Vintage Car Insurance Quote

A vintage car insurance quote is a good idea, even if you do not intend to drive your classic motor on a public road. Vintage cars are becoming more and more popular with consumers, especially with younger motorists under the age of forty. These young drivers view vintage cars as more stylish and less likely to need replacing than new vehicles. While most people purchase a vintage motor as their regular mode of transport, some people buy classic automobiles just to collect then and have no intention of actually driving them.

A Necessary Insurance Quote

However, just because you do not intend to drive your classic motor on the public highways, this does not mean than you can do without a car insurance quote. Any vehicle which is taxed is required to be insured, so you need to make sure that you abide by the road rules in the UK. Even if you have an especially old auto which was manufactured before the 1st January 1973 and thus has a nil value tax disc, it is still considered to be taxed by the Driver and Vehicle Licensing Agency (DVLA). You will therefore be required to obtain a vintage car insurance quote in order to stay safely within the law.

On the other hand, you may not have to get your classic vehicle insured as long as you never intend to drive it. You can apply to the DVLA to make a Statutory Off Road Notification (SORN) and therefore declare it to be an off road vehicle. As long as you can do this, you will not have to acquire a vintage car insurance quote. If you do not make the official SORN declaration, you may be subject to a fine for not having the required insurance on your vehicle, whether it is roadworthy or not.

Quote from Specialist Insurers

Once you have decided upon your classic motor and have fully committed to getting a vintage car insurance quote, it might be worth seeking out some of the specialist insurers whose focus is purely on vintage motors. They will have the best knowledge of what kind of policy quote you need for your particular model of motor. As a burgeoning area of trade, good deals are often to be found when comparing estimates between these insurers for a vintage car insurance quote.

In general, a vintage car insurance quote is likely to be significantly lower than insurance for a newer car, even if the value of your classic motor remains relatively high. These vehicles are generally judged to be much more reliable models than brand new cars and thus attract more reasonable premiums. However, there are some disadvantages to classic vehicle ownership.

Some classic motors which are particularly old or uncommon may give you problems when it comes to repairs. Due to their age and relative rarity, it can be difficult to source the right spare parts for your automobile. In fact, sourcing parts for these motors can prove to be very expensive, so some insurers may not cover you for repairs as part of a vintage car insurance quote if they believe that it would be a great expense to locate any spare parts. You may also have trouble finding a suitably qualified mechanic to service your particular model.

However, for many people, the puzzle of where to get spare parts from to fix or enhance their vintage car is a source of great enjoyment and part of the appeal of owing this kind of automobile. Therefore, it may not seem too significant a disadvantage for the classic car enthusiast. The hunt for a good vintage car insurance quote will probably be focussed on a provision to avoid overt damage to the auto, such as scratches on or cracks in the windows.

Motor Value

One factor you should probably be aware of when getting a quote concerns the value of the automobile. The higher the value of a car, the higher your insurance quote will be. As a car is often judged to be a classic if it is more than twenty years old, the value of the vintage motor you currently own may be quite low, as long as it does not fall into the antique category.

As a result of this, any quote you currently get will probably be quite cheap. However, old cars generally increase in value as the years go by, so it is useful to review your policy regularly in case the market value of your motor has gone up. If you do not do this, you may find in future years that you end up with an insurance shortfall, so that the premium you are paying does not match the contemporary value of your car. An accurate market value will give you a more accurate vintage car insurance quote.

With the help of this site, I was able to quickly get a great selection of car insurance quotes to compare from, making my search for cover very easy.
Sophie T, Glasgow UK