If you’re a car enthusiast, then you might have considered buying a kit car or even already have one. If this is the case, then you’ll probably want to take out a kit car insurance policy rather than a regular car insurance policy.

Some of the main benefits of kit car insurance are:

  • Specialized cover to cover all risks that come with kit cars
  • Road risks cover
  • Flexible payment options
  • Easy claims procedure
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A guide to kit car insurance

Unlike a regular car that comes ready to drive, a kit car is one that comes in parts and that you build yourself. It gives you a way to have a highly personalized car that also comes with a sense of accomplishment after you’ve built it.

Because kit cars come with some unique risks and are often not used as an everyday vehicle, it’s usually better to get a special kit car insurance policy. You can read more about kit car insurance below or click the green button to get quotes now.

Did you know?

Kit cars come with some unique risks, such as damage occurring while building. This is why it’s a good idea to get kit car insurance to protect against these risks.

What is covered with kit car insurance?

The main types of road risk insurance available for kit cars are:

  • Third party – Third party insurance will make your car legal to drive but only provides enough cover for other road users in case of accidents where you’re at fault.
  • Third party, fire and theft – The same level of road risks cover but also with fire and theft included.
  • Fully comprehensive – This will protect your car for all types of accidents, including those you’re at fault for.

In addition to road risks cover, there are also multiple other insurance options that kit car owners often opt for. These include:

  • Agreed value cover – Because kit cars are specialist cars, they often don’t have a clear market value. For this reason, it’s a good idea to get agreed value cover, which is where you and your insurance provider agree on what your car is worth. This usually takes into account your building efforts and how rare the car is.
  • Track day cover – Kit cars are often used for racing, and if this is how you intend to use yours, then you’ll certainly want to get track day cover. This will cover you for accidental damage while you’re racing.
  • Limited mileage cover – If you don’t plan to use your kit car as your main vehicle, as is the case with many kit car owners, then you can get a lower price on your insurance by taking out a limited mileage policy.
  • Build-up cover – This will cover your car and its parts for any damage that might occur during construction as well as theft.
  • Salvage retention – If your car is written off, you would have the option to buy back the parts.

How much does kit car insurance cost?

The cost of a kit car insurance policy will depend on a few key things. The main ones are:

  • Your age
  • Where you live
  • How secure your car is
  • How you intend to use it
  • The rarity of the parts
  • Your driving history
  • How you pay for your policy
  • The level of cover you take out

Did you know?

How much you pay for cover will depend on the value of your car, your age, and how you intend to use it.
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What are the best ways to save money on kit car insurance?

Below are a few great ways to save money on kit car insurance:

  • Make your car secure – Any way you can make your car more secure should help to lower the cost of your insurance. The most important thing is to have somewhere secure to keep your car when you’re not using it. Ideally, this would be a locked garage, but at minimum, it should be off the street.
  • Get a limited mileage policy – Limited mileage policies usually work out much cheaper compared to standard car insurance and are very common for kit car owners.
  • Increase excess – You can increase what you’d pay towards a claim in order to lower your premium.
  • Shop around – You should always make sure to get quotes from multiple providers so you can make an informed decision on your cover.

In summary: Buying kit car insurance

Kit cars come with some unique risks, but as long as you have good insurance in place, you’ll be able to enjoy your car and drive it with full peace of mind.

Get kit car insurance quotes the easy way

Click the green button to get your tailored kit car insurance quotes now!

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Kit Car Insurance FAQs

Are kit cars more expensive to insure?

This really depends on the value of your car, how you intend to use it and how securely it’s stored. It also depends on how often you’ll use it. Many kit car owners only use their car for special purposes, such as for racing or taking to events and in this car it can be quite a bit cheaper to insure them compared to a regular car.

What is the best type of policy to get?

This will also depend on how you plan to use your car and how often. If you’re going to be using it a lot, then you’ll certainly want to consider getting a comprehensive policy to cover you for collisions, fire and theft.