If you've just bought your first classic car you will need to consider not just where, but also how you are going to insure it. If you are new to classic cars you will probably not even be aware that specialist car insurance policies for classics exist, which are peculiarly different from standard car insurance policy covers as offered by those seen on TV.
As a classic car owner it matters not if you drive a perfect condition Ford Capri 3 litre from 1970, a beat up old Morris Minor from the Sixties or a sleek E-type Jaguar in British racing green, it is essential that you find the best classic car insurance cover for your cherished motor, that covers your individual risks at prices that won't break the bank!
If you have not owned a classic car before it is important to realise that there are basic differences between what is known as a standard car insurance policy and the cover offered under one defined as classic, from a specialist car insurer.
The first thing to establish is whether your car is eligible for cover under a classic policy. One way you could do this is ask the previous owner whether it was covered under a classic car insurance policy and with which insurance company.
Different car insurance companies have different definitions of the age and type of vehicles that can be covered under this type of cover.
What might be easily covered with one provider may be excluded by another. Fortunately most online classic car cover providers provide this information on the first page of their websites, so it is fairly easy to surf around and check your eligibility with different insurance companies.
You should check that both the eligibility of the age of the car in question and also whether there are policy restrictions for your individual driving circumstances, such as your age that would prevent you from applying for cover.
The major variation between a standard policy and those offered by the classic car specialists is in the way that you use your classic vehicle, and in particular, how much you drive it. The large mainstream insurers and price comparison sites will offer cover for older cars but will charge an additional premium because of its age. They will also load the premium if replacement parts for the vehicle type are known to be expensive.
More importantly you will only be offered the current market value replacement if the car is covered under a mainstream policy and is deemed to be a write-off when you claim.
With a standard car insurance policy on a replacement like for like basis, the value of the car is often set by the market value at the time of a claim, typically taken from one of the car price magazines such as the UK's Glasses Guide. The amount you will be probably receive for a write-off will be at the current market value of your car which is an annual depreciating amount. Inevitably, if you own a classic car and insure it under a standard policy contract, this leads to under valuation and under insurance of the true value of the car. You will also probably not be offered the salvage and a repairable classic car may often be deemed a write-off because the cost of repair is uneconomic to the Insurer.
If you purchase a specialist classic car insurance policy you will be offered a choice of either an agreed valuation of the classic cars worth or a policy based on market value.
An agreed valuation amount is the amount that the insurance company will pay out in the event of a claim that results in a write off. This is a major benefit of insuring classics under specialist policies because it ensures that you are not just properly covered but will also receive the specialist repair services that your classic will require should you claim. It should be noted that even agreed valuation polices can change and you should ensure that the value is guaranteed for a certain period of time to avoid fluctuations in market values.
Classic Car insurance polices are therefore tailored to the needs of cars considered to be collectable and effectively the valuation is a rating factor for the condition of the car.
The other major difference between standard and classic policies is in the way that you are allowed to use your car under the terms of the agreement. Originally this type of vehicle insurance was designed for drivers who do not use their classic cars much.
All classic car policies have a limited mileage clause which only covers the vehicle for an agreed amount of miles per year. Depending upon which specialist car insurance company you use, there will be a limit to how far you can drive your classic. Some providers will only cover a couple of thousand miles per year under the policy, but many specialist providers are now offering cover up to ten thousand miles per year. These policies reflect the fact that many drivers now use modern day classic cars as their main form of transport.
As with all car insurance it is important to compare both covers and prices when shopping around. There are many specialist classic insurance providers available online today and many specialist schemes that are targeted at particular classic owners. Compare the premiums offered by these with those from the price comparison sites, but if you want to avoid disappointment if you need to make a claim, be sure to understand the difference in policy covers.
The Internet has made it very easy to Compare Car Insurance that was previously only available from specialist car insurance brokers on the high street. You can find those offering special deals and bespoke schemes for your particular classic by searching for schemes to compare for your particular model or vehicle type classic car insurance.
Classic Car Insurance - A 20p Tyre Check could save £££’s
20p Tyre Check could save £££’s by Kris Oldland
A recent survey by classic car specialist dealership Motorpoint has revealed that the majority of classic car owners feel that they are footing the bill for those who refuse to get insurance. Over 80 percent of the recipients confirmed that they believe those caught without adequate specialist classic car insurance cover should have their vehicles destroyed.
This rather satisfactory solution (considering the additional cost these cheats have added to your latest premium,) could soon become a reality as Paul Clark, road safety minister, included this suggestion in proposals he outlined recently.
It comes as part of the new government plans to further enforce the compulsory insurance of all motor cars within the UK. New measures mean that any owner of a vehicle which is taken onto a public road and caught without insurance will at the very least face fines and should they persist in breaking the law their vehicle could well be impounded and destroyed.
In response to the survey results David Shelton, Managing director of Motorpoint commented: "It is clear from our poll that the vast majority of people want something to be done to stop them having to foot the bill for uninsured drivers."
In other news Which? Car has recently recommended that taking the time to refresh your classic car safety knowledge is a vital way of staying safe, as well as avoiding avoid unnecessary insurance claims – adding that at this time of year ensuring the grip on your tires meets the necessary standards is a good starting point.
According to industry experts TyreSafe, as the weather starts to get wetter and the chances of losing traction and skidding increase, a particularly important test to ascertain the safety of your tyres is to insert a 20p piece into the main grooves of your tyres. If you are unable to see the outer band of the coin the tread is sufficient. If the outer band is visible then it is high time you replaced these often overlooked, yet crucial elements of your car.
Chairman of TyreSafe, Stuart Jackson also added : "Tyres are the only part of the vehicle in contact with the road surface so it is essential that they are in a condition that allows them to perform properly."
Meanwhile, the IAM, (Institute of Advanced Motorists) has highlighted the importance of ensuring that head restraints are correctly fitted - particularly within a classic car. An insurance claim could be the least of a drivers concerns if they are involved in an accident during which their head restraint wasn’t fitted correctly.
Figures released by road safety company Brake earlier this year show that when fitted properly this often overlooked safety device can reduce the chance of whiplash by nearly 24 percent. Alarmingly though this same study showed that nearly three quarters of drivers surveyed had no idea how to adjust the head rests themselves.
Brake''s Fleet Safety Forum has recently launched the Move Up campaign to try and encourage more employers to ensure their workers know what they can do to avoid whiplash injuries.
One of the easiest ways to ensure you have the correct classic car insurance cover is to find a scheme suitable for your particlar model. It's easiest to use a specialist product and price comparison website to compare classic car insurance such as that provided by Car Insurance TV
With the rise in the number of customised and modified vehicles on the UK roads a whole new division of car and specialist motor insurance is rapidly growing to fill the cover needs of hot hatch owners and modified cars. You will be surprised but the majority of these cars are not owned by boy racers - more like middle aged life crisis racers! Today we look at the UK market for modified car insurance....
Owners of modified cars by their very nature appreciate personalisation and providers of modified car insurance realise this. It is surprising how few of these owners have omitted to plan for the additional insurance cost when first contemplating making modifications to the car, showing what is quite often meticulous interest in the detail that the majority of us would overlook when thinking about how to cover our car.
Car Insurers have therefore had to be equally ingenious in their underwriting methods to be flexible enough in modifying their rating structures to accommodate the varying needs of modified car insurance.
It is one area of the specialist car insurance sector which is constantly evolving. Whilst classic car insurance gets larger in its risk pool as each year more cars join the classification, modifications could today mean a thousand more different things than it did even ten years ago with the advance of technology and the use of components that didn't exist before.
Modified vehicle insurance has had to be able to adapt to the ever increasing demands of twenty first century living.
Out of this need for flexibility while retaining competitive prices have arisen many modified specialist car insurers who actively seek out the hot hatch or boy-racer type risk that the main stream car insurance supermarkets would turn away as soon as they had discovered either the prospects car model, age or modification requirements.
Modified car owners are also by nature not as risk averse as the standard saloon driver with 2.4 children. Car Insurance has had to adapt to allow policy level underwriting for modified owners as individuals, to set their preferred levels of cover, rather than standard rating which takes an en mass approach. Insurance companies have had to realise that if they want the specialist car insurance market business, that they must take into consideration that as modified vehicle owners take pride in their vehicle and maintain their cars to the highest standards, they would expect nothing less from an insurance policy.
There are now many online modified car insurance specialists who offer instant cover online for straight forward modifications such as alloy wheels and in-car hi-fi or security devices. Some of the better ones can even cover you for certain engine and power modifications online. All of them should have a helpline where if you get stuck and cannot continue with an online quote, you should be able to talk to an expert who will help you with your specific modifications and insurance enquiry. Remember to keep the quote reference number if telephoning a company or broker to discuss your modifications. This will save a lot of time repeating what you have already told them about yourself and your car.
You can compare quotes for modified car insurance from the UK's largest online specialist car insurance comparison providers Insuretec & Lancaster Insurance. If you get stuck at any point in the quote process they have very friendly staff who will talk through the pricing of your cars modifications.
Consider Repairers When Getting a Classic Car Insurance Quote Online
Dave Healey of our resident classic car insurance specialists panel has warned of the dangers of getting a classic car insurance quote online without taking into account who might be repairing your classic car if you have an accident or claim. Dave points out that not all car insurance companies are the same and you pay for what you get!
Does Your Car Require Specialist Car Insurance and Repair Services? By Classic Car Insurance specialist Dave Healey
When choosing a car insurance policy it is wise to consider what is offered in the event of a claim. After all, you are only insuring the car to have the potential to make a claim and the cover is only as good as the insuring company's claims department.
Although price is most peoples consideration when purchasing car insurance, one of things you should not overlook is who is going to repair your car if it is damaged? Do you own a non-standard car? Surprisingly a large number of vehicles fall into categories that the majority of mainstream insurance companies do not want to cover!
Such examples that may struggle to obtain motor insurance at reasonable rates are owners of performance,prestige, expensive, luxury, foreign, sports, convertibles, modified, veteran, collectors and classic cars. More importantly if you are the owner, if something happens and you need to make a claim on your policy, it is important that your car gets fixed by specialist professionals, using the correct parts. More often than not these type of car repairs require unique tools that are only available through specialist engineers and motor repair shops.
So it is most important when comparing car insurance to also compare the services that a car insurer offers in the event of a claim, especially those regarding choice of repairer.
All specialist car insurers and many insurance companies will offer a choice of repairer - many others will not as they have existing arrangements with so called approved repairers.
Trouble arises when an insurance company insists on employing a particular firm to fix the car against the policyholder's wishes, and it is not uncommon for major disputes to arise at this point.
For example, the insured may have an expensive Italian sports car bought from an exclusive importer and specialist firm of dealers who added a number of accessories and or modifications to the car at the insured's request at the time of sale; the same firm may have performed all the routine servicing since the sale and the insured may genuinely feel that they 'know' his car better than anyone else could, and that only they, in consequence, should be entrusted to carry out the repairs.
If the repair work quoted in an estimate by the specialist firm is substantially higher than that expected from the approved repairer and the car insurance claims department consider that the approved repairers are capable of carrying out the work to the same standard as the specialists , then the only way out of this impasse is usually for the insurance company to suggest that the insured pays the difference!
Clearly then it is very important to understand what you are buying with your policy when it comes to claims and repairs. Specialist car insurance policies always offer unique claims repair services and if you own an unusual, expensive, classic car or performance motor, then it would be sensible to opt for a policy that includes these repair services to avoid the above situations. What might look like a cheap policy might turn into fools gold in the event of a claim!
According to our friends over at specialist car insurance comparison website Car-Insurance.tv, there has been a large surge in demand for insurance of classic cars and requests for high performance car insurance. The statistics appear to show people are moving away from the stock market and buying tangible goods that should appreciate over time. Similar surges in high net worth physical investments have been noticed by antique insurance underwriters
A surge in the number of enquires for both specialist high performance car insurance and classic car insurance cover has been steadily increasing since Mid November last year around the time of the banking crisis and subsequent stock market crash. It appears that many speculators are using luxury and classic cars in particular as investment vehicles.
Thinking of renewing your car insurance policy - read this first!
With the exception of the fairly new practice of issuing pay as you go car insurance policies, when you purchase car insurance you are entering into, and bound by the conditions of, a fixed term contract with the car insurance company. In the vast majority of cases this fixed term is for exactly one year since the date of the policy's inception or beginning.
As you near the end of the period of cover, your insurance company will invite or tender you to renew the contract. These days the systems employed by large car insurance companies will trigger the renewal procedure which initially means the production and posting of a set of renewal documents to the policyholder. This is usually timed so that the invite to renew pack is produced automatically around fifteen days prior to the termination of the existing car insurance contract, giving the prospective renewal policyholder time to correspond with the car insurance company and inform them of any changes that may have occurred during the term of the contract which are not reflected in the renewal documents.
If you intend to renew with the same cheap car insurance company you are legally bound to inform this company of any alterations to the statement of fact that you originally made when you first took out the policy. Likewise you may wish to add or remove elements of cover from the current status of the car insurance policy, as your requirements may well have changed over the previous year.
Because of the compulsory nature of third party car insurance, no 'days of grace' are allowed after the renewal date of the policy. This can cause problems for car insurance companies as for practical purposes renewal documents and certificates have to be produced and dispatched to the prospective renewal policyholder in advance, which will become operative from the first day of the new period of insurance.
The renewal certificate, required by law to tax a motor vehicle, in theory cannot be issued until the renewal premium is paid. If payment was received subsequent to the expiry date of the existing car insurance policy, then the certificate would have to be re-written with the operative time and date matched to the time of payment. This could cause a major problem for the car insurance companies, as to issue an unaltered certificate would be equivalent to ante-dating it, which is a criminal offence, whilst re-writing the renewal documents would result in additional costs and expenditure to the car insurer, and more importantly would leave gaps in cover for the policyholder, which would leave a driver exposed to risks and legal action for driving without car insurance.
In order to overcome these practical difficulties of renewals, car insurers have developed a practice of incorporating into the renewal documents a certificate of insurance that is valid for an extended period of seven to fifteen days. This benefits both the prospective renewal and the insurance company by extending the period during which the insured has time to pay the renewal premium, yet still receive a certificate dated from the first day of the new contract period.
Car Insurers are particularly sensitive to what is known as the 'renewal retention ratio' , the number of renewals expressed as a percentage of the previous years total policies issued, especially since the introduction of online car insurance underwriting which has enabled a prospective renewal to shop around much easier and perhaps to change supplier.
The issue of this temporary certificate of cover in effect and contract law, constitutes an offer by the car insurance company, which the insured must either accept expressly, by paying the renewal premium, or by implication by doing nothing and having the premium taken from the payment source of the previous year's policy.
If however the prospective renewal obtains car insurance cover elsewhere or by some action, such as a telephone call, implies that he does not intend to renew and thereby not accept the offer, then this temporary cover would be deemed invalid. If a policyholder does not for some reason receive the renewal quote and certificate, or was unaware of the wording of the renewal notice, he cannot accept an offer and is therefore entitled to a full refund if the money has been debited from his account.
With the vast amount of choice available with online car insurance today, ranging from specialist car insurance schemes targeted at a particular group to the aggregator comparison websites, huge savings can be made by a policyholder at renewal if they are prepared to shop around for equivalent cover. It may not be in the best interests of a policyholder to blindly accept an offer to renew a car insurance contract without recourse to other offerings in the market which may be more suitable for their particular circumstances. Car Insurance rates vary immensely and it is not unheard of for companies to match or better a renewal offer from a competitor if you pick up the phone and give them a ring.
You may be tempted in the current economic climate to cut corners and take risks that maybe you normally wouldn't.
This article by specialist car insurance expert Dave Healey explains why you should always think about the consequences of your actions:
Car Insurance - Lending Your Car Could Land You in Jail By Dave Healey
How many times have you said to the wife, children or a friend 'take my car' and not thought any more of it? Even if it's just a short trip down the road to the shops, you and the person you lend your car to, may be breaking the law! Furthermore if the person you lend the car to, in turn lends the car to another, you will be held liable for any damages caused by the other party, whether you were aware of their use or not.
If you own a car and decide to lend it to another person, it is your responsibility to check that the person you lend it to have adequate car insurance and that their cover extends to driving other vehicles. If you fail to make reasonable checks to verify these details you could be liable for subsequent damage that the person you lent it to causes, and indeed, you may find yourself on the end of a police prosecution for allowing an uninsured driver to use a motor vehicle contrary of section 143 of the Road Traffic Act. It is also you responsibility to ensure that the person you lend it to does not permit others to drive it.
In the United Kingdom, this principle was first established in UK law back in 1934 in the case of Monk v Warbey and Others. Mr Warbey owned a car which was insured to permit driving by himself and other members of his family. He lent it to his friend Mr Knowles who in turn lent it to a Mr May to drive. At some time during use of the car Mr May was involved in an accident for which he was deemed responsible, with a car driven by Mr Monk. Neither May nor Mr Knowles had insurance for third party risks and neither had the means or funds to satisfy the judgement in court against them. It was held that Mr Warbey had originally committed a breach of duty of sub section 1 of section 143 of the Road Traffic Act, by parting with the control of the car to a person who was not insured, and he was therefore held liable for all damages and costs.
It was found in court that Mr Warbey had been informed prior to parting with the Vehicle that neither Mr Knowles nor Mr May had adequate car insurance covering third party risks and had taken no steps to remedy this. Counsel for Warbey argued that the car accident involving May was too far removed from Warbey's breach of the statute to make Warbey liable for damages to the third party. The Judge disagreed and Warbey was found liable, and the principle enacted by this case remains in UK law to the current day. Up until this point in time the Act did not extend liability to users of cars to third parties, beyond the requirements of common law, but the decision in this particular case imposes upon the owner of a car, whether they have car insurance or not, an additional duty to injured third parties and enables any third party to recover damages from the car owner who permits his car to be used in such a way, knowingly or not.
The only exception to this rule is in the case of employees using a car owned by their employer, where the person driving the car had reasonable grounds to believe that insurance was in force when the used the car.
It would therefore be very prudent if you checked the levels of cover of your own car insurance policy before agreeing to the use of your vehicle by another, and indeed certify that they are covered by either your own or their current car insurance. Failure to do so could land you in the courts!
Dave Healey is a specialist motor underwiter who has been underwriting car insurance policies and in particular classic car insurance polices at Lloyds for over thirty years
People looking for cheaper car insurance can save a considerable amount of time and money by getting cover from a scheme designed for their particular personal insurance needs or type of car. Car insurance schemes offer bespoke policies tailored to an individuals needs and are cheaper due to the power of bulk buying and economies of scale. These overhead savings are passed onto the customers of http://www.car-insurance.tv in the form of cheaper premiums. (PRWeb Mar 13, 2009)
Chief Portuguese winking whinger Christiano Ronaldo is currently leading the field for the most expensive car insurance claim in 2009, having trashed his Ferrari in a Manchester underpass last week. Lancaster Insurance offer Specialist Ferrari car insurance for both new cars and classic Ferraris online.
Here's a film of the red mess - lets hope poor Ronaldo had comprehensive car insurance cover!
Car Insurance - How You affect the premium charged!
We get many questions along the lines of 'Why is my car insurance premium so high?' and 'How do I cut the costs of my car insurance?', so we thought we'd take some time to explain how the price you pay is calculated.
Car Insurance premiums are made up of three elements. The rate, the commission and the profit.
When you apply online for a car insurance quote the answers you give to the questions will decide how the rate is built up, and consequently how much your premium will be. Car Insurance online forms will ask you about the risk - the risk is You and the Car you drive!
Although the car you drive will determeine the price you pay, it is information about you the driver which will determine the main part of the premium cost. It is you that are being insured primarily and it is you that is the risk being taken on.
The two most important rating factors that are related to you as an individual are where you live and your age. Like it or not where you live, your geography, is the most important factor and Car Insurance is a postcode lottery built up from system postcode tables with different rates for every postcode sector in the UK. If you live in an area where car theft is high or perceived to be high by the underwiters then you will pay through the nose for it. This is particularly true for most inner city locations throughout the UK. Short of moving there is little you can do to cut your premium costs, although many companies will offer discounts if you take additional security measures such as fitting an alarm or parking your car securely off-road or in a garage.
Your age is as equally important in deciding the premium base rate. Young drivers under 25 are penalised because of their age and their driving experience. They are far more likely to be involved in minor and major accidents and losses than an older experienced driver. Similary companies are prepared to offer reduced rates for older drivers specifically to attract this type of business. Your sex or gender is equally important. Insurance companies employ specialists to calculate the rates called actuaries. These actuaries look at long term trends and claims and if you are Male and under 25 you are going to get your premium loaded as the highest risk.
So if you cannot change where you live, your age or your gender how can you reduce the premiums? The easiest solution is to shop around which might take a bit of time or effort but could pay large dividends if you fit into any of the above brackets. Many smaller insurers have policies tailored towards the awkward end of the market where the risk pool is larger and can afford to discount rates to attract business. Don't waste your time on the insurance aggregator sites as these carry large commisssions and are only geared to those risks seen as standard by the insurers. Try to visit some specialist car insurers who will understand your problems and may have montly payment methods. Alternatively take some time to speak to a car insurance broker who will be able to suggest options and be aware of the latest products on offer.
Classic Car Insurance - Are you sure you are covered?
Do you think that if the worst happens you will get the full market value for your classic motor under your current car insurance policy? What if market prices fluctuate as in the current economic crisis? Are you worried that if the worst happens your cherished classic car will not be covered? You should be! However most of this angst can easily be avoided if you take out an additional cover called a 'Guaranteed Agreed Valuation'. All reputable Classic Car Insurance Companies will allow this option and for a small extra sum can lead to some peaceful nights.
The main purpose of the Guaranteed Agreed Valuation cover is that in the event of a total loss claim where the classic car is written off, the insurance company or underwriters will guarantee to pay the policy holder the full certified value of the classic car less the policy excess if any is applicable. Normally, all Guaranteed Agreed Valuations are subject to a valid valuation certificate having been issued by the participating insurance company. If you are planning to switch insurer to take advantage of the many offers that are currently available from specialist car insurance companies, particularly on the Internet where the market is softer, be sure to check that a certificate issued by one Valuer is recognized by the new insurer. To avoid doubt, the old insurance GAV value should be used as the Sum Insured value for the new classic car insurance declaration. You may well be asked if you wish to pay a small fee for a new GAV, in which case, this will be necessary to protect your desired value with the new company. Once the guaranteed agreed valuation has been purchased, an application form will be enclosed with the insurance documentation which should be completed and returned by yourself to the particular insurance company valuations department.
Most classic car insurance companies require six current photographs of the insured vehicle, preferably taken within the last couple of months. These should consist of four exterior body exposures from all side angles, one of the interior engine bay and one of the vehicle interior. You should check with the company which format is acceptable for them. Most of the better companies accept 35mm prints; Polaroids, jpegs, gifs etc. and scanned images sent via email. Photocopies are not normally acceptable and usually all photos must be in colour. Where appropriate you may wish to submit bills for any substantial works carried out to the vehicle to support your application for the valuation. These should only be relevant to works carried out to the classic car within the previous three years. Photocopies are acceptable provided the originals would be available in the event of a claim. Once the completed application form and photographs are received by the Insurance Company valuers, the expert valuers will set a guaranteed value of the vehicle. You will then be sent a certificate which states the guaranteed sum for the insured vehicle. Please note that the certificate will not usually be back dated to the start of the insurance policy, and it will only be valid from the date of issue. All photographs and any bills submitted for works completed will be returned to you along with the guaranteed agreed valuation certificate.
Should the value of the vehicle change significantly during the certified period, then inform your Insurer and they will send you a new application form for a re-valuation. Usually you can expect an additional charge applies for each valuation completed. In addition, a change to the insured vehicle value may result in a change in the insurance premium, so beware.
In cases where a guaranteed agreed valuation certificate has not been issued for your cover, and a total loss claim occurs, you will be probably be paid at the current market value of your classic car, the annual depreciating price given to all cars, usually from Glass's Guide.
For UK Classic Car Insurance there's no need to look further than Lancaster Insurance who manage all the marque and members clubs insurance schemes for classic car companies such as MG, Land Rover, Aston Martin and Jaguar. Get a really competitive classic car insurance quote in seconds, from the UK experts.
Lancaster Insurance have launched an online American Classic Car Insurance comparison site for UK owners in conjunction with systems specialists Insuretec. The site offers instant online cover from a choice of specialist American Classic Car Insurance schemes designed for owners of the complete range of US automobiles - from AC Cobras through to Pontiac Firebirds and Ford Mustangs. Lancaster offer some of the cheapest rates available online.
Specialist classic car insurance - cheaper than ever!
Lancaster Insurance who operate the UK's only exclusively specialist car insurance comparison site Car-Insurance.TV are warning that many drivers of classic cars, performance motors and modified vehicles - are losing out if they only buy their car insurance from the large aggregators.
Car-Insurance.tv operates a comparison site which compares specialist schemes offering tailored cover online. With so many cars now becoming classics such as the VW golf and other foreign street cars like Toyotas and Mitsubishis cherished items, their owners may be pleasantly surprised to find that they could literally save hundreds of pounds off their premiums for better cover! They also offer discounts you won't find anywhere else such as club memberships and marque policies.
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