Do Not Pay Extra for Classic Car Insurance!

If you own a classic car, chances are it is among one of your most prized possessions.
Maintaining and protecting your classic car is vitally important, and making sure you have the right classic car insurance for your classic beauty is important to any classic car enthusiast.
There are many companies out there today who offer special car insurance programs to people who wish to insure their classic car.
Finding the right classic car insurance policy for your classic car needs could mean the difference between paying too much in car insurance premiums, and saving loads of money each year through a specially designed policy meant just for classic cars.

Insurance companies understand that classic cars are usually not driven as much as a common family vehicle, and therefore they may offer a greater discount for classic autos.
Other discounts may also apply, given the fact that most people who own classic cars are very careful to protect their classics, and often keep them in secure locations to prevent theft or damage.
There may be some requirements that must be met in order to qualify for a special classic car insurance policy. For instance, certain policies may require that your classic be at least 20 years old to qualify for a discounted policy. Other prerequisites may entail that the vehicle be used primarily for car shows and other classic car events.
Most companies will also require an appraisal to be submitted when insuring with a classic car insurance policy.

If you own a classic car, keep in mind that there are special classic car insurance policies that are specifically designed to fit your particular needs.
Why pay outrageous premiums for your classic car insurance policy when there are discounted rates available for classic car owners?

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How To Buy Cheaper Classic Car Insurance Cover

Do you own a car over fifteen years old? If you do you may well be entitled to cover it under what is known in the industry as a classic car insurance policy. In the past there were many more restrictions on cover under this type of policy and specialist motor insurance brokers and insurance companies were very particular about the type, age make and models of the cars they wished to cover on their books.

Times have changed and technology has led to many more cars now fitting into a bracket that was once reserved for the glamourous, collector and vintage car owners. It is now possible to obtain both cheap quotes and classic car covers online from many providers including the majority of those famous high street brands, who have realised that nearly fifty percent of the cars on the road now fall within the strict underwriting parameters for classic car policies. Consequently premiums in this market, which were always cheaper than standard cover, have become much more competitive in recent years, with the entry into the market of many of the larger insurance companies.

When searching for the right covers it is wise to get a range of classic car insurance online quotes from various different sources. Not all motor companies are the same, and neither are all classic policy conditions.

When applying for a classic quote you should be aware of the varying limits of cover and restrictions that may be put on driving the vehicle. For example many of these policies will only allow you very limited road mileage each year, sometimes as little as 3000 miles per annum. This is fine if you have an expensive collectors car that is garaged throughout the year and only taken out for the odd cruise or rally. The problems occur much more frequently when non valuable classic cars are insured under this type of policy when they should really be covered under a more embracing standard motor insurance. Unfortunately, restrictive policy conditions often only come to light after an accident and a claim is made, rejected by the insurer and leaves the policyholder feeling missold and abandoned.

If you have decided that a classic car policy is right for your car, then when applying for quotes online always check that the policy is right for you, the owner as well. Many policies are designed to charge by the lifestyle of the insured and as with all car insurance there is a tendency for cover to be cheaper for older persons and women drivers. Many companies will not issue classic motor insurance to persons under the age of twenty five, although this is changing as well, and there are some very good providers out there who will cover drivers as young as twenty one.

If the value of the car is not particularly high and the replacement costs of parts and repairs does not warrant a specialist policy, you may well be better advised to seek out quotes from a mainstream insurance company. They often have additional online discounts and offers which the classic policy providers are not in a position to offer.

As with all car insurance, what may initially appear cheap at policy inception could cause some unpleasant surprises when it comes to making a claim.

Shop around for specialist car insurance and Classic Car Insurance.

Compare policy prices and insurance covers from both major high street brands and the smaller insurance specialists to ensure you not only get a good deal, but get the adequate levels of cover you require for your classic car, as well.

Originally published by our in house resident classic car expert Dave Healey
Cheaper classic car insurance article source

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The UK's largest Specialist Car Insurance supplier offers new products

Online specialist car insurance comparison site Car-Insurance.tv has launched a new range of specialist insurance products specifically aimed at young drivers, lady drivers and the more senior amongst us.

London, UK (PRWEB) August 3, 2009 -- Online UK specialist car insurance comparison website Car-Insurance.tv has announced the addition of fifteen new products and schemes to its specialist car insurance comparison panel, to cater specifically for various driver types. These include specialist policies specifically designed for young drivers, lady drivers and senior drivers.

Car-Insurance.tv Marketing Director Dave Healey said, "Our specialist car insurance comparison system, is the largest in the UK and is particularly focused on making large premium savings for owners of specialist cars such as sports cars, performance cars and classic cars. We are particularly good at finding you the cheapest cover by your car type with our car insurance schemes."

Our specialist insurance comparison system, is the largest in the UK and is particularly focused on making large premium savings for owners of specialist cars such as sports cars, performance cars and classic cars. We are particularly good at finding you the cheapest cover by your car type with our car insurance schemes.
However analysis of the website usage statistics has revealed to us that we were missing out on a large part of the market. The addition of the new products means more importantly, that we can now satisfy the buying intentions of more of our customers, which include some large niche segments of the UK car insurance buying population.
Take for example our classic car insurance schemes. We already offered comprehensive, whole of the market policies to young drivers over the age of twenty three. The new products allow us to offer classic car insurance to drivers as young as twenty one which is important as many cheaper cars favoured by this age group, are now eligible for classic cover.
Lady and Women drivers are also set to benefit from the introduction of the new schemes.
The company has helped support many community based projects this year, and hopes that this will continue despite the downturn in business.
"However analysis of the website usage statistics has revealed to us that we were missing out on a large part of the market. The addition of the new products means more importantly, that we can now satisfy the buying intentions of more of our customers, which include some large niche segments of the UK car insurance buying population."

He added "Take for example our classic car insurance schemes. We already offered comprehensive, whole of the market policies to young drivers over the age of twenty three. The new products allow us to offer classic car insurance to drivers as young as twenty one which is important as many cheaper cars favoured by this age group, are now eligible for classic cover."

"Lady and Women drivers are also set to benefit from the introduction of the new schemes."

Mr Healey stated. "It has long been known within the insurance industry that women drivers present a better risk than their male counterparts. We identified that many of our more expensive performance car and sports car insurance policyholders were women. In order to offer these female customers the range of benefits that are available across the market we have incorporated many specialist car insurance schemes that are designed exclusively for women drivers."

More information is available at lady driver car insurance

Car-Insurance.tv hope that the wider range of products available will help them continue to sponsor local community events up and down the country.

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