On 13 Oct 2004 "Dave Plowman (News)" wrote:

Richard Porter wrote:

Kit car and classic car insurance is relatively cheap because people
who put a lot of effort into building, restoring and maintaining their
own cars tend to drive them more carefully and don't have more claims
because their vehicles are unroadworthy. In fact they're more likely to
spot problems before they become serious.

Hmm. More likely because of the restricted mileage.

True, but strangely I have one car on an unlimited mileage policy which
is cheaper than another one on a limited (7,500) mileage policy. Both
cars are similar in most respects, though different marques.

And that they usually have to be *not* the main car.

The insurers do ask if I have another car, to which the answer is of
course "yes". They don't ask which is the main car or stipulate that
the insured car isn't it. In any case how do you define "main car"? I
might do more mileage in my kit car on one or two continental trips
than I would do commuting or shopping in the hypothetical Mondeo.

They do like you to belong to a recognised owners club, but that's
mainly to distinguish between "classic cars" and "old bangers".

And secured when parked.

Most premiums are reduced if the vehicle is kept in a locked garage.

--
Richard Porter
Mail to username ricp at domain minijem.plus.com
"You can't have Windows without pains."