Do you require Specialist Car Insurance?
In the UK a large number of cars fall into categories that the majority of mainstream car insurance companies do not want to cover!
Specialist Car insurance is necessary for:
Young Drivers
Lady Drivers
Drivers with 2 or more previous accidents or claims
Drivers with 2 or more driving convictions
Any driver with a Criminal conviction
Any driver with disability or medical condition
Any person who has had insurance refused / cancelled
All Drivers over 75 years old
Drivers residing in high rated risk areas
Drivers residing in the Channel Islands & Isle of Man
Drivers with non-standard jobs or occupations such as publicans, entertainers, celebrities, footballers, actors etc.
and anyone who drives the following vehicles:
Insurance Group 15 cars or above
Kit Cars
Classic Cars
Imported cars, Japan, Australia etc.
Left Hand Drive Cars
American Cars
Custom Cars
Hot Hatch Cars / High Performance
Military Vehicles
Camper vans
Vans used for pleasure and touring
Motorhomes
Exotics cars such as a Bugatti, Ferrari etc
Cars over 20 years old
Mini’s & VW Beetles
Wedding Cars
Limousines
Driving Tuition & Driving Instructors
Van Insurance and Commercial Vehicle
Modified Cars
American imports
Double Cabs and Pick Ups
Grey Imports
Most Car Insurance companies that offer quotes on standard comparison websites, have very strict underwriting criteria that the risk, that is you and your car, must fit into to be offered a quote from the online computer system. This is the case for nearly half of the UK population visiting a major motor insurance comparison website.
Many people searching online for various motor insurance covers, come away disappointed at not being able to insure their car or vehicle, as quickly and as easily as was suggested on the television advert, because the comparison company failed to mention that if you cannot tick all the boxes on the form, you are a non standard risk.
When choosing a car insurance policy it is wise to consider what is offered in the event of a claim. After all, you are only insuring the car to have the potential to make a claim and the cover is only as good as the insuring company’s claims department.
More importantly if you are the owner, if something happens and you need to make a claim on your policy, it is important that your car gets fixed by specialist professionals, using the correct parts.
More often than not these type of car repairs require unique tools that are only available through specialist engineers and motor repair shops.
So it is most important when comparing car insurance to also compare the services that a car insurer offers in the event of a claim, especially those regarding choice of repairer.
Trouble arises when an insurance company employs its approved repairers to work on the vehicle against the policyholder’s wishes.
Clearly then it is very important to understand what you are buying with your policy when it comes to claims and repairs.
There are two overall reasons or factors that make someone a non-standard risk, these being, you as a person and the car you drive.
Many online insurance comparison systems exclude high risk groups above fourteen for certain combinations of factors and will fail to quote.
Age of a vehicle whether it be a a specialist modified car car or a brand new off the forecourt car will seriously affect the risk quote and you could be refused a quote.
The large proportion of people fit into the standard rating process, however, drivers aren’t!.
The reasons can be age and gender related, where you live and what you do for a living. Many occupations will exclude you from online quoting and certain providers offers specialist schemes aimed at differing age groups.
Theft rates for the area you live in may also result in a decline to quote.
Many specialist car insurance brokers have individually designed specialist car insurance schemes to cater for all those nuances that the comparison sites decline to quotes for.
Despite the recession, perhaps because of the recession more and more car drivers are purchasing the classic car or performance motor they have always dreamed of owning and driving when they were younger.
For those of us who have eventually realised our dreams and secured that prized classic car or souped up modified sports car we always wanted, it is important to protect it with a comprehensive policy from an independent insurance specialist.
The policy wordings of classic motor and schemes often contain elements that are specific to a particular car make, type and model. These schemes often include additional benefits, such as helplines and approved specialist repairers who are on hand as part of the claims package.
All specialist car insurance schemes also provide cover for high performance, prestige, classic or sports cars in particular, and you could certainly save money by taking out a policy from a scheme associated with your car, rather than standard motor insurance from a insurance comparison supermarket.
If your car is not a regular everyday standard road vehicle, but is special with accessories and modifications, or it is worth over £10000 you may find yourself subjected to higher premiums from the standard motor insurance providers.
The benefits of these schemes are that you buy a product that is totally suitable for your individual situation and designed around your exact personal requirements and your classic or performance car’s particular insurance cover needs.
Many drivers, mostly through inertia, laziness or a misguided loyalty bordering on Stockholm syndrome, continue to pay over the odds for specialist car insurance premiums, failing to realise that an hours work searching for alternative specialty cover online, could make them hundreds of pounds or dollars in premium savings.
Compare specialist car insurance quotes and Cheap car insurance quotes online or call 0800 089 0182 to discuss your insurance needs with a specialist car insurance broker!
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