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buying Specialist Car insurance For Your Classic Motor
Do you own a non-standard car? Specialist car insurance may be Cheaper
In the UK a large number of cars fall into categories that the majority of mainstream car insurance companies do not want to cover!
Specialist Car insurance is necessary for:
young drivers
Lady Drivers
Drivers with 2 or more previous accidents or claims
Drivers with 2 or more driving convictions
Any driver with a Criminal conviction
Any driver with disability or medical condition
Any person who has had insurance refused / cancelled
All Drivers over 75 years old
Drivers residing in high rated risk areas
Drivers residing in the Channel Islands & Isle of Man
Drivers with non-standard jobs or occupations such as publicans, entertainers, celebrities, footballers, actors etc.
and anyone who drives the following vehicles:
Insurance Group 15 cars or above
Kit Cars
Classic Cars
Imported cars, japan, Australia etc.
Left Hand drive Cars
American Cars
Custom Cars
Hot Hatch Cars / High Performance
Military Vehicles
Camper vans
Vans used for pleasure and touring
Motorhomes
Exotics cars such as a Bugatti, Ferrari etc
Cars over 20 years old
Mini’s & VW Beetles
wedding Cars
Limousines
Driving Tuition & Driving Instructors
Van Insurance and commercial Vehicle
Modified Cars
American imports
Double Cabs and Pick Ups
Grey Imports
Car insurance companies employ people called actuaries who constantly check statistics and data to come up with rates for various risks.
The actuaries and the underwriters set the risk rates for certain groups of people or car combinations. Consequently many people who do not fit the standard that the actuaries and the underwriters want, find themselves either completely excluded from the quote process or given a quote offer that is so expensive, that the risk in question will not take out the cover, and does not enter and threaten the value of the existing risk pool.
What those who purport to compare the market often fail to tell you when you start to apply for cover, is that if you do not fit into the type of risk that they are looking for, determined by the answers that you give when you fill out the application or proposal form, that you will have been wasting your time!
Many more customers that the mainstream car insurance comparison sites fail to satisfy, then take up first quote they are offered from another source, even if it is very expensive, because they fear they will not get cover elsewhere.
More importantly if you are the owner, if something happens and you need to make a claim on your policy, it is important that your car gets fixed by specialist professionals, using the correct parts.
All specialist car insurers and many insurance companies will offer a choice of repairer - many others will not as they have existing arrangements with so called approved repairers.
Disputes often arise when an insurance company insists on employing a particular firm to work on the vehicle against the owners wishes.
Specialist car insurance policies always offer unique claims repair services and if you own an unusual, expensive, classic car or performance motor, then it would be sensible to opt for a policy that includes these repair services to avoid the above situations.
The risk price you pay for your car at a comparison site, is largely determined by the risk group assigned to the particular make and model of the vehicle.
Additionally any changes or modifications to a standard car, will change its insurance group and may result in you not being able to obtain an online quote.
How old the car is whether it be a specialist classic car or a brand new never driver motor will seriously affect the risk price and may lead to exclusion from the quotation process.
The large proportion of people fit into the standard rating process, however, the majority of drivers are not!.
Variations in human characteristics account for the main reasons people often fail to get a quote.
Theft rates for the area you live in may also result in a decline to quote.
Many specialist car insurance brokers have individually designed specialist car insurance schemes to cater for all those nuances that the comparison sites decline to quotes for.
It is now possible to combine the benefits of comparing car insurance quotes and specialist car insurance. The internet has allowed the development of specialist motor insurance comparison sites where multiple schemes are compared for non standard risks.
Consequently as demand for expensive cars rises, the supply of car insurance responds, and there are now some excellent money saving opportunities on the market that were only available to a privileged few before the advent of online underwriting.
These bespoke policy types are known as classic car insurance schemes and are often initially drawn up by an underwriter, in request to a large pool of insurance presented by a classic car club or society. Each manufacturer will have multiple members clubs and there may be many schemes for a particular car model.
All specialist car insurance schemes also provide cover for high performance, prestige, classic or sports cars in particular, and you could certainly save money by taking out a policy from a scheme associated with your car, rather than standard motor insurance from a insurance comparison supermarket.
If your car is not a regular everyday standard road vehicle, but is special with accessories and modifications, or it is worth over £10000 you may find yourself subjected to higher premiums from the standard motor insurance providers.
The benefits of these schemes are that you buy a product that is totally suitable for your individual situation and designed around your exact personal requirements and your classic or performance car's particular insurance cover needs.
Many drivers continue to pay over the odds for their car insurance, knowing they are non-standard risks, grateful to have found somewhere that can cover their specialist needs.
Compare specialist car insurance quotes and cheap classic car insurance quotes online or call 0800 089 0182 for an instant car insurance quote from a specialist car insurance broker!
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