Your essential ClassicLine guide to getting ready for a quick and easy quote on your classic car insurance
We all like to save money, especially on our classic and cherished car insurance. So, here are our handy tips to prepare yourself, and to get the best possible premium with least amount of hassle.
Please be aware that it is the policyholders duty to make sure all the information given to your chosen insurance provider is accurate and up to date. Failure to do this could result in you experiencing all types of difficulty getting your car covered correctly, or having a policy cancelled or voided.
All about you
Do I need to tell my classic car insurer if I have had an accident in my daily car?
Yes, you will need to inform them of all incidents with the past 5 years, regardless of whether it was in your daily car, company car, works van or motorbike. The question you will be asked is, “have you been involved in any accident claim or incident in/on any motor vehicle with the past 5 years”. It is also essential that you have the correct date of any incidents you have been involved with. Even if the incident was not your fault or a claim that was withdrawn due to the incident not being worth claiming for. Most insurers share information with each other – if you fail to advise an insurer of an incident that has occurred, and it has been discovered that you have not informed them of this incident, as a policyholder you can experience a number of repercussions.
Do I need to tell my insurance company about an old accident that wasn’t my fault?
Yes, as mentioned, you will need to tell your insurer of all incidents within the past 5 years.
Do I need to tell my insurer if I have had a policy voided, cancelled, a claim refused or terms applied?
Yes, this is very important. If you fail to advise an insurer of a cancelled or a voided policy, or if you have had a claim refused or terms applied, you can experience several repercussions.
Do I need to tell my insurer of any speeding convictions?
Yes, you will need to inform the provider of all motoring convictions as per their question set.
Should I mention I am a member of a car club?
Yes, definitely advise if you are a member of a car club! This can help reduce your premium.
I have a pre-existing medical condition, should I mention these to my insurer?
These will have to be disclosed to your insurance provider.
I have changed jobs recently; do I need to notify my insurer?
If anything changes during the duration of your policy, you must communicate with your provider and update them of any changes.
If I tell my insurer that my American Car is stored in a garage, but really, it’s kept out on the road, what could happen?
If it is discovered that you have misled the insurance provider in any way you, may find that the policy could be cancelled, avoided or additional terms applied.
We say, be truthful about how the car is used, including where you live, where the car is registered and where its stored.
All about your car
If I have done an engine conversion, do I need to tell my insurer?
Absolutely, if the car has been altered since it was manufactured, it is essential you advise the insurance provider of any changes made.
If I have changed the wheels on my car, do I need to tell my insurer?
Yes, again if the car has been altered since it was manufactured, it is essential you advise the insurance provider of any changes made.
Its worth noting here, that if you decided to make any other changes to your vehicle, just let us know. We love looking after modified vehicle and want to make sure you are correctly covered.
Do I need to tell my insurer if I have fitted an aftermarket alarm or immobiliser?
Yes, this is worthwhile as they can lower the premium on certain vehicles.
Do I need to tell my insurer if my car if I have declared MoT exemption on my classic car?
No, it is the policyholder’s responsibility to make sure the vehicle complies to any road traffic laws.
Do I need to tell my insurer if my classic car is now SORN?
No, as above, it is the policyholder’s responsibility to make sure the vehicle complies to any road traffic laws. However, you may wish to switch to a Laid Up Policy if your car is going through restoration.
Does my annual mileage make much difference to my insurance premium?
Yes, usually the lower the mileage your car covers annually, the lower the premium can be. However, for some car clubs, unlimited mileage is important, which is good as we have the flexibility to offer both.
So, as you will see, being upfront and honest is the best way, especially when you are insuring your much-loved pride and joy. Being dishonest or withholding information is simply not worth the risk. If you’re still unsure, think of it like this – ‘was your policy based around this factor’? The team at ClassicLine will find the best policy suited to you and your vehicle, and with the correct information, we can do this at the best price.
We hope you have found this helpful. The ClassicLine team are only a quick call away if you have any further questions or would like to update us of any changes to your circumstances or vehicle, just call us on 01455 639 000.