| Some people think of classic cars as the transport of | | | | omit it from your policy if the pay-out on your claim |
| eccentrics and TV detectives. Others consider them | | | | turns out to be hundreds or even thousands less |
| to be glamorous, expensive, and high maintenance | | | | than you thought. So, if you are surprised to learn |
| status symbols. But the reality is that many classic | | | | that insurers consider your beloved 1970's Datsun |
| cars simply do not fit these stereotypes. A classic | | | | Cherry a classic, make sure you take care when |
| car is easy to rave about but incredibly hard to | | | | choosing your car insurance policy! |
| define. Who is to say that a cherished Austin A40 in | | | | A car as special as yours deserves a special kind of |
| a supermarket car park is less of a 'Classic Car' than | | | | insurance policy. That's where Peter Best Insurance |
| a Mark II Jaguar at Ascot? And that's where you | | | | can help. With over 21 years experience in arranging |
| need to know what is and isn't classic - it will make a | | | | specialist insurance of classic cars, they are well |
| huge difference to your car insurance premium. | | | | placed to provide you with classic car insurance quote |
| Top tips for getting the best deal | | | | and guidance in selecting the best policy for your car. |
| - It is widely reported in the motoring press that | | | | Peter Best Insurance Services Ltd is a specialist |
| classic car insurance is far cheaper than a modern car | | | | insurance broker with over 21 years experience in |
| policy but it is important to be vigilant and well | | | | the collectable cars, motorbikes and commercial |
| informed. | | | | vehicles markets. The business operates out of two |
| - The condition and scarcity of a classic can vary | | | | offices in Essex - Maldon is the main office dedicated |
| dramatically, and an owner's perception as to the | | | | to classic cars including MGs, Morgan's, 4x4s etc |
| value of his beloved car can often be at odds with | | | | (01621 840400), while Kelvedon has certain car |
| his insurer's valuation in the event of a claim. | | | | schemes for Mercedes Benz, Volvo, Saab, BMW, for |
| - Search for a specialist insurer, they are more likely | | | | example and classic motorcycles. (01376 573033). |
| to provide specialist assistance and provide a better | | | | Collectable commercial vehicles are also catered for |
| rate. | | | | here together with kit cars. |
| - It is vital that you take out a guaranteed agreed | | | | With their interest in the classic market, they have |
| valuation when insuring your classic car. | | | | also forged strong connections with many of the car |
| A genuine agreed valuation is the value guaranteed | | | | clubs such as the Mercedes Benz Club and the MG |
| by the insurer should the car be written off or stolen. | | | | Car Club. This enables them to offer discounted |
| Make sure you check that your valuation is | | | | premiums to existing club members, providing they |
| 'guaranteed', as some insurers have refused to pay | | | | can supply their proof of membership. |
| out the full amount, despite the owner believing that | | | | They have a portfolio of insurers who have created |
| they were fully covered. | | | | a selection of policies specifically designed with the |
| Insurers may or may not make a small charge for an | | | | classic enthusiast in mind. These will offer the best |
| agreed valuation but it can be a false economy to | | | | levels of cover at a competitive price. |