Unless you approach this potential problem from inception, that is the day you take the policy out, if the worst happens and you need to make a claim where your car is written off, you may not get the full market value for your classic. This problem is exacerbated if your particular classic is rare, vintage or a historic collectors car.

On standard car insurance policy on a replacement or like for like basis, the value of the car is often set by the market value of the time, taken from Glasses guide to motor vehicle prices. The amount you will be probably be paid for a write-off will be at the current market value of your car, an annual depreciating price given to all cars and vehicles.

Problems can arise when a classic car has been involved in a total loss accident.

It is highly unlikely that an owner will know the actual value of their classic car at any point in time beyond when the bought it, and this applies equally to an Insurer who has to calculate a price for the risk. The cost of repairs of the classic car affect the premium price. Specialist tools and replacement parts might be required and it important for a prospective purchaser of a classic policy to understand the levels of repair cover offered, and whether you are bound to take your car to an approved repairer in the event of a damage claim

To avoid the above problems that may occur, most specialist car insurers of classic and other collectors vehicles have devised a cover option or policy element called an ‘Agreed Valuation’. The purpose of the Agreed Valuation is to recover the real value in the event of a total loss. In most cases the agreed value of the car is guaranteed for the term of the policy, usually a year.. If the value of your classic car changes significantly at any time during your cover period, you will need to tell your car insurer who will arrange for a revaluation. Often classic car insurance companies offer the valuation service as part of the basic cover and it is included in the cost, others will charge a small fee and offer it as optional cover. Getting a classic car valuation agreed is fairly easy with most classic car insurance companies requiring a set of photographs and accompanying purchase or restoration documentation by post.

All classic cars should be covered under an agreed valuation policy to avoid disputes if a claim is made. Usually an Agreed Valuations Certificate is issued by and often only valid for, the participating insurance company. If you are planning to switch classic car insurance to take advantage of the many offers that are currently available from specialist companies on the Internet where the market is softer and premiums cheaper, be sure to first check that a certificate issued by your previous company is accepted by the new insurer or that the new company offers an agreed valuation service.

It is better to pay more in premiums for a quality claims service than face future disappointment. Ensure you protect yourself with a classic car insurance company which has the experience of dealing with cars like yours, and can offer you a policy where the value of your classic car is guaranteed.

Many drivers are familiar with and indeed have used a price comparison on the Internet before.. Many users have had a bad experience of comparison websites.

Those that did some research before searching for a term such as car insurance on the first device in front of them, will have had good experiences. Successul clients will have narrowed down the options to those websites that specialise in comparing policies for particular types of cars or young driver cover. This is especially true for drivers seeking to find cheap classic car insurance to cover their pride and joy.

Classic car owners should have classic car insurance, if they want to benefit from the classic policy features. These covers are not usually available on a standard policy.

Therefore it is what differentiates a classic insurance policy from standard cover that you need to look at carefully when comparing quotes for classics on comparison sites.

When comparing classic car insurance policies or quotes make sure that you compare the following items which are standard risks for most classic policies.

1) The discounts for limiting your mileage.

2) The rates charged for agreed valuations.

3) Are policy benefits such as Rally Cover are included as standard or charged extra.

4) The amount of discounts for being a classic car club member.

5) The amount of premium discounts for limited period cover.

6) Garaged Car Discounts.

Specialist classic vehicle comparison will still need to collect most of the information that is required by a standard price comparison site, and this will of course determine the levels that you are quoted. You will still need to make comparisons of all the standard covers.

There are now many classic car insurance websites on the Internet. in the UK the largest is Car Insurance.tv lets you compare classic car insurance quotes from over 100 schemes and polices designed for classic cars. It certainly pays to visit a specialist car insurance website when it comes to claims. Under a classic car insurance policy you will benefit from original spare parts and the comfort of knowing that only someone who knows what he is doing fixing your car.

Agreed Valuation Classic Car Insurance is published by Classic Car Insurance Quotes. Compare classic car insurance quotes from over 100 UK suppliers for the cheapest cover.

We’ll also point you in the direction of the best MG classic car insurance schemes that are available online.

Throughout its eighteen year production life the MGB was a lovable sexy looking little roadster, with a low growling engine and a snug cockpit more reminiscent of a world war two fighter.

When first launched in 1962 the two seater MGB looked and felt very modern and went on to epitomise a more middle class view of the ‘swinging sixties’. The car was of course built on solid time honoured MG virtues and class, and for the most part of its construction, adopted from its forerunner, the now much sought after MGA.

Built at Morris Garages in Cowley Oxford, the engineers took the MGA’s B series 1492 cc engine and re-bored it to the much larger 1798 cc, and by fitting it into the same amount of engine space as the MGA raised the output of the MGB to a healthy 94 bhp. This gave the sports car a very lively performance with a top speed of 103 mph. The MGB could do 0 to 60 in 11.4 seconds. The engine had plenty of torque in the higher gears and it was renowned for the cars predictable road-holding, you could throw it around corners without losing control unlike many other sports cars of the time, which made the MGB popular with both young and old alike.

In the summer of 1965 when The Byrds were Number One in the UK Music charts, MG launched the highly desirable and elegant MGB GT fastback coupe.

The stylish lines of the MGB GT were designed by Carrozzeria Pininfarina whose Italian company had also produced designs for Peugeot and Ferrari.

The GT featured a rear hatch door, what could technically be called a 2+2 rear seat, which was so small a dog had difficulty sitting in it, and was often fitted with a leather sunroof. The extra bodyweight meant that the GT’s low end acceleration was not as good as the MGB, however its naturally aerodynamic shape and lines gave it a top speed of 106 mph.

Production of the MGB continued under the auspices of the nationalised BLMC or British Leyland as it was known from 1968, but the MGB received poor investment, despite it being Britain’s top export car to the US market for many a year.

In 1973 after much demand from enthusiasts British Leyland made a sincere attempt to pack the MGB GT with a much more competitive punch and fitted the car with Rover’s 137 bhp 3.5 litre V8 engine!

Suddenly the quaint lady of british motoring could reach a top speed of 125 mph and do 0 to 60 in an impressive 8.4 seconds. In many ways the MGB GT V8 could claim to be Britains first ‘hot hatch’!”

The new alloy engine weighed nearly forty pounds less than the old B series lump and the handling was much improved. Sadly, sales of the car were poor as its heavy fuel consumption did not bode well with the oil crisis and petrol rationing that were occurring when BLMC launched the car.

In 1975 all MGBs were given those rather unsightly black polyurethane bumpers or fenders to be precise. They were actually installed to meet US safety standards. All other changes to the MGB GT were also as a direct result of being so popular an export to the US and included the ride height being raised to meet US headlight standards and a single carburettor and catalytic converter were added to all US models to meet strict emissions standards. This, unfortunately for those driving them in the US, reduced the bhp to just 62 with a maximum top speed of 90 mph.

The final MGB rolled off the production line in 1980 and by then the car had sold over half a million. Throughout that time the second hand market for the MGB and GT was as strong as it is now with very high demand. Buying an MGB today is not beyond the pockets of many and as when new, the classic MGB and the MGB GT still remains affordable and is particularly popular with new collectors of sports cars.

Owning classic used cars can be fun and the MGB and MGB GTs are no exception The car’s servicing can be done at home with a limited tool box, a set of axle stands and a decent jack. The spares situation for all parts for both the MGB and MGB GT is amongst the best for any classic car on the market. in the UK MGB specialist and garages can be found in every region and city. Car Insurance quotes are very fair, especially if you compare classic car insurance quotes, due mainly to the MGB’s limited performance and the very wide availability of spare parts.
If you are a member of the MG Classic Drivers Club or an official MG Dirvers association you can get up to 15% members discount on MG Classic Car Insurance, with other specialist insurance discounts too.

British Classic Cars – MG Sports is published by Classic Car Insurance Quotes. Compare classic car insurance quotes from over 100 UK suppliers for the cheapest cover.

Our classic car insurance comparison system offers not only the the widest range quotes from UK providers and suppliers with over 110 different classic car insurance companies competing for your business, but also provides the widest range of cover for more car makes and marques than other UK comparison systems inculding classic car insurance specialist schemes for:

* Abarth
* AC
* Adler
* AEC
* Aero
* Alfa Romeo
* Allard
* Alvis
* AMC
* American LaFran
* Amilcar
* Any
* Armstrong Sidde
* Aston Martin
* Auburn
* Audi
* Austin
* Austin Healey
* Beauford
* Bedford
* Bentley
* Berkley
* BMW
* Bond
* Borgward
* Bricklin
* Bristol
* BSA
* Bugatti
* Buick
* Cadillac
* Callaway
* Caterham
* Checker
* Chevrolet
* Chevron
* Chrysler
* Citroen
* Commer
* Component Car
* Cooper
* Cord
* Daf
* Daihatsu
* Daimler
* Datsun
* Dax
* De Dion Bouton
* Delage
* Delahaye
* Dellow
* DeLorean
* Dennis
* DeSoto
* DeTomaso
* DKW
* Dodge
* Duesenberg
* Elva
* Essex
* Excalibur
* Facel Vega
* Ferrari
* Fiat
* Ford
* Fraser Nash
* Gaz
* General Motors
* Ginetta
* GoggoMobile
* Gordon Keeble
* Gwynne-Albert
* Healey
* Hillman
* Honda
* Horch
* Hotchkiss
* HRG
* Hudson
* Humber
* Hummer
* Hupmobile
* HWM
* Hyundai
* International H
* Invicta
* Iso
* Isotta Fraschin
* Isuzu
* Jaguar
* JBA
* Jeep
* Jensen
* Jowett
* Kit Car
* Lada
* Lagonda
* Lamborghini
* Lanchester
* Lancia
* Land Rover
* Lea Francis
* Lexus
* Leyland
* Lincoln
* Lloyd
* Lotus
* Marcos
* Maserati
* Matra
* Mazda
* Mercedes
* Mercury
* Messerschmit
* Metz
* MG
* Mini
* Mitsubishi
* Morgan
* Morris
* Moskvich
* Mosler
* Motorcycles
* Nash
* Nissan
* Noble
* none
* NSU
* Oakland
* Oldsmobile
* Opel
* Overland
* Packard
* Paige
* Panhard
* Panther
* Peugeot
* Plymouth
* Pontiac
* Porsche
* Railton
* Raleigh
* Rambler
* Reliant
* Renault
* Riley
* Rochet-Schneide
* Rolls Royce
* Rosengart
* Rover
* Saab
* Sabra
* Salmson
* Scimitar
* Seat
* Simca
* Singer
* Skoda
* Smart
* Standard
* Stanley Steamer
* Star
* Studebaker
* Stutz
* Subaru
* Sunbeam
* Suzuki
* Swift
* Talbot
* Tatra
* Tatra
* Tiger
* Toyota
* Triumph
* TVR
* Ultima
* Vanden Plas
* Vauxhall
* Velorex
* Volga
* Volkswagen
* Volvo
* Westfield
* Whippet
* Willys
* Willys Knight-C
* Wolseley
* Zastava
* Zil
* Zimmer

Get instant quotes for your classic car insurance from the majority of providers in the UK classic car insurance market on one simple form!

Covers include: Limited Mileage policies, Club Member Discounts, Underwriter agreed valuations and rally cover as standard and many more benefits exclusive to Classic Car Insurance Quotes.

Classic Car Insurance Cover For All Makes is published by Classic Car Insurance Quotes. Compare classic car insurance quotes from over 100 UK suppliers for the cheapest cover.

Your Lifestyle and Classic Car Insurance eligiblity
When you apply online for classic car insurance you will be asked many questions about your lifestyle in order to get a quote.
All classic car insurance policies differ from the standard cover in is much as they allow a lot of discounts and additional risks that are dependent upon the way you live.
If you change your lifestyle you will be eligible to apply for all sorts of non standard classic car insurance that is tailored to a particular genre or lifestyle group or club.
The lifestyle factor is more predominant in the calculation and issuing of policies for classic cars than in any other form of specialist motor underwriting.

Classic car insurance policies are now based primarily upon usage limits and consequently tend to reflect the fact that classic cars are used differently than a normal everyday car, although the types of use social, domestic, pleasure, business and commuting, or for hire and racing, will still apply. Many a beloved classic motor will stay under wraps in the garage for many a month and is only brought out and paraded for special occasions and events. This type of limited mileage or laid up cover is available from all our competing classic car insurance companies.

The range, length and risk of these events will undoubtedly determine the level of price for a classic car policy. Such events can be as innocuous as local classic car club meetings at predetermined destinations, fun runs, treasure hunts, vintage runs, air shows and displays, national classic rallies, film shoots, motor shows, trade shows or as extreme and heavy premium carrying as classic car racing or hill climbing. cover for these events is included as part of the basic classic policy or is available as an optional addon depending upon the underwriters.

Our underwriters appreciate that you may need a more tailored and flexible type of car insurance for a classic car, one that allows you to fit the policy around what is effectively your lifestyle individual risk.

Your risk levels are calculated upon the way you use the classic car and the number of miles distance you cover in that car each year. These rating factors are adapted to play a much larger role in the calculation of a classic car insurance premium than the traditional factors that weigh heavily in standard car insurance premium calculation, such as Age or Gender.
Some insurance companies will not cover drivers under 23 however there are many on our comparison systen that specifically offer young driver classic car insurance.

Price has tended in the past not to be a large driver in the classic car insurance market, where quality of cover for cherished vehicles has always been seen as the primary marketing message.

Underwriters have appreciated that the classic car is quite often considered as a ‘baby’ within the family unit and may in the past have taken advantage of the irrationality when considering price. However the introduction of classic car insurance comparison websites such as ourselves on the Internet means that premium levels can no longer be ignored and that customers now rightly demand service and cover for their specialist car insurance lifestyle differences, at the right price.

We offer tailored online classic car insurance cover for even the most obscure car marque and the introduction of online underwriting has introduced a welcome level of competition into what had become a stagnant market before the Internet.

Get cheaper classic car insurance quotes from over 110 classic car insurance brokers and companies and enjoy group and affinity market buying power with low premium prices.

Classic Car Insurance Eligiblity is published by Classic Car Insurance Quotes. Compare classic car insurance quotes from over 100 UK suppliers for the cheapest cover.