Classic Car / Kit Car Insurance

A classic car or a kit car is likely to be the apple of your eye. You might have spent many a happy hour restoring it or assembling it yourself. Quite naturally, therefore, you are likely to want it protected through the normal safeguard of insurance.

Unfortunately, that is where your problems might start. The majority of insurers prefer standard production models, unmodified in any way. That preference is such that many insurers may decline cover for a classic or kit car, or charge you an especially hefty premium for the privilege.

What is classic car/kit car insurance?

What is classic car/kit car insurance?

  • the answer to these types of problems lies in a specialist type of insurance which embraces rather than shuns the individuality and difference of your pride and joy;
  • it is quite appropriately known as classic car/kit car insurance – a specialist type of cover in which we at Specialist 4 have a particular knowledge, expertise and experience;
  • specialist insurance such as this is necessary thanks to the sheer individuality of classic and kit cars, such that each one is different, has a character, appearance and performance of its own – the very reasons for your being attracted to them in the first place;
  • for a clue as to the huge range and individuality of various classic and kit cars, you need look no further than a website such as Kits and Classics;

What does classic car/kit car insurance typically cover?

What does classic car/kit car insurance typically cover?

  • it is in the very nature of a vehicle that is so individual that insurance needs to be carefully tailored to suit its particular needs;
  • as with most forms of motor insurance, levels of insurance cover range from the basic third party only, through third party, fire and theft, to fully comprehensive insurance;
  • in the case of a classic or kit car and the investment in time and money you are likely to have put into it, however, you are probably most interested in comprehensive cover to protect your pride and joy against the many causes of accidental damage;
  • with this type of motor insurance, you might also want to bear in mind the relevance to the cover needed – and what you have to pay for it – to questions about its annual mileage and whether you intend to use it principally for driving on the roads or for exhibition purposes;
  • more than any other form of motor insurance, you might want to make sure that you are the sole named driver on your policy;

Who is classic car/kit car insurance suitable for?

Who is classic car/kit car insurance suitable for?

  • this is a specialist form of motor cover, occupying a particular niche in the huge motor insurance market, designed for individuals with a passion not just for cars but for classic and kit cars in particular;
  • if you want to arrange cover designed to protect your classic or kit car against the many risks and perils to which it might be exposed, the solution may be with this specialist type of insurance – at a cost which might surprise you by its competitive rate.

Summary

Summary

Classic and kit cars come in all shapes and sizes. The individuality and character that makes each one different is likely to be the overwhelming appeal to any owner.

Although those very differences might be enough to put off the majority of other motor insurers, specialist classic car/kit car insurance takes all those individual qualities in its stride.

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