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Cheap Collectors Car Insurance

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Collectors’ Car Insurance – Compare Cheap Quotes

While some collectors’ cars are neither classic cars nor vintage cars, most of them are. And in fact, even a lot of the collectors’ cars that technically aren’t classed as classic or vintage motors could be viewed as ‘modern classics’, specifically because they are so collectable.

No matter what type of collectors’ car you own, though, and no matter how old that vehicle happens to be, it pays to shop around for insurance quotes when you need to take out collectors’ car insurance.

By comparing insurance quotes for your collectable car from a wide range of providers you stand a better chance of finding the right policy at the right price.

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How much does collectors’ car insurance cost?

The simple answer is “it depends”.

Car insurance providers will take a wide range of risk factors into account when they’re calculating the premium beyond the car’s age, make and model, and many of those factors will be specific to the driver and the car, so there’s no standardised average price you can expect to pay.

For instance, your age, your postcode, your driving record and your no claims history will all affect your premium, and your estimated annual mileage, class of use, and where you park your car are all likely to play a role as well.

The best plan is to compare collectors’ car insurance quotes from a wide range of different providers, and then go with the one that offers the best policy at the most competitive price.

What does ‘agreed value’ mean when insuring a collectable car?

The fact that collectable cars are sought after by automotive collectors means they are always worth more than their ordinary market values would suggest.

To account for the mark-up the vehicle’s collectability adds to its value, insurers will sometimes agree to set an ‘agreed value’ in their car insurance policies, which is the valuation the insurer and policyholder agree the vehicle is worth, irrespective of its ordinary market value.