Buying Classic Car Insurance
So, you have kept your old faithful car and now it has turned of age? Or perhaps you feel like treating yourself to that classic car of your dreams. Well, these special babies have special needs and one of those being classic car insurance. It can seem quite daunting when faced with the task of finding the best deal, which is when it can prove helpful to use a specialist broker who will be able to search the market place on your behalf.
So what sort of cover is required? That depends on how you wish to enjoy your car. Firstly, you need to estimate your annual mileage, as there are policies to suit the various mileage options: 1500, 3000, 5000 and 7000 miles etc. Then ask yourself will you be driving only on sunny days and just for the sheer joy of it, or are you going to become a classic car enthusiast? If it is the latter, then you need to look at policies that could include rally cover, for those uncompetitive and un-timed events of course. These can be upgraded to suit the more spirited owner who wishes to take part in sporty events. Track day cover may also be an option for those who wish to see what their baby (and themselves) can do on the racetrack.
For those who wish to gain some income from their classic car, perhaps by using it for wedding hire. There are policies that cater for wedding hire either by the day or for a year.
The monetary value of a car can influence the cost of the policy. It is often difficult to put a price on a classic car because their condition varies. Therefore, it may prove wise to obtain a valuation before seeking classic car insurance, although not all insurers require an agreed value. As with the insurance for your everyday car, certain details will affect the cost of your classic car insurance. For example: the make and model, the excess amount your are prepared to pay in the event of an accident, where you live and where you will be keeping your classic car overnight, are all factors that will be considered.
If you plan to go touring, you will need to look at policies that can contain free Green card cover and perhaps full breakdown and recovery services for the UK and Europe. You may also wish to consider having the option to retain salvage in you policy and the inclusion of windscreen and window cover.
With classic car insurance, there are often discounts that are available if you belong to a classic car club or are a member of the Institute of Advanced Motorist. The price may also be discounted if you are an experienced driver and if you have owned your car for more than three years. A number of insurers will offer discounts if you insure multiple cars with them, even if the second car is you everyday car. With this plethora of options and insurance providers all vying for your business, using a specialist classic car insurance broker will help you find the best deal.
David Thomson is Chief Executive of BestDealInsurance (http://www.bestdealinsurance.co.uk) an independent specialist broker dedicated to providing their clients with the best deal on their home, motor and life insurance.
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