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Get Peace of Mind on the Road with the Right American Car Insurance

There are many beautiful American cars that are simply not available in the UK. This being the case, some people choose to import their dream car from the States.

If you have an American import car, such as a Cadillac or Dodge Challenger, you might be worried that you won’t be able to get insurance at an affordable price, but that’s not the case. Keep reading for more information.

Did you know…?

You can get cover for most types of imported American cars.

Why You Need to Get American Car Insurance

American cars that have been imported to the UK tend to be much rarer and harder to find parts for, so getting the right cover is absolutely essential.

American Car Insurance - Types of Cover

The nature of car insurance you choose plays a crucial role in determining the scope of protection you gain. The main categories available in the UK are:

  • Third-Party Only Insurance: This is the basic car insurance requirement by law in the UK. It includes coverage for injuries inflicted on others and damage to others' property, but doesn't provide for any damage to your vehicle.
  • Third-Party, Fire and Theft Insurance: This is an extension of Third-Party Only insurance, offering additional coverage against loss or damage to your vehicle due to fire and theft incidents.
  • Comprehensive Car Insurance: This is the most extensive insurance cover you can get. It encompasses all the components of Third-Party, Fire and Theft policy, plus it may also help bear the cost of repairs or replacement of your car, irrespective of who caused the accident.

Did you know…?

It's always a good idea to take any steps you can to reduce costs when insuring an imported car.

Why You Should Get American Car Insurance Quotes Online

The many benefits of getting American Car Insurance quotes online include –

  • They allow customisation of search results based on individual needs, such as coverage type and excess amount, for a personalised experience.
  • These services don't require commitment or purchase; they can be used as research tools.
  • They promote competition among insurers, often leading to better pricing options.
  • Users can take note of extras included in some policies, like breakdown cover and legal protection.
  • Insurance comparison websites provide guidance and simplify the overwhelming process of looking for insurance.
  • The real-time comparison of prices from various insurers aids in making an informed decision.

Optional Cover for American Car Insurance

Optional cover for American Car Insurance includes –

  • Misfuelling Cover: If you accidentally fuel up with the wrong type, this cover helps manage the cost of any necessary repairs.
  • Child Car Seat Cover: Accidents can be unnerving, especially with children involved. This cover allows for the replacement of any child car seats, even if there's no apparent damage.
  • Breakdown Cover: When your car takes an unexpected pause, this add-on ensures you're not stranded and provides roadside assistance at any time.
  • Legal Cover: Road incident led to a legal dispute? This cover provides financial protection to keep legal costs at bay.
  • Key Cover: Losing your keys is frustrating enough without the added expense. This cover handles the cost of replacement keys and even the locksmith's fee.
  • No Claims Discount Protection: Claim or not, this cover ensures your no claims discount remains untouched, helping you secure lower premiums in the future.
  • Foreign Use Cover: Planning to hit the road abroad? This provides the same level of protection as you have at home, so you can drive with peace of mind.
  • Personal Accident Cover: In case a severe accident occurs, this cover offers you and any named driver a financial safety net for certain injuries.
  • Excess Protection Cover: This cover absorbs the cost of your excess if you need to make a claim, ensuring you're not left out of pocket.
  • Uninsured Driver Protection: If an uninsured driver collides with your vehicle, this cover ensures you're not left to foot the bill, protecting your excess and your no claims discount.
  • Windscreen Cover: Keep your view clear with this cover, which provides protection against any windscreen damage.
  • Courtesy Car Cover: If your car is off the road for repairs after an accident, this cover keeps your routine running by providing a courtesy car.

Did you know…?

Third party only insurance if the lowest level of cover you can get to make your vehicle road legal.

Save Money On American Car Insurance

American Car Insurance needn’t cost an arm and a leg. Below are some great ways to save money –

  • No Claims Discount: Insurers may offer discounts to drivers who have not made a claim in a while. The longer you go without making a claim, the larger the discount could be.
  • Higher Excess: Agreeing to pay a higher voluntary excess (the amount you pay towards any claim) can lower your insurance premium. However, ensure that you can afford the excess in case you need to make a claim.
  • Advanced Driving Courses: Some insurers may offer discounts if you've completed an advanced driving course, such as those offered by the Institute of Advanced Motorists.
  • Maintain a Good Credit Score: Some insurers consider credit score when determining premiums. A good credit score can demonstrate that you're reliable and may lead to lower costs.
  • Review Your Coverage Annually: As your life changes, so do your insurance needs. Review your policy annually to make sure you're not paying for unnecessary coverage.
  • Telematics Insurance: Also known as 'black box' insurance, this involves a device being fitted to your car to monitor your driving. Good, safe driving can lead to lower premiums.

Get American Car Insurance Easily!

Comparing tailored quotes is the secret weapon for zeroing in on the best car insurance. Here's the roadmap:
  • Firstly, you input your personal details - they assure absolute data protection.
  • Then, share your vehicle's specifics - every detail leads to a better fit.
  • Fill in your current insurance particulars - it's crucial for personalised recommendations.
  • Sit back as specialist insurance providers connect with you offering tailored quotes.

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American Car Insurance FAQs

Do American cars cost more to insure?

American cars that have been specially imported and aren’t commonly available in the UK will cost more to insure than similar vehicles in their class. This is because they can be targeted by thieves and because parts are harder to find.

What type of cover should I get for an American car?

If you’re planning to import a rare or expensive American car, then you’ll certainly want to get the best type of cover you can. This means a fully comprehensive policy that includes fire and theft.

How can I keep my American car safe?

If you want to import an American car, then ideally you would have a securely locked garage to keep it in when you’re not using it.