Choosing your kit car cover
Post date: March 2nd, 2010 |
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You’re probably justifiably proud of your precious and painstakingly built kit car. It generally represents a vast investment of your time, effort and money. While owners typically do not like to think of anything happening to their car, the worst may occur and without kit car cover you might be faced with a great deal of expense. Looking for it should be easy – shouldn’t it?
Kit car insurance – a specialist environment
Sadly, it may not be quite so easy. Kit cars are, by definition, specialist vehicles and may not necessarily be included by all insurance providers simply because they are seen as being ‘non-standard’. Standard insurance providers on the high street may not offer insurance for cars that are considered to be non-standard, such as your kit car.
Specialist cars – specialist requirements
Your car is different to the average family saloon. You may be taking it to shows, demonstrations, conventions and specialist rallies – none of which may be considered by the provider as ‘normal use’.
Typically it may frequently have parts in transit or spend time disassembled in various locations for maintenance and repair – those parts may need to be covered by insurance. It may also not be too easy to set a ‘market value’ for the vehicle in insurance terms.
Finding specialist insurance providers
As you need specialist insurance to ensure that you have the most suitable protection for your car you may wish to check out specialist insurance providers. Providers such as these typically understand your needs as a kit car owner.
Your insurance policy may need to be customised to your specific vehicle and its needs. When considering a policy check with the provider to find out if limited mileage may be taken. This may help you to make savings on insurance if you do not use your vehicle a great deal and cover many miles. As such the lower you plan your mileage then the lower your annual premiums typically are.
The specialist providers may be more able to assess the accurate value of your vehicle rather than attempting to apply an inappropriately low ‘market value’ and they may also be able to ‘speak your language’ rather more than the generalists.
In common with more general forms of more general motoring insurance, the price of kit car cover may also be more economical if you restrict the number of drivers and avoid younger drivers etc
- Tags: Kit car cover, Kit car insurance, kit cars