Kit Car Insurance

A kit car typically consists of car components that you purchase, often a replica of popular car, which you then use to put a running vehicle together; the manufacturer of the kit car usually only offers the body and frame, and therefore this leaves you with the engine, transmission and other parts such as wheels to complete the car.

When applying for kit car insurance, it’s vital to ensure you are honest, most importantly – declare everything, because if you miss anything, when it comes to claiming the insurer will not pay your claim.

Generally if your engine is smaller your kit car insurance premiums will be less, and do shop around as there are plenty of specialist insurers who realise that just because a car is non standard, it doesn’t mean that the vehicle or its driver are more of a liability. You can go a long way towards achieving low cost kit car insurance by sticking to just one named driver, garaging the car overnight, fitting security devices, and by building up a no claims discount.

In an ideal world you would ask your insurer how a modification might affect your premiums before you fit it, and consider that even modifications to the body alone, such as a rear spoiler, can be classed as ‘kit’ and effect your premium.