Go for Kit car insurance quotes from a specialist!
If you are looking for Kit car insurance then you need to get your Kit car insurance quotes from a specialist. Someone who specialises in offering insurance to those who build up their cars from scratch will recognise the needs of the car owner and the type of cover that is needed.
Your Kit car insurance quotes will differ from provider to provider so getting a few and comparing them is essential just as taking out any type of vehicle insurance is. You not only have to compare the costs of the quotes that are given, but also what the quote entails. This means looking into the key facts of the insurance policy to ensure that you would have adequate cover for your Kit car.
Your quotes will also reflect the level of insurance taken. You can choose from third party only, third party fire and theft or fully comprehensive insurance. Fully comprehensive would of course be the most cover you are able to take out for your Kit car. Again what is included in the premium for fully comprehensive will differ and the policy should be tailored for your exact needs and the cost of building your car.
When looking into insurance for your Kit car go for cover that takes into account the fact that every Kit car is different. Some add very expensive additions to their Kit car and this will boost up the value of the car. Therefore look for agreed value cover. Agreed value cover means that you state how much the true value of the car is worth, and this is the payout you would receive. Usually you are only offered the market value of the car if it is a write-off which is no good if you have spent several thousands of pounds building up your car.
You also need to check to see if the policy comes with the inclusion of build up cover while you are in the process of building the car on your premises. You cannot build a Kit car overnight and the parts need to be covered during the process. You should also look out for transit cover; this would cover damage or loss of parts while they were being transported to you. Again this of course would not be included in a standard car insurance policy, which is why you need to take out insurance specifically tailored to Kit cars.
Many specialist Kit car insurance providers will also offer discounts on the premiums you are asked to pay if you belong to a member of a car club. Many of them have listings and if you are a registered member with one of these then you can shave off the amount you pay each month in premiums.
If you are only taking out your Kit car at certain times then you might only be doing so many miles. If this is so then you should look for discounts offered for low mileage. You can greatly cut down Kit car insurance quotes if you insure your car for under so many miles.