IMHO, Classic car insurance is always better approached over the phone or face to face. I got a brilliant deal from talking directly to an underwriter who was fascinated by modern classic cars.

This is especially the case when you have a good driving record and a low claim history. It separates you from the stereotype 'speed freak' or 'adrenaline junkie'. Only a human can do this!

If you live outside of a 'high risk' area that reduces further. There are so many aspects to consider verbal is the way to go. Computers are great in their place but they can't program the 'human touch' into them.

However, that said. It does pay dividends to shop around and look at 'agreed value' policies if you have a particularly exceptional classic.