Classic Car Insurance Is Different From Standard Car Insurance

The interest of the classic car collectors should not be limited to owning the most selective collection. The classic car owner should maintain and protect the vehicle with suitable classic car insurance policy.

The industry experts always suggest the classic car owners not to choose standard insurance for the classic cars. Classic vehicles require a specific type of insurance plans, as the use of these cars is different from standard cars.

The dedicated insurance is designed to cover older vehicles, thus categorised under the category of special car insurance. Many car insurance companies term it as collector car insurance owing to the fact that these cars have had been part of vintage auto collection.

The classic car insurance differs from the standard insurance plans and tends to be more expensive than an average car. The coverage of classic car repairs is a costly affair, which may not be covered by the standard insurance policy in terms of both labour and auto parts.

Choosing the specialised insurance policy for classic cars over the standard coverage plan adds the benefit of limited mileage to your car policy. This proves advantageous as classic cars are less driven.

Many are of the opinion that less usage of the car does not make you liable to cheaper car insurance. On the contrary, many classic car insurance companies prefer the customers making less use of their car and provide them with discounted premium plans.

Taking the insurance coverage is not a liability, it is necessary that the policy should protect you at the time of emergency. Many classic owners choose the standard policy, which proves to a financial burden in future. Restoration and maintenance of classic car required support of customised insurance plans, which may not be covered by standard policy. This will not only make you bear all the expenses but wastage of money spent on existing cum standard insurance plans.

Choosing classic car insurance makes you accountable to get full value for the loss either in form accident or car theft.

About Anne Jacobs

I am a full time insurance underwriter with a love for writing. I work in the UK at a classic car insurance company. My other hobbies are going to the gym and aerobics (when I am not looking after my 3 year old daughter Jessie.
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