frog car accessories Article

Car Insurance For Kit Cars
By LuckySeven
If you’re the ultimate motoring enthusiast who likes to build their own cars, you’ll already know about the difficulties of securing cheap insurance.

There are several reasons why kit cars rarely qualify for cheap 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 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 packed with a large engine – an instant red flag.

So how can kit owners keep their insurance premiums down?

Well it’s almost inevitable that you will be paying more than most conventional 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 and how you’ve done it or you could negate any claims.

Most of all, kit drivers should shop around for cheap insurance. Though most conventional 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 insurance specialists.
LuckySeven is an author specialising in car insurance. My top tip: always shop around and compare quotes if you want to get cheap car insurance.