Having proudly acquired my first classic car I was faced with the problem of finding suitable insurance, as the needs in respect of a classic car are specific and different from mainstream vehicles.
I need not have worried, the internet came to my rescue in the form of classic car insurance comparison sites. It is less than 13 years since it was difficult to access a large number of insurance companies in a short period of time. Often, people did not go beyond searching their yellow pages directory, and the local newspaper adverts.
With the development of personal computers and access to the internet for people of all income brackets, shopping for classic car insurance has completely changed.
Advantages
Comparison sites offer a fabulous way to find suitable and reasonably priced insurance for your classic car. The main benefit is that you can compare quotes from a variety of car insurance companies simultaneously, from the comfort of your own home.
There are an overwhelming number of choices and it is helpful to narrow these down by focussing initially on websites that specialise in this type of insurance. The search can be widened to companies providing insurance for a range of vehicles, which include classic cars, if this becomes necessary.
Pointers to Finding Savings
Specialist cover is needed for classic cars and this includes elements of cover not available on a standard policy. Make sure you look for:
- Discounts for senior citizens if you are in that age group.
- Limited mileage discounts if you do not anticipate driving a high number of miles.
- Discounts for membership of a classic car owners club.
- Agreed value cover so you know the amount that will be paid in the event of a claim for total loss.
- Discounts for classic cars kept in a garage.
There are many benefits to using car insurance comparison sites, but you should be aware that not all insurance companies advertise on them, and consequently, carrying out a search of individual companies should not be ignored.
It is also important to compare like for like products, for example, one policy may appear cheaper than another, but on closer examination it may have a number of exclusions/restrictions, and a higher excess figure for the customer to pay than other policies.
Comparison sites are a useful tool for securing significant savings!
This guide was written by the editorial team at Classic Car Insurance. For more information – please visit our website at http://www.classic-car-insurance.co.uk
