductible: If you have both your home insurance and auto insurance through ANPAC, you can use the same deductible if you have damage to both caused by the same event.


  • Collector’s Discount:  This discount grows with the number of classic cars on your policy up to 85%. To qualify, more than one vehicle must carry liability coverage.
  • Fresh Start Discount: If you apply for coverage before your policy with your current company expires, you can receive a discount on your first six months of coverage.
  • Tri-Line Coverage Discount: The tri-line coverage discount applies for policy holders who have a vehicle, home and life insurance policy.

The Bottom Line

CHROME Classic Car Insurance is a part of ANPAC and parent company American National Insurance Company, a company with top financial strength and customer service ratings.

 If you have other insurance through ANPAC, you can receive some substantial discounts and savings of 25% or more off your total policy premium.

Annual mileage allowance is $10,000, which is a good amount for any pleasure driving you may want to do in your classic car.  If you drive your car more, an unlimited mileage option is also available. All in all, CHROME is a great option for antique car owners, especially those who have other policies through ANPAC and can receive the greatest discounts. Getting a quote online is a simple process and there is also an iPhone App available offering a classic car price guide, car show directory, photos and email features.

Contact Information

To receive a quote for CHROME classic car insurance, find a local agent or learn more about coverage options, you can visit the CHROME website or call American National’s Client Services Center at (417) 887-0220.

Customer service hours are Monday-Friday (7am to 8pm CST), Saturday (7am to 7pm CST) or Sunday (9am to 7pm CST).


Add comment

This e-mail already registered. or enter another.