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Having car insurance ensures you are covered financially if the worst were to happen to your car. Such incidents could involve damage from an accident, theft, vandalisation and fire damage. Car insurance means you won't have to dig into your pocket to pay for potentially huge repair or replacement costs.
Car insurance is a legal requirement for cars driving on public roads. You will be heavily penalised if you are found to be driving without insurance. The minimum level of coverage you must legally have is third-party car insurance. Third-party insurance covers the damage to another person's car, for example, in a collision accident, but provides limited cover for your vehicle.
Car insurance is either made up of an annual or monthly premium. Annual premiums are paid in a single lump sum when a policy is purchased; monthly premiums require a deposit and a monthly direct debit. Many factors come into play that will affect the cost of your car insurance. It needn't cost the earth when you take the time to compare premiums.
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Classic Car insurance – Why does it exist? Classic cars are proven to be more temperamental than new models. With the right insurance policy, you could be secured against unexpected damages. As a result, your classic car insurance policy will help keep your classic car covered. Compare classic car insurance online today.
As a result, you can spend days and hours searching the internet for hundreds of search terms like “cheap classic car insurance” or “best vintage car insurance” to pinpoint an ideally suited offer. But why waste your time? By completing one document, this quote form could help you find cheap classic car insurance deals from several classic car insurance providers.
Owning a classic car can be a dream for many car enthusiasts. However, having the right insurance is essential to protect your investment. Here’s what you need to know about classic car insurance in the UK:
In the UK, a classic car is generally defined as a car 15 years old with a value of at least £15,000. However, the definition can vary between insurance companies. As a result, you must check with your provider to see what they consider a classic car. According to Andrew Evanson, the senior operations manager at Lancaster Insurance, “Classic cars are often defined as being over 15 years old and having a value of at least £15,000. However, some insurance companies may have different criteria for what they consider a classic car.”
Classic car insurance is designed to provide cover tailored to traditional car owners’ needs. Regular car insurance may not cover a classic car with different associated demands and risks. According to Tim Schofield, the head of classic car insurance at Footman James, “Classic car insurance is designed to provide cover tailored to the needs of classic car owners. This can include cover for things like agreed value, salvage retention, and spare parts.”
What does classic car insurance cover?
Classic car insurance can provide cover for a range of risks that are unique to classic cars. This can include cover for things like:
Agreed value: In the event of a total loss, the insurer will pay out an agreed value for the car rather than its market value.
Salvage retention: This allows the owner to retain salvage rights to the car in case of a total loss.
Spare parts: This covers the cost of replacement parts for the car, which can be challenging to find for older models.
Limited mileage: This can help to keep premiums low by limiting the number of miles that can be driven in the car each year.
Andrew Evanson states, “Classic car insurance can cover a range of risks unique to classic cars. This can include cover for things like agreed value, salvage retention, and spare parts. Check with your insurance provider to see what’s included in your policy.”
Not all insurance providers offer this type of coverage, so finding the right classic car insurance can be challenging. Researching and comparing quotes from different providers is essential to see the right policy for your needs.
Tim Schofield states, “Finding the right classic car insurance can be challenging, as not all insurance providers offer this type of cover. It’s important to look for a provider specialising in classic car insurance and has experience working with classic car owners.”
Therefore, Understanding classic cars’ unique risks enables owners to make informed decisions when choosing a classic car insurance policy. Remember to shop around and compare quotes from different providers to find the right cover for the investment.
To car enthusiasts, ‘classic’ can be a subjective term – what is a desirable vintage car to one person might be an expensive pile of scrap metal to another. When it comes to importing and exporting classic cars, HMRC has outlined that a classic vehicle was produced before 1960 and has a current approximate market value exceeding £15,000. But for insurance purposes, a car has to be older than 15 years to be considered a classic.
However, this doesn’t mean that a hatchback from the late nineties counts as a classic, as the vehicle has to be limited production and valuable. An important caveat is that each insurance provider has their definition of what can be called a ‘classic’ car or vehicle, so be sure to pay attention to the specifics when comparing policies.
Insurance for vintage vehicles is unique for the following reasons;
Many old cars have a distinctive vintage charm that makes them a joy to drive and own, but there is no denying that modern vehicles are vastly more reliable. With a relatively high likelihood of mechanical failure, ensuring that your policy includes breakdown recovery is a priority.
Insurance premiums are also likely higher for older cars because of the lack of safety equipment on many pre-1960s cars. Seatbelts were not mandatory on vehicles sold in the UK until the mid-70s, and ABS brakes came much later.
Replacement parts and fitting costs are also far more expensive than a run-of-the-mill modern car. Many manufacturers either no longer exist or have ceased manufacturing parts for old models, so specialist garages must perform repairs and maintenance.
Classic car ownership is more than everyday commuting, and you want your beloved car to be protected for a reasonable price. Comparing insurance policies yearly is an ideal way to ensure your policy has suitable extra options, excesses, and coverage. After all, the less money you spend on insurance, the more you can spend on making your car pristine and concours-ready.
Please note: This Insurance comparison tool is provided for your use by SEOPA. Insuro.co.uk is not responsible for the contents of the comparison you receive.
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