Are you a non standard Driver? you may need Specialist Car Insurance!
Surprisingly a large number of vehicles fall into categories that the majority of mainstream car 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.

Most Car Insurance companies that offer quotes on standard comparison websites, have very strict underwriting criteria that the risk, that is you and your car, must fit into to be offered a quote from the online computer system. This is the case for nearly half of the UK population visiting a major motor insurance comparison website.
What those who purport to compare the market often fail to tell you when you start to apply for cover, is that if you do not fit into the type of risk that they are looking for, determined by the answers that you give when you fill out the application or proposal form, that you will have been wasting your time!

Many more customers that the mainstream car insurance comparison sites fail to satisfy, then take up first quote they are offered from another source, even if it is very expensive, because they fear they will not get cover elsewhere.

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?

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.

Trouble arises when a Car insurer employs its approved repairers to work on the vehicle against the owners wishes.

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.

There are two overall reasons or factors that make someone a non-standard risk, these being, you as a person and the car you drive.
Additionally any changes or modifications to a standard car, will change its risk group and may result in you not being able to obtain an online quote.

How old the car is whether it be a a specialist modified car car or a brand new off the forecourt car will seriously affect the risk price and may lead to exclusion from the quotation process.

Although the majority of cars are standard, the majority of drivers are not!.
Unusual of non standard lifestyle are the main reasons people often fail to get a quote.
Theft rates for the area you live in may also result in a decline to quote.

The solution to the above problems in trying to obtain a reasonable car insurance quote, is to visit a specialist broker or motor insurance underwriter.
Times have changed and due to the economic crisis and a change in the attitude of a generation, sports cars and classic cars are all the rage with the baby boomers, who can now be seen driving around town in cars they once pushed around as dinky or matchbox toys when they were little boys and girls.

For those of us who have eventually realised our dreams and secured that prized classic car or souped up modified sports car we always wanted, it is important to protect it with a comprehensive policy from an independent insurance specialist.

These bespoke policy types are known as classic car insurance schemes and are often initially drawn up by an underwriter, in request to a large pool of insurance presented by a classic car club or society. Each manufacturer will have multiple members clubs and there may be many schemes for a particular car model.

All specialist car insurance schemes also provide cover for high performance, prestige, classic or sports cars in particular, and you could certainly save money by taking out a policy from a scheme associated with your car, rather than standard motor insurance from a insurance comparison supermarket.

Wholesale large insurance companies argue that handling claims and arranging specialist parts for replacement and repairs, tend to be much more difficult to arrange and expensive and the result is higher premiums. Many mainstream car comparison insurers do not want to cover you period, so they will try to exclude you and dissuade you by offering highly weighted premium quotes and expensive cover.

You could be paying much less for your classic cover by switching to a specialist provider of classic car insurance. In certain circumstances, for example where your existing policy provider is charging you for unnecessary elements of cover, or does not really want you as a client as your profile does not match the optimal risk profile for their book of insurance business, you could save hundreds if you switch to a classic scheme.

Many drivers continue to pay over the odds for their car insurance, knowing they are non-standard risks, grateful to have found somewhere that can cover their specialist needs.

Compare specialist car insurance quotes and modified car insurance quotes online or call 0800 089 0182 to discuss your insurance needs with a specialist car insurance broker!