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Top Tips and Hints

The Insurance Boffin’s Top Tips for Classic Car Insurance

 

Classic car insurance, performance vehicle insurance and any other non-standard vehicle insurance is not just about getting the cheapest premium. There are different considerations over a normal, every day car policy. So before purchasing insurance, consider the following:

 

· Can you get an instant quote and take cover out over the phone, or do you have to fill in long and complex proposal forms?

· If you require an agreed value policy, will you have to pay an additional fee, pay for an independent engineers report or is it free and confirmed by submitting photographs of your vehicle?

· Does your insurer have the experience, knowledge and relationships with the relevant enthusiast clubs and insurers to easily confirm the agreed valuation?

· Will you need to confirm your vehicles valuation each year? If so, will there be any cost or time incurred to you via an independent engineers report or administration fee?

· If you have a limited mileage policy, can you easily increase your mileage limit part way through the year?

· If you have paid for a higher mileage limit e.g. 7500 miles but only drove 5000 miles, can you ‘carry forward’ these miles on to next year’s policy?

· Are you getting all the discounts you are entitled to? E.g. if you’re a club member, on a limited mileage policy and have additional security fitted to your vehicle.

· Does your policy automatically provide cover for club organised track days or historic rallies? Can your insurer provide cover for these at what cost?

· Have you had all the features of the policy explained to you, including the excess, your cancellation rights, what is and as importantly, what is not covered?

· Have you been informed of the costs involved in your premium, including IPT and any add-on products, such as breakdown and legal cover?

 

It may also be useful to look at the Insurance Boffin’s top tips to buying general car insurance.

The Insurance Boffin  E-mail: info@insuranceboffin.com

Disclaimer: Any information, advert or link contained on this site does not amount  to advice, suggestion or a recommendation in any manner or form.

The Insurance Boffin

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