RH Specialist Insurance

General information

In 1977 we created a unique club insurance scheme, reflecting the special relationship enthusiasts enjoy with their vehicles.

Historically, the insurance market rated specialist vehicles based solely on their value and performance, consequently charging an exaggerated rate for the perceived risk. Fortunately, we persuaded a Lloyd’s underwriter to take, what was at that time, the unprecedented gamble of offering dramatically reduced premiums for classic vehicles, particularly those of pre-war vintage.

Today, the legacy of that original concept is being continuously honed and improved so our clients can enjoy both enhanced cover and significant premium savings.

Owning a classic car is a journey; it can start with a burning ambition to own the vehicle of your dreams, a box of bits or an inherited heirloom.

We offer policies which can cover your vehicle, whether it’s dismantled on the garage floor or already a concours winner; whether it’s being restored by your favourite mechanic or touring Europe.

We introduced classic vehicle insurance more than 35 years ago and we are still enhancing our policies to provide the specialist, tailored cover you need and expect as a proud owner.

The vast majority of our customers stay with us every renewal year; possibly for our competitive rates or our quality service – probably for both.

Why choose RH Specialist Insurance?

No broker administration fees
No upper age limit*
Cover available for 18-25 year olds*
Agreed value cover available (subject to club or independent valuation)
Free and automatic salvage return for all vehicles over 20 years of age
UK & European breakdown & recovery, including home service
Multi-vehicle insurance – combine your specialist vehicle collection and modern cars onto one policy (providing the majority are classic)

* Subject to underwriting criteria.

RH Specialist Insurance is a trading name of Hiscox Underwriting Limited. Hiscox Underwriting Limited has granted a licence to ERS Syndicate Services Limited to use the brand name, RH Specialist Insurance, subject to the terms of the licence. The insurer on all RH Specialist Insurance policies is Syndicate 218 at Lloyd’s, which is managed by ERS Syndicate Management Limited. ERS Syndicate Services Limited is an Appointed Representative of ERS Syndicate Management Limited, which is authorised by the Prudential Regulation Authority and regulated by the Prudential Regulation Authority and Financial Conduct Authority. Hiscox Underwriting Limited is authorised and regulated by the Financial Conduct Authority.