Unlike standard car insurance, classic cars can require a bespoke insurance policy. When looking for a classic car insurance quote, there a few things to remember to help you get the best from your policy. Our good friends at Performance Direct Insurance have put together this useful Top Tips guide to insuring your Classic Cars.
Top Tip One – Specialist Insurer
Sourcing out a specialist classic car insurance broker will be the best option for you and your cherished classic. The knowledge of these experts will be vital in securing the best, most relevant, insurance scheme. For a trusted, specialist insurer visit Performance Direct at www.performancedirect.co.uk/classic-car-insurance
Top Tip Two – Car Clubs
Joining or being a member of a Classic Car Owners Club can help save you money, so be sure to inform your insurer when sourcing quotes.
Top Tip Three – Mileage
When requesting insurance quotes for your classic car, be realistic with the mileage. If you are only driving two thousand miles a year but your insurance is down for six, then reconsider your mileage limit. This may help with bringing down the cost of your overall policy.
Top Tip Four – Laid Up Insurance
Sometimes it is necessary to take a car off the road for a period of time and, as Performance Direct states, this is particularly true of classic cars, where major restoration work may be needed. At this time, there would be little point in arranging a full car insurance policy, but some risks still remain. The car could still be stolen or damaged by theft or attempted theft, and it could still suffer from fire damage. Laid up insurance is a scheme where you can still insure your classic car in the months that it isn’t used and in storage for various reasons. In short terms you basically pay a lower premium for the months that it isn’t on the road, saving you money in the long run and at the same time adhering to legal requirements.
Top Tip Five – Multi-Vehicle Policies
It is not surprising that as a classic car owner you may possess more than one classic vehicle. In this instance it might be of worth to ask your insurer if they offer a multi-vehicle policy. This may lead to long-term savings and the advantage of a one-date annual renewal.
For any further information on how to protect your classic car, visit Performance Direct at www.performancedirect.co.uk/classic-car-insurance/ or talk to a classic car insurance expert on 0844 573 3567.
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