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Specialist Car Insurance for classic cars

Do you own a non-standard car? Specialist Car Insurance may be Cheaper
Surprisingly a large number of vehicles fall into categories that the majority of mainstream car insurance companies do not want to cover!

Such examples that may struggle to obtain motor insurance at reasonable rates are owners of performance,prestige, expensive, luxury, foreign, sports, convertibles, modified, veteran, collectors and classic cars.

Car insurance companies employ people called actuaries who constantly check statistics and data to come up with rates for various risks.
The actuaries and the underwriters set the risk rates for certain groups of people or car combinations. Consequently many people who do not fit the standard that the actuaries and the underwriters want, find themselves either completely excluded from the quote process or given a quote offer that is so expensive, that the risk in question will not take out the cover, and does not enter and threaten the value of the existing risk pool.

Many people searching online for various motor insurance covers, come away disappointed at not being able to insure their car or vehicle, as quickly and as easily as was suggested on the television advert, because the comparison company failed to mention that if you cannot tick all the boxes on the form, you are a non standard risk.

Many more customers that the mainstream car insurance comparison sites fail to satisfy, then take up first quote they are offered from another source, even if it is very expensive, because they fear they will not get cover elsewhere.

Although price is most peoples consideration when purchasing car insurance, one of things you should not overlook is who is going to repair your car if it is damaged?

All specialist car insurers and many insurance companies will offer a choice of repairer - many others will not as they have existing arrangements with so called approved repairers.

Trouble arises when an insurance company employs its approved repairers to fix the car against the policyholder's wishes.
Clearly then it is very important to understand what you are buying with your policy when it comes to claims and repairs.

The risk price you pay for your car at a comparison site, is largely determined by the risk group assigned to the particular make and model of the vehicle.
if you have made any changes or modifications to a standard car, will change its insurance group and may result in a failure to quote online.

How old the car is whether it be a a specialist modified car car or a brand new off the forecourt car will seriously affect the rating price and you could be refused a quote.

Although the majority of cars are standard, drivers aren't!.
The reasons can be age and gender related, where you live and what you do for a living. Many occupations will exclude you from online quoting and certain providers offers specialist schemes aimed at differing age groups.
Theft rates for the area you live in may also result in a decline to quote.

Many specialist car insurance brokers have individually designed specialist car insurance schemes to cater for all those nuances that the comparison sites decline to quotes for.
It is now possible to combine the benefits of comparing car insurance quotes and specialist car insurance. The Internet has allowed the development of specialist motor insurance comparison sites where multiple schemes are compared for non standard risks.

For those of us who have eventually realised our dreams and secured that prized classic car or souped up modified sports car we always wanted, it is important to protect it with a comprehensive policy from an independent insurance specialist.

The policy wordings of classic motor and schemes often contain elements that are specific to a particular car make, type and model. These schemes often include additional benefits, such as helplines and approved specialist repairers who are on hand as part of the claims package.

All specialist car insurance schemes also provide cover for high performance, prestige, classic or sports cars in particular, and you could certainly save money by taking out a policy from a scheme associated with your car, rather than standard motor insurance from a insurance comparison supermarket.

Wholesale large insurance companies argue that handling claims and arranging specialist parts for replacement and repairs, tend to be much more difficult to arrange and expensive and the result is higher premiums. Many mainstream car comparison insurers do not want to cover you period, so they will try to exclude you and dissuade you by offering highly weighted premium quotes and expensive cover.

Additionally specialist car insurance schemes more frequently than not offer exclusive discounts not found at the car insurance online supermarkets.

Many drivers, mostly through inertia, laziness or a misguided loyalty bordering on Stockholm syndrome, continue to pay over the odds for specialist car insurance premiums, failing to realise that an hours work searching for alternative specialty cover online, could make them hundreds of pounds or dollars in premium savings.

Compare specialist car insurance quotes and modified car insurance quotes online or call 0800 089 0182 to discuss your insurance needs with a specialist car insurance broker!

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