Specialist car insurance covers more than just your standard cars. Not only does it cover a wider range of vehicles, but the policy has additional cover features.
If you’re not sure whether your vehicle falls under a regular car insurance policy, or a specialist car insurance policy, you’ve come to the right place. Here we delve into what the difference in policies is, and why you might need one over the other.
What is regular car insurance?
Most people will need regular car insurance for their vehicles, and this is a legal requirement alongside paying your road tax. It’s important to make sure you are covered for what you need, whether this be third party insurance, third party fire and theft, or fully comprehensive.
Typically, the price of this is based on the car you are driving and the area you live in. Discounts and loadings will be factored in for accidents and penalty points (this list is not exhaustive).
What is specialist motor insurance?
Here at Carbon Insurance Brokers our Specialist Motor Insurance policies go above and beyond what a standard car insurance policy will cover. If your car is more expensive than the average motor car, then you will need to have a policy that caters for this.
This is typical of cars such as Range Rovers, Porsches, Lamborghinis, and more. Your policy will cover what a regular car insurance policy covers, but there are additional extras, which are more premium.
What is covered under our specialist car insurance?
Our policies cover you for more than a regular car insurance policy will.
Cover features include:
- Minimum of £4,000 towards hire costs in the event of a claim
- Choice of your own repairer in the event of a claim
- Agreed value of the vehicle from the onset of the policy
- Driving other cars on a comprehensive basis
What cars would fall under this insurance?
The cars which would fall under specialist motor insurance would be:
- High value cars
- Classic cars
- Modified cars
- Supercars and hypercars
How much more is specialist motor insurance?
Normally, how much you pay for your insurance all comes down to your vehicle and your driving. Like regular car insurance, the more miles you do, the more expensive it will be. This is true as well of where your car is stored overnight, what your driving history is like, and whether the car has had any modifications.
Typically, cars which are powerful, of a higher value, or modified will be more expensive for insurance than lower spec cars.
Specialist motor insurance with Carbon Insurance Brokers
Why choose Carbon Insurance Brokers for your specialist motor insurance? We have over 25 years of industry experience, and our team of experts have experience covering non-standard risks. We want to help you protect your vehicles and give you one less thing to worry about.
Our specialist motor insurance cover is a premium policy which is fit to you, and your needs. Contact us today to find out more about our cover and how we can help you.
