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Compare some of the UK’s top kit-car insurance providers to help you get a good deal.
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We do appreciate that some questions about comparing kit car insurance prices are a little too boring to be asked, but that’s not to say they can’t be thought.
So, we’ve compiled the following simple answers to frequently asked questions, about finding cheap quotes when comparing kit car insurance.
This should not be constructed as advice and is guidance only.
What is a kit car?
A kit car is defined as a car delivered in pieces and ready to be assembled. Off-the-peg insurance is fine for standard cars, but owners of kit cars usually need specialist cover, tailor-made to suit their requirements. You might have to pay a bit more for your kit car insurance, especially if you have modified the vehicle, but the extra cost is often worth the extra peace of mind.
What does kit car insurance cover?
Insurance for kit cars covers all the usual risks to your car, such as theft, fire and damage as a result of a road accident. However, a specialist policy can also include build up cover, which insures your kit car as soon as the parts arrive. In other words, you would be able to make a claim if your car or parts were lost or stolen before it was fully assembled. Some kit car insurance companies also offer protection for component parts that are damaged or lost in transit. The parts for kit cars can be pricey, so build up cover can be a financial lifeline.
A specialist insurer will also usually pay out an ‘agreed value’ if the kit car is written off or stolen, unlike standard insurance policies, which typically pay out the market value. An agreed value is important because it is often hard to put a price on a kit car, especially if it has been modified. Also, kit cars are different from ordinary runabouts because their value does not always depreciate over time. In fact, kit cars can sometimes increase in value as the years go by. If you agree on a value with the insurer at the outset, you can be sure that the policy will pay out the full value of the vehicle in the event of a claim.
If the worst should happen and your car is a write-off, you might want to salvage the parts, especially if they were expensive. Salvage retention cover enables you to buy back the wreckage, and use any salvageable parts to build a new kit car. Bear in mind that if a wreckage is seriously damaged, it might be illegal to salvage any parts because of the potential safety hazard.
Can I add extras to my kit car insurance policy?
If you need a bit more than basic cover for your kit car, you can usually add a range of extras, though you will have to pay an additional premium. Some breakdown policies exclude kit cars, so owners should check the details if they want emergency assistance. It might also be a good idea to add legal expenses to your kit car insurance to cover any court costs.
If you are a track or racing enthusiast, make sure you have appropriate cover for these activities. The same is true for kit car owners who use their cars for weddings or other formal occasions. And if you plan to drive your kit car overseas, read the small print carefully. Some policies include European cover up to a certain limit, but never assume that insurance is either adequate or in place.
Many kit car insurance policies exclude drivers under the age of 21. If you are a younger driver, you will almost certainly have to pay a lot more for your insurance, assuming you can find an insurer that is willing to take the risk.