June 24, 2017

Classic Car Insurance Comparison


Own a classic car? It’s that dreaded time for insurance once again and we all shop around for the best deal don’t we? At least we do with younger vehicles. We don’t get any discounts for loyalty these days, in fact the reverse is true and we motorists seem to get penalised for sticking with our insurance company when renewal time comes around.

However, when we are dealing with a classic car or cars, these vehicles are more than the sum of their parts, they are our passion, our pride and joy and we want to protect our investment. Looking for the best deal for classic car insurance is somewhat more involved with a whole set of different parameters to consider compared to insuring a non-classic.

For one thing your classic could be a rare model that has an agreed valuation, verified by a concourse club or organisation or your car gets used rarely, spending most of its life in a controlled environment, coming out for occasional club runs, shows or rallies.

There are many considerations. Of course we still want the best deal, but it is important to consider what your policy will actually cover. What might seem like a cheaper deal with one insurer may not actually be a better deal in the event of a claim.

There are classic car insurance comparison websites and this is a good place to start your search before considering independent sites not found on these (comparison) sites. Having done your research you may want to phone around next as speaking to an adviser may save you money substantially, remember they want your custom and agents get bonuses for sales. Take control of the call, you are the customer and you can choose to go elsewhere – but do remember to be friendly and courteous, they are doing a job and are also consumers just like you. It could pay off in your favour.

Lastly, if you are not already a member of a club dedicated to your marque, I would urge you to consider joining one. Membership subscriptions are never expensive and exclusive. As well as the obvious benefits of social networking with other enthusiasts for your marque, most clubs have discount schemes with participating insurance companies giving you not only substantial savings but also peace of mind, safe in the knowledge that your insurance company understands your motoring passion.

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