Whether you have bought your off road kit car as a ‘project’, hobby or simply for the fun of driving it through some mud, you’re going to have some very clear ideas on how you can personalise that car making it completely unique whilst ticking every box for you.
Before insuring the vehicle, you need to be clear on what you are going to use the car for as not all insurers will necessarily provide suitable cover whilst it is being driven say off-road.
So, before making that call to insurers:-
• Get it valued by a specialist – many insurers pay the ‘market value’ only if you suffered a total loss. Kit cars are notoriously difficult to value and often undervalued by non-specialists. You don’t want to get a nasty surprise if you need to make a claim.
• Goods In Transit cover – do you need to insure the parts etc. whilst on route to you?
• Build Up Cover – so your kit car and its parts are fully protected from theft or mishap during assembly.
• Limited Mileage discounts – the fewer miles you drive, the more you can save, from as little as 1,500 miles.
• Use of vehicle - Track Day / Rally cover can be arranged on some policies so make sure your policy does/can be extended to cover attendance or participation if you think you may use it for that purpose at some stage during the period of insurance.
• Owner’s Club Discounts – If you belong to a recognised owners club or enthusiasts’ forum, you could receive a discount of up to 15%, depending on the policy taken.
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