You and your vehicle will have to meet certain standards in order to purchase antique and classic car insurance. A very important standard is that you have a good driving record. Probably one or two minor violation might be allowed in order for you to qualify. Once upon a time, a car had to be twenty-five years or older to be qualified for classic car insurance.
Since antique car collecting has become more popular, cars that are at least 25 years old are considered vintage, but cars that 15 years or older are now considered for vintage insurance. However, cars that are even newer than 15 years are accepted as long as they are considered rare. It is best to check with the insurer to see if your car qualifies.
When searching for the right covers it is wise to get a range of classic car insurance online quotes from various different sources. Not all motor companies are the same, and neither are all classic policy conditions.
Insurers will limit the amount of miles you can drive each year. Twenty-five hundred miles seems to be the average amount of usage for classic cars, but antique classic car insurance companies offer the option of five thousand miles.
The problems occur much more frequently when non valuable classic cars are insured under this type of policy when they should really be covered under a more embracing standard motor insurance. Unfortunately, restrictive policy conditions often only come to light after an accident and a claim is made, rejected by the insurer and leaves the policyholder feeling abandoned.
Some insurance companies will only give vintage status to cars that are nineteen seventies vintage or older. You should know that policies will differ depending on the age of your car. Another thing that insurers will take into consideration is whether you have an insurance policy of an ordinary car before they grant you a special policy.
If the value of the car is not particularly high and the replacement costs of parts and repairs does not warrant a specialist policy, you may well be better advised to seek out quotes from a mainstream insurance company. They often have additional online discounts and offers which the classic policy providers are not in a position to offer.
As with all car insurance, what may initially appear cheap at policy inception could cause some unpleasant surprises when it comes to making a claim.
David contributes to a site about auto insurance company ratings where consumers can get rates from classic car insurance companies.
