Getting your hands on cheap classic car insurance is getting easier by the day. The multitude of price comparison websites ensures that you find the best deal there is, and without having to leave the comfort of your home. You can see what’s available and choose the policy that suits you best. Everything is so transparent, impartial and competitively priced, so you stand to save enough, even if you don’t get the best deal for yourself.
However, the curious case of the classic car insurance deserves more forethought. Most vintage car owners have admitted that they’re usually lost in the conundrums of shopping around for cheap classic car insurance and consequently enlist the help of a specialist broker in their quest. Another trouble occurs when most of the popular insurance companies are not listed on the web, so owners remain suspicious of the insurance websites simply because they are not mainstream enough.
However, there are still a lot of plus factors about having your classic car insured. Aside from the recent Government debates on exempting classic cars from the standard MoT test, which would surely be reason enough for car owners to wipe some sweat off their brows. Another aspect is the reduced annual mileage, since a classic car is not likely to travel more than 500 miles on an annual average. This automatically drills down the premiums on classic car insurance.
Also, apart from finding the spares for repairs, the costs of purchasing a classic car are generally found to be less than, say, buying a BMW. The fact that classic cars are usually not the main form of transport also helps the insurance cover to be suitably appropriated.
However, like most other insurance applications, it always pays to shop around a bit before settling with a reasonable quote. Also, when it comes to classic car insurance, it’s best to stick with the specialists. Do not go for car insurance websites that have a separate section for classic cars. Find a website that deals exclusively in classic car insurance. This means that they have expertise in the field, are more likely to provide effective cover and charge reasonable premiums in return. Also, with specialist websites, owners do not have to end up paying commission fee to comparison websites for their insurance.
Maintaining a classic car properly is usually a foregone conclusion with owners, but this element just can’t be stressed enough. The better the car shines, the lesser it’s premium. Having clear records, complete information and updates on any change in situation also keeps the insurance policy from being invalidated.
Finally, it has been observed that a classic car with a distinguished history always enjoys better premiums. Racing lapels, war service or ownership by a famous personality are usually top draws for a classic car insurance company.
Having all these ends covered before touching base with your insurance provider could very well mean that you have a beauty of a classic car insurance cover in the bag before long.