Classic car insurance is quite unique from other types of insurance policies. The definition for a car to be a classic car is different in different insurance companies and it is even made mandatory to have one if your car comes under such definition.
Before we move on to dealing with it online, there are some things to be learnt about these in general.
How to determine if your car is a classic car or not?
As stated earlier, the definition for a classic car changes from place to place. In USA, it is a car which has been manufactured 20 years before the present year. There is one important aspect in this definition, it is mandatory that the car must still have its looks unaltered as when bought.
Whereas, the Classic Car Club of America (CCCA) has its own standards to define a car to be a classic one. It defines it to be one that has been made in a particular period of time (1946 to 1985) and has the original parts as when bought.
In UK, your lady with four wheels becomes classic, if she is aged between 15 to 25 years. But the definition in UK is not as strict as compared to USA Antique cars.
Why is it unique than the rest?
Yes, this type of insurance is always unique and sometimes mandatory. It is because these special cars have less fuel efficiency and mileage compared to the modern cars. They also lack the safety options that the modern cars promise like airbags, ABS, seat belts and so on. There is yet another reason for this, they are often owned by antique car collectors who often make these cars to participate in expositions and rallies which mean that these have to travel longer distances a year.
So, after gaining some basic knowledge on this unique insurance, here are few tips for you to get it online:
- Understand the definition well given by companies that you browse in their website and see which suits you the best.
- Browse for the coverage with a practical mind on the basis of how often you use it.
- Compare and choose from websites and shortlist a few based on your need.
- Take the help of people who have successfully insured their car online.They may give you some practical and easy ways to get the job done.
- Attend a lot of expositions and exhibitions for classic cars as you may get some good rates there where insurance companies specializing in this field may help you to decide.
- Once after your special car is successfully insured, you can continue your relationship with your lady (car) peacefully without the fear of divorce!
