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Classic Car Insurance
Choosing car insurance for your much loved classic car has, in previous years, not been something that attracted insurance companies; they used to look upon the classic car as just another motor vehicle and applied their normal criteria to the task of giving a premium quotation. Happily that is now a thing of the past and there are specialist divisions that will offer excellent insurance cover and rates for the classic car owner.
When insuring your classic car the first thing to consider is whether it actually falls into the category of classic ace in the first place, just being old does not necessarily make it a classic car, although it almost certainly will. In common with most classic car owners, it is likely that you will use your car in the summer only and then possibly only in dry conditions so the annual mileage will be low. The specialist companies usually offer policies that cover annual mileage from as low as 1500 miles up to an accepted maximum of 10,000 miles, in this latter case you would be covering about 60 miles a day every day!
Insurers look for immobilisers and anti theft devices on classic cars which as a proud owner you will have probably have had fitted, certainly these items will reduce your premium and are well worth considering if yours does not have these. You may well consider that it is worth having an excess added to your policy, this is where you would pay the first part of any repair bill, and these vary from £50.00 upward and can have a big effect upon your premium. Keeping your classic car in a locked garage, we imagine, is the normal place where it stays summer or winter and your premium will certainly be affected if this is not the case, as will the number of people and their age and experience that you wish to add to the policy.
We are in a position, using our comparison site, able to find many different policies and there will be one that is right for your classic car.