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Policy vs price – how to choose the best classic car insurance for you

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When looking for classic car insurance, it’s only natural to immediately make price your main priority. After all, why wouldn’t you choose the cheapest policy available? 

However, contrary to popular belief, the cheapest policies aren’t always the best value for money. Sometimes, by paying a little extra, you can benefit from added layers of cover and a policy that’s tailored exactly to suit your needs.

Let’s take a look at the most important factors when choosing an insurance policy.

What are the different types of classic car insurance cover? 

There are three types of classic car insurance cover:

  • Third party
  • Third party, fire and theft
  • Comprehensive

Third party 

Third party is the most basic level of cover and gives you very straightforward protection in the event of an accident. With third party insurance, if you’re involved in an accident, third parties are covered but your own vehicle is not.

Although third party insurance is the most basic option, it’s often not the cheapest. 

Third party, fire and theft

This is the central tier of the three types of classic car insurance. With this level of cover, other parties are covered in the event of an accident, and your car is covered if stolen or damaged by fire.

Comprehensive

As you might have guessed, this is the most extensive level of cover available. With a comprehensive policy your classic car will be covered in the event of an accident, third parties will be covered, you’ll be covered in the event of issues such as fire and theft, and in the event of accidental damage. 

How do I find the right cover for my classic car?

When looking for the most suitable type of classic car insurance, there are a variety of factors to take into account.

For example, it’s wise to consider how much excess you’re likely to face in the event you need to make a claim.

Be sure to research the benefits offered with each policy. Some policies give you the option to travel abroad with your vehicle and if you’re involved in an accident during your trip, you’ll have a specified level of cover. 

What are the benefits of covering your classic car through Carole Nash?

Carole Nash’s policies come with a range of benefits including:

  • UK and European breakdown and accident recovery cover
  • Salvage retention rights
  • Up to 15% discount for club members
  • European Cover for up to 90 days
  • Up to £100,000 legal expenses cover if you’re involved in an accident that’s not your fault
  • Choose your own specialist repairer

Classic Car News, Inside Classics

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