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January 17th, 2009 admin

Specialist Car Insurance could save you money!

Are you a non standard Driver? you may need Specialist Car Insurance!
Surprisingly a large number of vehicles fall into categories that the majority of mainstream car insurance companies do not want to cover!

Such examples that may struggle to obtain motor insurance at reasonable rates are owners of performance,prestige, expensive, luxury, foreign, sports, convertibles, modified, veteran, collectors and classic cars.

Most Car Insurance companies that offer quotes on standard comparison websites, have very strict underwriting criteria that the risk, that is you and your car, must fit into to be offered a quote from the online computer system. This is the case for nearly half of the UK population visiting a major motor insurance comparison website.

Many people searching online for various motor insurance covers, come away disappointed at not being able to insure their car or vehicle, as quickly and as easily as was suggested on the television advert, because the comparison company failed to mention that if you cannot tick all the boxes on the form, you are a non standard risk.

Many more customers that the mainstream car insurance comparison sites fail to satisfy, then take up first quote they are offered from another source, even if it is very expensive, because they fear they will not get cover elsewhere.

More importantly if you are the owner, if something happens and you need to make a claim on your policy, it is important that your car gets fixed by specialist professionals, using the correct parts.

All specialist car insurers and many insurance companies will offer a choice of repairer – many others will not as they have existing arrangements with so called approved repairers.

Trouble arises when a Car insurer employs its approved repairers to fix the vehicle against the owners wishes.

Specialist car insurance policies always offer unique claims repair services and if you own an unusual, expensive, classic car or performance motor, then it would be sensible to opt for a policy that includes these repair services to avoid the above situations.

There are two overall reasons or factors that make someone a non-standard risk, these being, you as a person and the car you drive.
Every car in the UK is assigned to a risk group for rating purposes from one to twenty, twenty being the highest risk, typically high performance expensive fast sports cars. The higher the risk group the more you pay.

How old the car is whether it be a a specialist modified car car or a brand new off the forecourt car will seriously affect the rating quote and you could be refused a quote.

The large proportion of people fit into the standard rating process, however, people are not.
These can be age and gender related, where you live and what you do for a living. Many occupations will exclude you from online quoting and certain providers offers specialist schemes aimed at differing age groups.
Theft rates for the area you live in may also result in a decline to quote.

Many specialist car insurance brokers have individually designed specialist car insurance schemes to cater for all those nuances that the comparison sites decline to quotes for.
It is now possible to combine the benefits of comparing car insurance quotes and specialist car insurance. The Internet has allowed the development of specialist motor insurance comparison sites where multiple schemes are compared for non standard risks.

For those of us who have eventually realised our dreams and secured that prized classic car or souped up modified sports car we always wanted, it is important to protect it with a comprehensive policy from an independent insurance specialist.

These bespoke policy types are known as classic car insurance schemes and are often initially drawn up by an underwriter, in request to a large pool of insurance presented by a classic car club or society. Each manufacturer will have multiple members clubs and there may be many schemes for a particular car model.

All specialist car insurance schemes also provide cover for high performance, prestige, classic or sports cars in particular, and you could certainly save money by taking out a policy from a scheme associated with your car, rather than standard motor insurance from a insurance comparison supermarket.

Wholesale large insurance companies argue that handling claims and arranging specialist parts for replacement and repairs, tend to be much more difficult to arrange and expensive and the result is higher premiums. Many mainstream car comparison insurers do not want to cover you period, so they will try to exclude you and dissuade you by offering highly weighted premium quotes and expensive cover.

You could be paying much less for your classic cover by switching to a specialist provider of classic car insurance. In certain circumstances, for example where your existing policy provider is charging you for unnecessary elements of cover, or does not really want you as a client as your profile does not match the optimal risk profile for their book of insurance business, you could save hundreds if you switch to a classic scheme.

Many drivers, mostly through inertia, laziness or a misguided loyalty bordering on Stockholm syndrome, continue to pay over the odds for specialist car insurance premiums, failing to realise that an hours work searching for alternative specialty cover online, could make them hundreds of pounds or dollars in premium savings.

Compare specialist car insurance quotes and performance car insurance quotes online or call 0800 089 0182 for an instant car insurance quote from a specialist car insurance broker!
KANYE WEST, RAKIM, KRS-ONE, NAS & DJ PREMIER: CLASSIC