Would You Risk Not Having Classic Car Insurance?

Is your car over fifteen years old?

You may be entitled to insure the car under what is known as a classic car insurance policy.

Until recently there were many more restrictions on cover under this type of policy and specialist motor insurance brokers and insurance companies were very particular about the type, age make and models of the cars they wished to cover on their books.

If you have not owned a classic car before it is important to realise that there are basic differences between what is known as a standard car insurance policy and the cover offered under one defined as classic, from a specialist car insurer.



What might be easily covered with one provider may be excluded by another. Fortunately most online classic car cover providers provide this information on the first page of their websites, so it is fairly easy to surf around and check your eligibility with different insurance companies.

The major variation between a standard policy and those offered by the classic car specialists is in the way that you use your classic vehicle, and in particular, how much you drive it.

The large mainstream insurers and price comparison sites will offer cover for older and classic cars but will charge an additional premium because of its age. They will also load the premium if replacement parts for the vehicle type are known to be expensive.

It is now possible to obtain both cheap quotes and classic car covers online from many providers including the majority of those famous high street brands, who have realised that nearly fifty percent of the cars on the road now fall within the strict underwriting parameters for classic car policies.

When searching for the right covers it is wise to get a range of classic car insurance online quotes from various different sources. Not all motor companies are the same, and neither are all classic policy conditions.

The problems occur much more frequently when non valuable classic cars are insured under this type of policy when they should really be covered under a more embracing standard motor insurance.

If you have decided that a classic car policy is right for your car, then when applying for quotes online always check that the policy is right for you, the owner as well.

If the value of the car is not particularly high and the replacement costs of parts and repairs does not warrant a specialist policy, you may well be better advised to seek out quotes from a mainstream insurance company. They often have additional online discounts and offers which the classic policy providers are not in a position to offer.

If you purchase a specialist classic car policy you will be offered a choice of either an agreed valuation of the classic cars worth or a policy based on market value.

It should be noted that even agreed valuation polices can change and you should ensure that the value is guaranteed for a certain period of time to avoid fluctuations in market values.

The other major difference between standard and classic policies is in the way that you are allowed to use your car under the terms of the agreement. Originally this type of vehicle insurance was designed for drivers who do not use their classic cars much.

These policies reflect the fact that many drivers now use modern day classic cars as their main form of transport.

As with all car insurance what may initially appear cheap at policy inception could cause some unpleasant surprises when it comes to making a claim. There are many classic insurance providers available online and many classic schemes that are targeted at particular classic cars owners.

Shop around for Classic Car Insurance. Compare prices and insurance covers from both major high street brands and the smaller insurance specialists to ensure you not only get a good deal, but get the adequate levels of cover you require for your classic car, as well.

For immediate cover or to discuss your classic car insurance requirements with experts - Call Flux on 0800 089 0182 and get classic car insurance from the UK's leading provider.