Category: car insurance

There are several important issues that need to be addressed whenever you go looking for classic custom car insurance. For one, you need to be sure of dealing with an insurance provider that truly understands classic custom cars because these vehicles are very specialized and so have their own special needs that not every insurance company will be aware about.

Typical car insurance providers might not have a clue as to how to properly provide classic custom car insurance for such kinds of cars; their expertise is generally limited to dealing with ordinary cars and so they are not the right people to deal with.

Don’t Club Your Classic Car Insurance With That Of Your Family Car Insurance

Secondly, you should avoid making the cardinal error of clubbing your classic custom car insurance policy with that of your family car insurance policy. This can prove to be a very costly error, especially as most car insurance companies do not have the required expertise or knowledge required to insure a classic custom car. This means that should you make a claim for your classic custom car, the insurance provider will treat your claim just like that of an ordinary vehicle thereby rendering your classic custom car insurance policy totally ineffective.

However, perhaps the most important aspect to choosing the right classic custom car insurance policy is knows what the rules state and to understand the terms and conditions of your classic custom car insurance policy thoroughly. You need to be aware of any restrictions in force, and though you can save on premium by allowing for more restrictions, in the end it could render your classic custom car insurance policy quite ineffective.

It is therefore necessary that you read your classic custom car insurance policy very carefully and in addition you should get your insurance agent to answer all your questions so that you are clear about what the classic custom car insurance policy provides and what it does not provide for. Lastly, you should only deal with an insurance provider that is willing to insure a classic custom car.

It is equally important that you select your car insurance company with greatest care as it is in getting the best deal for your car insurance policy. Needless to say, you should only entrust your car insurance to a company that is reliable, reputable and which handles cases in an efficient and timely as well as honest manner.

In case you own a normal classic car then it will be a lot cheaper as well as also a lot better if you look for suitable budget classic car insurance. Of course, there is quite a fine line dividing a beat up old car and a true classic car and in fact what one person considers as being a classic another person may only look at it as an old banger.

Simple Guidelines

To help ensure that not only do you find the right budget classic car insurance for your classic but to also know how to identify a classic when you see or own one, there are a few simple guidelines that you can follow. A classic car can be categorized separately with a veteran being any car that was manufactured prior to the year 1903; a vintage car would be one that was manufactured between 1903 and the year 1933; finally, the classic is any car that is only a minimum of fifteen years old.

An insurance provider will help you know which category of car your vehicle falls into since a company that provides budget classic car insurance will surely also have a special department that deals with just such issues. However, when selecting a budget classic car insurance company you should first of all check specialist cover from specialist providers because this type of budget classic car insurance is more affordable and it is also tied to low annual mileage which would be in the region of approximately three thousand miles. However, if you exceed this mileage then your budget classic car insurance will expire; so be careful about how far you drive your classic car.

If your classic car is a scarce model then it is harder to find budget classic car insurance companies, though to help you achieve your goals you should look for a feature known as Guaranteed Agreed Valuation which is the amount of cash that the insurance provider will give you should something unforeseen and drastic happen to your precious classic car. However, arriving at the cored Guaranteed Agreed Value is quite difficult because the value of classic cars fluctuates quite a bit, and so the insurance company may even add a charge for offering this feature.

One major and overriding concern for all owners of a classic custom car is what would happen should their car be totaled. To ensure that your classic custom car insurance policy covers you for every eventuality including the worst case scenario of a totally wrecked car you need to at least deal with a company that understands classic cars as well as classic custom cars. In addition, there is also no sense in adding your classic custom car s policy to your family car insurance policy.