Classic Car Insurance Tips For Finding Insurance For Your Classic Car

No matter what kind of car you own, having a car insurance policy for it is absolutely necessary if you are to protect yourself from any unexpected expenses that might come with accidents caused by or caused on your vehicle. It even becomes more important to have a special kind of protection when you own a classic car since the repairs that you might have to deal with when your car figures in an accident would most likely be expensive. You have to make sure that your protection adequately covers your vehicle. There is nothing that you would regret more than having to shell out all that money for repairs just because you neglected cover your car with a classic car insurance policy.

There are varying definitions of what constitute a classic car. Different insurance companies would have their own guidelines and categories for these cars. The age and the number of cars of the same kind ever manufactured and still on the road are often the considerations in classifying cars as classic or vintage. Not a whole lot of insurance companies offer classic car insurance. If you are to get one for you classic car, you have to search for these insurance companies and do your research as to the differences between a classic car insurance and your regular car insurance policy. Ask around to see which insurance companies give the best coverage at the most affordable costs.

Here are some tips that could help you in your search for a good insurance coverage for your classic car:

1. Find out which category your classic falls under. Classic and vintage cars made no later than the early seventies going back to the period right about the end of World War II fall under anyone of the four categories in as far as car insurance is concerned. Your classic car could be Veteran, Edwardian, Vintage, or Classic in classification. A fifth category is added for collectible rare cars that are about five to ten years old. These are classified as Cherished cars. Car insurance companies offering insurance coverages for classic cars could cover any one or several of these types of cars.

2. Determine what value to put in your car insurance coverage. Unlike ordinary car insurance, you can actually name the value of your car to put down as your insurance coverage. The Agreed Value for which the classic car is insured will be the maximum amount that the insurance company will give you in case of a claim. It is important to have your classic car’s appraisal up-to-date so you know how much it is worth at market value. The Agreed Value may be changed depending on the car’s condition upon renewal of your car insurance policy.

3. Know if there are limitations as to your classic usage and storage under your insurance policy. Insurance policies for classic cars often have restrictions on them. These limitations could consist of mileage restrictions and a garage lock-up. Limiting your mileage could work to your favor too. If you initiate an agreement to drive to a lower mileage limit, you could cut your premiums back by about 5%. If you plan to participate in car shows and other car events, you have to make sure that your insurer knows about this as this could affect your coverage. Make sure also that both you and your insurer agree as to the storage conditions of your classic car.

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Avoiding The Potholes Of Car Insurance

Car Insurance is an issue that we all of face in our lives. Do we insure our car or not?

For example, what type of policy should you get? What should you look out for when signing on the dotted line? Car insurance can be a minefield if you do not investigate and take time out to research and evaluate the many types of insurance on offer in today’s market.

Some of the main questions you need to ask yourself include do you want car insurance in the first place or are you willing to let luck prevail? Do you want comprehensive cover? Do you want to be covered just for fire and theft or do you want third party property damage insurance?

There is a significant difference in each of these policies and they vary from company to company. Basically comprehensive cover is full cover of your car and the other person’s car (or the traffic light you demolished).

Third Party Fire and theft insurance is the next step down and then you have third party cover. Third party protects you for damage to some else’s car but not yours.

After working out what type of insurance you want, ask yourself do you want to insure the car at an agreed value or current market value of the car? This is very important to consider. If your car is a special model with lots of modifications, you might consider the agreed value option because it allows you to include added extras.

The majority of people go for the market value option but it is important to read the fine print. This option has a catch. The insurance company pays out the amount the car is worth at the time of the accident. Hence the amount could be different to the market value originally spelled out in the policy when you signed up because of depreciation.

Once you have worked out what type of cover you want you start getting down to the smaller, more tedious options.

Some of the main ones you need to consider include:

(i) How much is the excess?

(ii) Do you want to choose the repairer?

(iii) Do you want loan vehicles if your car is stolen?

(iv) Do you want the policy to cover the car for business use?

(v) What drivers are covered?

(vi) Is it repaired using only genuine spare parts?

(vii) Is there a limit on towing fees?

(viii) Does it cover damaged property and personal belongings inside the car?

(ix) Does it Cover taxi fares?

RAC’s Assistant General Manager for Insurance Services, Sam Mola believes it is very important for people to research and investigate all options before taking out car insurance.

“People need to watch out and make sure they are signing up for cover that suits their needs. You need to review the benefits provided and then make an informed decision,” he said.

“People need to make sure they are familiar with the cover provided by the policy and not just compare policies on price. They need to make sure the company can provide the appropriate claims service when a claim is made. For example the company should provide a high quality of repairs for a minimum amount of fuss. People need to consider the reputation of the organization. Cheaper does not always mean better.”

The Australian Insurance Council’s Group General Manager for Western Australia and the Northern Territory Daryl Cameron said in 85 per cent of cases policies are bought on price alone, which can be dangerous for people who do not read their policies extremely carefully. He also said if you are not honest with your potential insurer they may refuse to pay out if the time comes.

“It is vital that all known information regarding the vehicle or any intended driver is fully disclosed to the insurer when taking out a policy or when one is up for renewal. If anything changes that may effect your policy you must tell the insurer; It is extremely important, remember you have a duty of disclosure,” Mr Cameron said.

“If you smash into the back of a Mercedes, and you forgot to tell your insurance company about your dangerous driving conviction, they may refuse to pay out despite the fact you are covered by them. So be careful otherwise you may have to foot the bill yourself,” he warned.

So be careful, take your time and watch out for the traps that catch many unsuspecting motorists. It is important that you understand what you are getting into and ask as many questions as you can. Remember there is no harm in asking and it could save you a lot of money in the long run.

Here are 10 points to remember when considering car insurance

  1. Research, investigate and take your time when looking for car insurance.
  2. Get something that suits your needs not the insurance companies.
  3. Answer the question, market value or agreed value cover?
  4. Make sure you understand and know exactly what you are covered for.
  5. What is excluded from the policy?
  6. What is the excess when making a claim?
  7. Remember cheapest it not always the best.
  8. Tell your insurer about anything that happens to you that may affect your policy, for example driving convictions. Don’t take short cuts.
  9. Work out a payment method that suits you.
  10. For an ‘At Fault’ claim can you protect your no claim bonus?

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Cheap Car Insurance Is Easy To Get Online

Car allowance is an added bulk over and aloft the ample bulk of owning and advancement a car, decidedly if you accede all the added types of allowance that are all-important in today’s world, so it is alone accustomed to wish to get bargain car allowance after compromising on coverage. Luckily, bargain car allowance is able-bodied aural your reach, provided you apperceive how to get it.

The Internet is the best abode to alpha if arcade for bargain car insurance. Allowance companies are now geared to accommodate you with a adduce online but you will still charge to boutique about and analyze quotes, and keying in your data alone for anniversary allowance aggregation you wish a adduce from can be a hassle. The acknowledgment is to use an allowance aggregation that allows you to get assorted quotes online. You access your data online, and the allowance aggregation will draw up alone quotes for a bulk of allowance providers (sometimes as abounding as eight) and forward them to you all in one go. How air-conditioned is that? You will even save on your buzz bill because you will not charge to use the buzz to get your quotes.

There are a bulk of added things you can do to abate your car allowance besides accepting bargain car allowance quotes online. You can access your balance which will abatement your premiums on a account base but essentially access the bulk you will accept to pay out of your abridged if you claim. Accidents appear if you atomic apprehend them so you charge to be abiding you can allow to pay such a top balance if you go this route. All new cars now accept to be insured afore they leave the exhibit attic these canicule but you can absolute the bulk of allowance you will accept to pay by purchasing a bargain or moderately priced car. To allowance companies, cheaper cars beggarly cheaper aliment which agency they will accept to angle out less. The aftereffect is a lower exceptional for the customer who buys a cheaper car.

Ensure that your car is anchored in a anchored breadth like a barn or lockable car anchorage at night, and accede applicable added aegis measures such as a gear-lock, as this can advice you get a cheaper package. Speaking of packages, it is generally cheaper to accept a accumulated advantage package, breadth you assure your car, home and backing with one allowance aggregation than several abstracted premiums with altered companies. Avoid active a high-risk car or big-ticket car if you can. High-risk cars are the makes and models of cars that allowance companies accede to be accessible to annexation and hi-jacking, and your exceptional will be aloft accordingly. Also, big-ticket cars tend to be big-ticket to repair, so you can apprehend your allowance exceptional to be college than if you had a cheaper car.

As you can see, there are a bulk of agency to get cheaper car insurance, but cheaper is not consistently bigger because it can beggarly you aren’t abundantly covered. You charge to be bright on what your allowance cachet is and what able advantage costs, and again adjudge how far over and aloft a reasonable allowance exceptional you wish to go with extras.Car allowance is an added bulk over and aloft the ample bulk of owning and advancement a car, decidedly if you accede all the added types of allowance that are all-important in today’s world, so it is alone accustomed to wish to get bargain car allowance after compromising on coverage. Luckily, bargain car allowance is able-bodied aural your reach, provided you apperceive how to get it.

The Internet is the best abode to alpha if arcade for bargain car insurance. Allowance companies are now geared to accommodate you with a adduce online but you will still charge to boutique about and analyze quotes, and keying in your data alone for anniversary allowance aggregation you wish a adduce from can be a hassle. The acknowledgment is to use an allowance aggregation that allows you to get assorted quotes online. You access your data online, and the allowance aggregation will draw up alone quotes for a bulk of allowance providers (sometimes as abounding as 8) and forward them to you all in one go. How air-conditioned is that? You will even save on your buzz bill because you will not charge to use the buzz to get your quotes.

There are a bulk of added things you can do to abate your car allowance besides accepting bargain car allowance quotes online. You can access your balance which will abatement your premiums on a account base but essentially access the bulk you will accept to pay out of your abridged if you claim. Accidents appear if you atomic apprehend them so you charge to be abiding you can allow to pay such a top balance if you go this route. All new cars now accept to be insured afore they leave the exhibit attic these canicule but you can absolute the bulk of allowance you will accept to pay by purchasing a bargain or moderately priced car. To allowance companies, cheaper cars beggarly cheaper aliment which agency they will accept to angle out less. The aftereffect is a lower exceptional for the customer who buys a cheaper car.

Ensure that your car is anchored in a anchored breadth like a barn or lockable car anchorage at night, and accede applicable added aegis measures such as a gear-lock, as this can advice you get a cheaper package. Speaking of packages, it is generally cheaper to accept a accumulated advantage package, breadth you assure your car, home and backing with one allowance aggregation than several abstracted premiums with altered companies. Avoid active a high-risk car or big-ticket car if you can. High-risk cars are the makes and models of cars that allowance companies accede to be accessible to annexation and hi-jacking, and your exceptional will be aloft accordingly. Also, big-ticket cars tend to be big-ticket to repair, so you can apprehend your allowance exceptional to be college than if you had a cheaper car.

As you can see, there are a bulk of agency to get cheaper car insurance, but cheaper is not consistently bigger because it can beggarly you aren’t abundantly covered. You charge to be bright on what your allowance cachet is and what able advantage costs, and again adjudge how far over and aloft a reasonable allowance exceptional you wish to go with extras.

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