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Classic Car Insurance

You choose to drive a special car and thus you need to also have special cover you’re your treasured automobile. Specialist car insurance specifically for owners of classic and collector cars, antique cars, exotic or custom motor vehicles is by no means a recent phenomenon – nevertheless, an extremely large percentage, almost half of the owners whose cars fall under these car insurance brackets do not recognize that there are companies out there with special schemes in place for their treasured vehicles which could well be saving them precious cash on their car insurance premiums!

Would it cost you more?

Having chosen to own a classic car, you may you may well have given thought to the prospect that, to insurance companies, your choice of car could be seen as an excuse for them to slap you with weighty premiums, but this may very well not be the case. There are many insurance companies who realize that classic car owners tend to have a lot more pride in their vehicles than ‘Mr and Mrs average’ in their ford mondeo, and characteristically are far more careful drivers. Thus this is reflected in their attitude toward their premium rates.

There is a growing list of car insurance companies moving into the classic car market offering fantastic value insurance for such vehicles. There are web based insurance companies that will insure any classic vehicle so you will not be stuck.
Subsequently, whether you are a classic car owner who uses their vehicle for day-to-day use, like travelling to and from work. Or the owner who treats their pride and joy as just that, in only getting the precious one out for specialist shows, rallies, exhibitions, track days or club events, you will need a specialist provider that understands your individual requirements as the driver of a classic car. There is a wide spectrum of drivers that fall under this heading, so detail in questioning is essential for the insurer.

Where to shop

Contacting the usual high street insurance companies may not be a bad idea, but be sure to inquire first if they deal with vintage cars, as if you go down the usual arduous protocol with questioning you may find you’ve been asked around twenty questions before they inform you that they do not cater for cars of that age. To avoid this hassle that you can often experience when trying to attain insurance cover for a vintage car, you might find it preferable to deal with a specialist insurer, such as those we have listed.

You can, in general, choose from the regular insurance options of third party only, third party fire and theft, or fully comprehensive cover, when dealing with these specialists. Typical classic and vintage car policies will come with the full range of benefits and options that you might expect to find with any normal vehicle policy, such as safe driver discount, discount for vehicle immobilisers, low mileage discount, windscreen and personal accident cover, but evidently all policies do differ.

You could look at taking out a Used car loan to purchase your classic car, as it is no doubt not straight of the forecourt.

Alternatively, you can pick up a bargain classic car from abroad in Europe or the states. These cars are often cheaper and you can get specialist insurance. If you are looking into this area of classic car buying, check out Flights for the best deals on flights to the USA and Europe.