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Classic car collectors should ensure that their prized vehicles have the right car insurance to guarantee that they are fully protected.

It is best to have a very comprehensive coverage to give motorists piece of mind, even if the vintage vehicle may be irreplaceable.

Look into the possibility of finding an agreed value option. This means that drivers can confirm a vehicle's value when they take the policy out, in order to avoid negotiating a price once a claim has to be made.

This is of particular use to classic car owners, as its value may be less clear when compared to modern vehicles.

"Agreed value policies protect the value of a specific vehicle, taking into account its heritage, pedigree and the condition of the individual vehicle," said Andy Fairchild, specialist insurance broker at Footman James.

"This policy option allows the enthusiast to document the condition and individual value of the vehicle at the onset of the policy."