| Ok. So you have a problem. Namely that you need | | | | this is something worth bearing in mind when you |
| classic car insurance. You need it now. Where do you | | | | approach insurance companies. You need to know |
| turn? Fortunately there is a step by step process to | | | | how much you intend to drive the car, and realise |
| follow to get your classic car insured, safe and feeling | | | | that that will be a key factor (along with driving |
| comfortable. If you have an antique or classic car | | | | record, your age etc) in determining the amount of |
| then you know how lucky you are! Every time you | | | | insurance premiums that you will have to pay. If you |
| look at it it makes you feel good, and makes you | | | | drive the car a lot, then expect your premiums to |
| remember exactly what you achieved in order to be | | | | cost you much more. |
| able to own it. There are only a couple of flies in the | | | | The insurance companies tend to have a couple of |
| ointment. The first you have already overcome. | | | | different classifications as to what constitutes a |
| That's finding, buying and probably restoring the car | | | | 'classic car'. These tend to fall into the following three |
| to its former glory (unfortunately many antique and | | | | time periods. 1934 - 1970 - The car should typically be |
| classic cars are in 'antique and classic' shape when | | | | older than 15 years to be thought of in the 'classic |
| you find them!). The next biggest problem (other | | | | car' mould. Though obviously, this is a matter of |
| than finding the money to buy it in the first place), is | | | | preference for the user ;) But as far as the classic |
| classic car insurance. Because whilst you hope that all | | | | car insurance company is concerned it is a good |
| goes well, you have to be prepared for problems | | | | yardstick to bear in mind. |
| (even if you don't think they will happen). Ok. So you | | | | 1903 - 1933 - These are referred to as 'Vintage or |
| have a problem. Namely that you need classic car | | | | sometimes 'Antique' Classic Cars. |
| insurance. You need it now. Where do you turn? | | | | Prior to 1903 - These are called 'Veteran' Cars. They |
| Fortunately there is a step by step process to follow | | | | are typically very rare, and often one-offs, so expect |
| to get your classic car insured, safe and feeling | | | | the classic car insurance premiums on these to be |
| comfortable. And thankfully, in these days of the | | | | somewhat steep. |
| internet, it need not put you in the poorhouse to | | | | The important thing to remember though is that |
| achieve your goal of safely meandering the country | | | | there is less choice in the classic car insurance market. |
| lanes (or wherever you happen to find yourself), in | | | | It is simply not offered by as many companies, there |
| your new pride and joy. The first step is to do a | | | | are more niche players, and so the classic car |
| search for classic car insurance online. You will find | | | | insurance quotes that you receive may well be less |
| that most insurance companies will allow you to drive | | | | varied then you would get in the general auto |
| your classic car for around 5000 miles a year. And | | | | insurance market. |