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Classic Vehicles - If you are someone who only uses a vehicle for short trips then you are unlikely to want to pay the full amount for a standard policy designed for people who use their vehicles on a regular basis.
“Cherished” Agreed Value Vehicle Cover- This is for people who own rare or vintage vehicles. As with limited mileage cover this policy is ideal for people who do not tend to drive their vehicles on the road and mainly take them to events.
Second Car Insurance- You may have your own road vehicle and may wish to have separate cover for another one.
Specialist Import- Imports need specialist cover because it can be harder to source parts. American or Japanese vehicles and the like.
Kit vehicle cover- If you have modified a vehicle in order to enhance its performance then you need specific cover. This is also true if you have put together a vehicle from a kit as opposed to one that has already been assembled.
Replica cars – For vehicles that look like a Porsche, Ferrari, etc.
Competition cars – used on track days
Military vehicles – Ex military vehicle, historical vehicles from Jeeps to Tanks
Modified cars or vans – whether being cosmetically changed or the vehicle has undergone an increase in power out-put
4x4 vehicles – standard or modified or used for off road purposes
Classic Trucks – any form of Classic Commercial vehicles from small pickup and vans to HGV/Coaches etc.
Seeing a Specialist
The reason a specialist insurer is worth contacting is because they will understand the needs of someone with a specialist vehicle. For example if you have purchased and modified an Eastern bloc military vehicle a standard insurer may not necessarily understand the steps needed to make that vehicle roadworthy and this will often be reflected in the quote.
A specialist insurer is more likely to know and more accurately reflect the costs involved in sourcing parts, getting the right repairs and so forth and this will help to get you a more accurate quote that is appropriate for your needs.
There is the fear that getting a specialist cover will be more expensive. This does not necessarily have to be the case. For example if you are part of a classic car driving association or club then you ought to be able to get a discount. The reason for this is that generally people who take their vehicles to events with other passionate drivers are more likely to take care of their vehicles and therefore are much less likely to take risks and damage them.
Another option is fitting a black box to your vehicle. People often associate the phrase “black box” with air travel and sadly often more with crashes as opposed to its main function as a recording device detailing information on flights. What you may not know is that it is also possible to get a similar black box recorder to record information about you while you are driving a road vehicle.
Some people may wonder why you would want to do this. The simple reason is that insurance cover is calculated according to risk. Often these estimates are based on broad factors such as age, accident records in the local area and so on.
This is calculated according to the information the device records. Therefore if you have a modified vehicle and you only drive it to events and keep it stored for the rest of the time then your premiums will be lower because the policy is calculated on actual mileage as opposed to theory.
Finally security is another factor in reducing premiums. Security measures that can help reduce costs include-
9 Kenton Lane,
Kenton, Newcastle upon Tyne, NE3 3BQ
Tel 0191 213 0748
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