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If you need any help, these articles may be of use to you.
These Articles will explain a little further about classic car insurance incase you’re wanting more information, feel free to take a read, They should help you with obtaining a decent low price classic car insurance quote.
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Classic Car Insurance in the UK could not be easier!
Vintage and classic car owners are often devoted to maintaining their cars because they consider them a hobby, passion and a great treasure. That’s why they need specialised classic car insurance policies that can protect the cars against any damage as well as the increased risk of theft. But since the insurance market is filled with a lot of insurance companies, there’s need for one to carry out classic car insurance comparison to find favourable policy options that can cover the classic car while making significant savings.
What Is A Classic Car?
For insurance purposes, a classic car can be defined as a car that’s 15 years or older. There’s no fixed age group into which a classic car can fit into; the definition is entirely at the discretion of the insurer. That is why it is good to compare among the range of classic car insurance providers and prices before subscribing to one. Classic car policies prices are very competitive as many insurers believe that such vehicles are well maintained by caring drivers and keep the lowest mileage as possible.
How Are Classic Car Insurance Covers Valued?
Classic car insurers offer either standard cover for cars at their current market value ( which can be less than their true value) or specialised classic car policies covering cars for their true value as classic( often referred to as agreed value cover). Car owners looking for agreed value cover can always speak to insurers to find out whether they can add it to their policy. Choosing to add an agreed value cover to a policy might increase premiums and cause the car owner to incur additional charges but it can offer cover that’s specifically tailored to the classic car. Other additional cover options offered by insurers in the UK market include breakdown cover, legal protection, EU cover, Laid up cover (when the vehicle is on the road) and limited mileage discounts. It is important for classic car owners to look at the fine print of the cover value of any of policies before buying any of them, if they have any doubts.
How Is Classic Car Security Ensured?
Desirable classic and vintage cars can be attractive to thieves since most of them do not have sophisticated security systems. That’s why some insurers will insist that classic vehicles under insurance be garaged overnight or be fitted with enhanced security systems. Fixing an alarm system or a tracker on a classic car can not only protect the car against any risk of theft but it also helps significantly cut down the cost of the cover. Upon making any modification to the car, the owner should inform the insurer of the changes made to the factory-standard specifications, without which the cover will be invalidated.
Is Joining Classic Clubs Important When Finding An Insurance Cover For A Classic Car?
Members of a classic car club often receive discounts from some insurers when arranging cover for the vehicle. Some clubs can also provide for a convenient way of finding specialist insurers for vintage vehicles. But the most important thing for any classic car owner is to compare prices and product features against the other available options in the market so as to get the right policy at the lowest cost possible.
There are additional benefits to joining a classic car social group, outings, drive bys during summer periods and just the general fun you would obtain from driving your classic car, besides all that, you can meet great people who share the same interests as you.