A special car deserves a dedicated car insurance policy that is tailor-made to the customer's precise needs. In the UK, companies offer specialist car insurance policies, which are exclusively planned to cater to all makes of classic cars, including the Austin Healey, Aston Martin, Jaguar and Jenson. Depending on the make of the car, one may select a suitable insurance policy.

Finding reasonably priced classic car insurance in the UK may often be a difficult task. This is attributed to the fact that many key insurance companies do not provide competitive classic car insurance quotes for a valued vehicle. Irrespective of the purpose of the car, whether for daily commuting, for display at car shows, rallies, track days or club proceedings, the owner needs to appoint a specialist source that recognizes the car’s unique requirements.

The foremost difference between a classic car insurance policy and a regular UK car insurance policy lies in the fact that a classic vehicle is insured for its accurate value rather than its market assessment. This is important because in contrast to market value, the actual value of a classic vehicle does not depreciate year after year.

Usually an evaluation is carried out and both parties agree on the actual value of the car. The policy is written to cover that value. This evaluation is completed before a specialized insurance policy can commence. One may also insure a classic car for third party only, including third party fire and theft or full comprehensive cover.

Classic car policies typically contain the complete range of benefits that one may expect from any normal car insurance policy. These include immobilizer concession, good driver reduction, restricted mileage discount, windscreen protection and individual accident cover. However, all policies do differ on certain aspects.

Through a careful evaluation of available policies, one may zero down to a couple of insurers that offer a package matching with car’s specific insurance requirements. A dialogue with the companies’ representatives focusing on negotiation of terms will help in selecting the best out of the short listed companies.