If you’re the ultimate motoring enthusiast who likes to build their own cars, you’ll already know about the difficulties of securing cheap car insurance.
There are several reasons why kit cars rarely qualify for cheap car insurance. With the engine, frame, gearbox and parts usually assembled by the owner they rarely pass safety checks and usually lack most of the popular modern safety features including airbags and high-impact crumple zones.
Indeed many of the factors that make kit cars so popular earn a black mark with most car insurance companies.
For example, kit cars are usually lightweight for added acceleration. They are often equipped with large engines that are pushed into small frames making them attractive for car criminals such as thieves and joy riders. They are also rarely fitted with any security devices such as immobilisers and alarms.
All of this leaves insurers with a small, lightweight, easy-to-steal car packed with a large engine – an instant red flag.
So how can kit car owners keep their car insurance premiums down?
Well it’s almost inevitable that you will be paying more than most conventional car drivers but you can still reduce your costs. By only including one named driver on the policy for example, you can cut premiums – you should also consider reducing the size of the engine and adding security features if possible.
It’s vital to be honest with your insurer too – know exactly what you’ve done to your car and how you’ve done it or you could negate any claims.
Most of all, kit car drivers should shop around for cheap car insurance. Though most conventional car insurance companies will not offer policies, it’s still worth comparing the market and seeing how the few deals available match up to those from kit car insurance specialists.
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