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  • Insuring Your Classic British Car

    Owning a vintage car is a dream that a lot of people have, whether it be for recreation, hobby or just to have one. Along with this dream comes a lot of work and responsibility, including finding the proper insurance for your classic car. Luckily, there are specialty plans that are specific to the needs of a classic car owner.

    Collector's insurance is a special policy that is often times better and less expensive than a regular car insurance policy. The coverage is based on an "agreed value", meaning that you and your insurance provider establish an amount for the replacement cost of your car. This is often times cheaper than the "actual cash value" used on regular policies. Also, the deductibles for specialty policies is usually lower and in some cases, there is not a deductible at all.

    Before selecting the type of policy you want for your British car, make sure to shop around for the best prices and coverage. In addition, you should remember that in order to get all of the benefits of collector car insurance, there are a few restrictions. These restrictions are as follows:

    1) Age restrictions- most specialty auto insurers require policy holders to be 25
    2) Driving record- in most cases, you must have no moving violations or car accidents for three years prior to applying for a policy
    3) Current insurance- because vintage cars aren't supposed to be used every day, almost every collector car insurer requires proof of a registered, insured car for every day use
    4) Storage- when not in use, your car must be stored in a locked garage or other secure facility
    5) Mileage restrictions- most specialty auto insurers restrict the amount of mileage (usually to 1,000-5,000 miles annually)

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