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If you own or are thinking of buying a kit car, then there’s probably not much anyone can say to convince you that they’re great – you’ve already decided that! Yet kit car insurance can sometimes be a bit of an issue, so let’s run through the basics.

Kit cars – non standard

Some insurance companies may use and like descriptions and categories of cars such as ‘standard’ and ‘normal’. However usually your kit car will be anything but standard and owners often customise them which means they may be worth a great deal more than a typical car.

For that reason, some insurance companies may be able to offer rather more specialised insurance in the field than others. When looking for insurance for your car you may come across providers that do not even offer insurance for the kit car or they may not even have heard of kit cars.

Don’t give up though – you still may be able to take out insurance if you choose a specialist insurance company.

Kit cars – finding insurance

Due to this fact you might have to search for an insurance provider who is willing to offer insurance for your car. Online providers may be the most suitable option.

As you’d expect, their products and services vary tremendously but the good news is that you should be able to find suitable kit car cover for your car.

The terms and conditions

You may find that insurance for specialist kit vehicles differs from conventional motoring insurance in certain important respects. As a guide you may generally find that:

• insurance providers may not be able to assess the true value of your car, especially if you have customised it. Therefore you may wish to have you car valuated and have agreed values in the policy;
• while you’re building it, your vehicle may be in several places at once and some parts may even be ‘in transit’ – a policy may need to explicitly provide protection for this;
• consider if you intend to enter you vehicle into rallies or other events. If so make sure the provider includes protection for these events;
• some kit car policies will typically only provide insurance for your vehicle for a very limited number of miles each year and the higher your estimated mileage the higher the premium will be.

Looking further at the details on a specialist’s website should give you all the detail you need about kit car insurance.

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Choosing your kit car cover

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

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