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

When looking for classic car insurance, it’s only natural that price be your top priority right away. After all, why wouldn’t you choose the cheapest policy available?

However, contrary to popular belief, the cheapest policies are not always the best value for money. Sometimes, by paying a little more, you can benefit from additional layers of coverage and a policy that is exactly tailored to 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 coverage?

There are three types of classic car insurance coverage:

  • Third
  • Third, fire and theft
  • Comprehensive

Third

The third is the most basic level of coverage and gives you very easy protection in the event of an accident. With third party insurance, if you are involved in an accident, third parties are covered but your own vehicle is not.

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

Third, fire and theft

This is the core level of all three types of classic car insurance. With this level of coverage, other parts are covered in the event of an accident, and your car is covered if it is stolen or damaged by a fire.

Comprehensive

As you may have guessed, this is the most extensive level of coverage available. With a comprehensive policy, your classic car will be covered in case of an accident, third parties will be covered, you will be covered in case of problems like fire and theft, and in case 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 consider.

For example, it is wise to consider how much excess you are likely to face should 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 have an accident during your trip, you will have a specific level of coverage.

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

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

  • Breakdown and recovery from accidents in the UK and Europe
  • Salvage retention rights
  • Up to 15% discount for club members.
  • European coverage for up to 90 days
  • Legal expenses of up to £ 100,000 cover if you are involved in an accident that is not your fault
  • Choose your own specialized repairman

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