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Media post: Insuring Your Classic: Why It Pays to Own a Vintage Motor

1958 Buick Limited. Picture courtesy

There is something really special about classic cars. They possess an indefinable charisma that transcends the ages, the purr of their antique engines proving enough to send many grown men into shivers of ecstasy. With their gleaming paintwork, vintage aesthetic, and timeless elegance, it’s little wonder that those who own them adore them. That’s why it’s so important to take proper care of them. From weekly waxes to luxurious garages, dust sheets, and devotion, it’s essential to treat your vintage drive to the very best, and choosing the right insurance for it is a great place to start…

How to Insure a Classic Car

For those blessed enough to own a vintage motor, two insurance options present themselves: insuring as a ‘classic’, or insuring for ‘everyday use’. The former policies are often highly competitive, and companies like A-Plan pride themselves on offering premiums that you’ll love. The downside is that these may impose limitations, making them ill-suited to those who don’t just drive for pleasure.

Classic Specific Cover

‘Everyday use’ policies for classic cars are much the same as those for other vehicles, but specialist cover varies in some quite marked ways, and many enthusiasts are quick to sing its praises. This is largely down to the highly competitive cover that’s available. With coverage for many popular models starting at around £100 for the year, you can save an awful lot of money by choosing your policy with care.

Laid-up Cover

For those who would like to reduce their costs even further, laid-up cover is available for when your car is off the road. With many enthusiasts choosing to lock their beloved classic away in a warm, dry garage during the wet winter months, you’ll find that this practice can prove very beneficial to your wallet, cutting costs to as little as £45 per year.

Agreed Value

Special classic car cover can save vintage enthusiasts a lot of money in the long-run, but it’s important to choose your policy with care if you want your efforts to pay off. This means paying attention to the ‘agreed value’ that you and your insurer settle on. Although higher value cars may well cost more to insure, this will add mere pounds to your policy, and will ultimately ensure that all of your potential costs are properly covered before any repairs or replacements are needed. Take care of your classic car today by choosing the perfect cover, and give your bank balance a welcome boost along the way.

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