Kit Car Insurance

Owning a kit car is a unique and rewarding experience, and insuring it should be just as tailored to your needs. Kit cars, often built by enthusiasts, have distinct requirements that set them apart from traditional vehicles when it comes to insurance. Here's why kit car insurance is essential and how it differs from standard car insurance.

What Makes Kit Car Insurance Different?

Unlike regular cars, kit cars are often assembled from components or modified from their original design, making them highly personalized. Standard car insurance typically assumes a factory-produced vehicle with a set market value and predictable repair costs. Kit car insurance, however, takes into account:

• Custom Build and Components: Coverage for specialized or rare parts that may not be easily replaceable.
• Agreed Value: Many policies allow you to set an agreed value for your kit car, ensuring you are adequately compensated in case of a loss.
• Flexible Usage: Kit cars are often driven less frequently and may only be used for shows or leisure, which can reduce insurance costs.

Why Your Needs Are Different

As a kit car owner, you likely have different priorities than the average car owner:

• Protection for Your Investment: Building or purchasing a kit car involves significant time and money, making comprehensive protection essential.
• Limited Mileage: Many kit cars are driven sparingly, so policies often include options for lower mileage limits to save on premiums.
• Show and Event Coverage: If you showcase your car at events, insurance can cover transportation and display risks.

Popular Kit Car Makes and Models

Kit cars come in a variety of styles and builds, from classic replicas to cutting-edge designs. Some of the most popular makes and models include:

• Lotus 7 Replicas: Iconic lightweight sports cars built by enthusiasts.
• AC Cobra Replicas: Stunning recreations of the classic American roadster.
• Caterham: High-performance vehicles with a focus on track-day fun.
• Westfield: Well-known for their exceptional handling and performance.

Tailored Coverage for Unique Usage

Kit cars are often used differently than standard vehicles. Whether it's a leisurely weekend drive, a track day, or a car show, your insurance policy should reflect these unique usage patterns. Some policies may even include options for:

• Laid-Up Cover: Protect your car while it's not being driven or under restoration.
• Track Day Coverage: Enjoy peace of mind during performance-focused events.
• European Cover: Drive with confidence abroad, whether on holiday or to international events.

Why Choose Specialist Kit Car Insurance?

Standard car insurance providers may not fully understand the unique needs of kit car owners. Specialist insurers offer tailored policies that provide:

• Expert valuation and appraisal services.
• Flexible terms to suit your driving habits and car's value.
• Coverage for restoration, customization, and modifications.

By choosing a specialist provider, you can ensure that your pride and joy is properly protected, giving you peace of mind and allowing you to focus on enjoying your kit car.

Get a Quote Today

Ready to secure the perfect insurance for your kit car? Start your tailored quote now and ensure your vehicle is protected, whether it’s on the road, on the track, or on display.