If you own a classic car then it does not mean that you are old fashioned. It means you have a love for the classics of yesteryear and antique items. It is more like a hobby, a passion just like music and arts. When you have a classic car on your driveway then you also need extra protection for it. You need to have a classic car insurance policy to protect your passion against damage and the risk of threat. There are so many insurance policies that you can have and you can make things much easier for your classic car. Here are the factsaround you need to know about classic car insurance.
When you are driving a classic car then you are protecting your car more than your usual daily runabout, which means you are maintaining it to a higher standard. Plus, when you go to the insurer then the insurer will often presume that you will be doing less mileage. Having a classic car does not mean that you are driving it everywhere. You are using it for those special drives and occasions that make you happy. So, you need to try to find the perfect classic car insurance quote to protect your pride and joy.
Insurance Options
When you go to the insurance company and get a quote then most of the companies will offer you standard cover at the current market value of your car. However, there are insurance companies who can offer you specialised insurance policies for the actual value of the classic car. Of course, you are using the classic item in the world of super computers so the market has evolved but there are people who still care about the classics and can provide you cover on the original price of the classic car as to what it is actually worth in the market.
There are so many things that depend on the insurer. If you are agreed to the terms then you can speak to the insurer to check if you can add more items to your policy such as breakdown cover specifically for classic vehicles and items that are stolen from inside the vehicle. If you get lucky then you can also get a few extra things. The insurer may offer additional cover options such as legal protection, EU breakdown cover, laid up cover and limited mileage discounts. But, the choice is all yours, no one is pressurizing you and you can still find the best insurer who really cares about your car. So when you are fully satisfied with the terms then you can proceed further. At the end of the day you need to ensure that you get a policy which is at the right price with a company that you trust.