Finding Specialist Car Insurance on the Internet

Do you require Specialist Car Insurance?

In the UK a large number of cars fall into categories that the majority of mainstream car insurance companies do not want to cover!

Specialist Car insurance will satisfy your car insurance requirements if you are::

Young Drivers
Lady Drivers
Drivers with 2 or more previous accidents or claims
Drivers with 2 or more driving convictions
Any driver with a Criminal conviction
Any driver with disability or medical condition
Any person who has had insurance refused / cancelled
All Drivers over 75 years old
Drivers residing in high rated risk areas
Drivers residing in the Channel Islands & Isle of Man
Drivers with non-standard jobs or occupations such as publicans, entertainers, celebrities, footballers, actors etc.

and anyone who drives the following vehicles:

Insurance Group 15 cars or above
Kit Cars
Classic Cars
Imported cars, Japan, Australia etc.
Left Hand Drive Cars
American Cars
Custom Cars
Hot Hatch Cars / High Performance
Military Vehicles
Camper vans
Vans used for pleasure and touring
Motorhomes
Exotics cars such as a Bugatti, Ferrari etc
Cars over 20 years old
Mini’s & VW Beetles
Wedding Cars
Limousines
Driving Tuition & Driving Instructors
Van Insurance and Commercial Vehicle
Modified Cars
American imports
Double Cabs and Pick Ups
Grey Imports

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.
What those who purport to compare the market often fail to tell you when you start to apply for cover, is that if you do not fit into the type of risk that they are looking for, determined by the answers that you give when you fill out the application or proposal form, that you will have been wasting your time!

When choosing a car insurance policy it is wise to consider what is offered in the event of a claim. After all, you are only insuring the car to have the potential to make a claim and the cover is only as good as the insuring company’s claims department.

Although price is most peoples consideration when purchasing car insurance, one of things you should not overlook is who is going to repair your car if it is damaged?

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.

Disputes often arise when an insurance company employs its approved repairers to work on the motor against the policyholder’s 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.

The risk price you pay for your car at a comparison site, is largely determined by the risk group assigned to the particular make and model of the vehicle.
Many online insurance comparison systems exclude high risk groups above fourteen for certain combinations of factors and will fail to quote.

Age of a vehicle whether it be a specialist classic car or a brand new off the forecourt car will seriously affect the rating quote and may lead to exclusion from the quotation process.

The large proportion of people fit into the standard rating process, however, drivers aren’t!.
The reasons 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.

The solution to the above problems in trying to obtain a reasonable car insurance quote, is to visit a specialist broker or motor insurance underwriter.
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.

Additionally specialist car insurance schemes more frequently than not offer exclusive discounts not found at the car insurance comparison websites.

Many drivers continue to pay over the odds for their car insurance, knowing they are non-standard risks, grateful to have found somewhere that can cover their specialist needs.

Compare specialist car insurance quotes and modified car insurance quotes online or call 0800 089 0182 to discuss your insurance needs with a specialist car insurance broker!