Why under-25s are buying classic cars instead of modern models

Britain’s youngest motorists are increasingly looking to the past when choosing their next car, with classic vehicles emerging as an affordable alternative to many modern models.

Specialist insurer Just Kampers says the number of under-25s taking out insurance for classic cars, modern classics and campervans has risen by more than 200% over the past two years, reflecting growing interest from a new generation of enthusiasts.

Leading the trend is the iconic air-cooled Volkswagen Beetle. Rather than expensive collector’s cars, younger buyers are opting for practical, usable classics, particularly Beetles built before German production ended in 1980.

With prices typically ranging from £5,000 to £10,000, these cars can cost little more than a conventional used hatchback. However, the real financial advantage may come after purchase.

Just Kampers highlighted the example of a 23-year-old driver with three years’ experience living in the GU9 postcode area. A fully comprehensive policy for a 1967 Volkswagen Beetle valued at £7,500, including social, domestic and commuting use with an annual mileage of 10,000 miles, was quoted at £463 with a £250 excess. Comparison websites were unable to provide a quote for the classic vehicle.

Using the same driver’s details for a 2019 Volkswagen Polo returned a lowest comparison-site premium of £704, alongside a significantly higher £525 excess.

Insurance savings are only part of the attraction. Just Kampers says conversations with owners at classic car events suggest younger buyers are increasingly drawn to older vehicles because they stand out from today’s largely uniform designs and generate interest on social media.

Many owners also enjoy the opportunity to carry out maintenance themselves. Unlike many newer vehicles that rely on complex electronics and specialist diagnostic equipment, classic cars can often be repaired with basic tools and mechanical knowledge.

Drivers say learning these practical skills not only reduces running costs but also provides a rewarding sense of achievement. Some historic vehicles may also qualify for exemptions under certain clean air zone schemes, although eligibility depends on the vehicle and local regulations.

Owning a classic is not without drawbacks. Older cars generally require more regular maintenance, replacement parts may not always be immediately available, and they cannot match the safety technology, comfort or convenience found in many modern vehicles.

Even so, the combination of distinctive styling, accessible purchase prices and the potential for lower specialist insurance appears to be making classic cars an increasingly attractive option for younger drivers looking to keep motoring costs under control.

Drivers interested in specialist classic car insurance can find out more through Just Kampers.