Check classic car insurance carefully

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When looking for classic car insurance for your pride and joy then you have to realise you will need specialist cover. You should not just take out a normal car insurance policy as this would probably not provide you with everything you need for your car. You also need to decide what cover you need, if you are just using your classic car to show then you could make savings on your insurance by not having it on the road much.

As your classic car will be more valuable the older it gets, then taking out a normal car insurance policy is not a good idea. A normal car insurance policy pays out if the car should be beyond repair but it does take depreciation into account. However with a classic car this is the other way around and you need a policy that would payout an agreed value for the car if it was totally destroyed or stolen.

You should also look for a policy that offers a free valuation of the car. If the worst should happen you would then get back exactly what the car was worth and not a sum of money which leaves you short. While it will not replace the car it will go a long way towards making the loss a lot easier to deal with.

Also look for classic car insurance that would include windscreen and window damage. You do however have to be aware that all insurance providers would ask for an excess when it comes to them paying out for windscreen damage and repairs. This can vary depending on the provider so always check to make sure of how much you would have to payout. The excess is the amount that you have to pay towards any claim that you put in.

You are able to make savings on car insurance for your classic car if you take out a low mileage policy. For example if you do not drive the car around but only take it on the roads when you are taking it to a show or event then you should look into taking out low mileage. However it is essential that you do not exceed this limit or your claim would be denied.

When looking to keep down the cost of your insurance then give some thought to paying for the insurance in one lump sum. While you are usually able to spread out the cost of the insurance over monthly instalments by direct debt, usually this will end up costing you more.

When taking out classic car insurance you would also have to check to see if the policy would cover you for driving the car outside of the UK. Insurance differs in other countries so just because you have a fully comprehensive policy when driving in the UK it does not mean that you will be covered the same when outside of the UK.

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