Comparing Specialist Car Insurance Just Got Easier!

Specialist Car Insurance Comparison Website Adds New Insurer To Panel
Press Release from Car-Insurance.TV

Dated: Mar 27, 2010

Comparing Car Insurance just got easier with the launch of a new specialist car insurance comparison system from Adrian Flux and Car Insurance Television.

The UK's specialist car insurance comparison website Car-Insurance.tv has announced that it has added motor insurance specialist Adrian Flux to it's ever growing list of partners, allowing it to provide quotes for a much wider section of the car insurance buying public.

A spokesperson for the car insurance comparison company said,
"We are very pleased to welcome Adrian Flux Insurance onto our car insurance comparison system. The addition of Adrian Flux Car Insurance services to our website users allows us to offer much wider covers to all members of the public including those with convictions and medical needs who cannot get or are refused cover from the standard insurance companies and their websites."

He added, "Furthermore it allows us to expand our already large area of specialist schemes to provide cover for just about every type of vehicle ever manufactured. We are now able to offer instant cover for Q plated , kit cars and even quad bikes and trikes right through to specialist schemes for the luxury, performance and prestige end of the market, such as our Lamborghini or Bentley cover schemes."

"Our mission at Car Insurance Television is to provide the cheapest and widest car insurance covers in the UK and to make them easily accessible for the buying public who have in the past often been kept in the dark by the larger organisations about the availability and competitive premiums that are offered by smaller company car insurance schemes."

Amongst the new types of specialist car insurance that are now available from Car-Insurance.tv are
schemes for:
Young Drivers
Female Drivers
Drivers with 2 or more previous Accidents / Claims
Drivers with 2 or more driving convictions
Drivers with any criminal conviction
Any driver with disability or medical condition
Any person who has had insurance refused / cancelled
Drivers over 75 years old
Drivers with non standard occupations i.e. Footballer, Actors, publicans etc

You can find out more about these covers by visiting http://www.car-insurance.tv or by phoning for quotes and advice on freephone 0800 089 0182

Category Car insurance, Classic Car Insurance, Specialist
Tags car insurance, classic car insurance, specialist car insurance

City/Town Central London
State/Province London
Country United Kingdom

specialist car insurance

Specialist Motor Insurance: Groupama providing added value to their current Motor Fleet Insurance Policies.

Following on from the relatively successful Optima Small Fleet Insurance product, French insurer, Groupama has further enhanced its current Fleet Insurance Policy meaning that the owners of larger fleets can now also benefit from some of the cover that was previously only available to those who operated either small or micro businesses.
This is great news for brokers who have a commercial agreement in place with Groupama as these additional enhancements are likely to provide an additional sales edge for those targeting the highly competitive SME market.
Groupama fleet insurance is designed to provide car insurance cover for fleets in excess of 15 vehicles. It is well favoured within the industry and operates across numerous trades within the motor insurance sector. As a result of the recent changes, Groupama fleet Insurance now includes enhanced overnight emergency accommodation or travel expenses as well as having a new personal accident benefits package incorporated into the policy also.
The company, who have a reputation for responding to feedback from their brokers and intermediaries, appear to have also taken heed of some recent advice as they seem to have presented the policy in much plainer English, something that they (and most of their peers) seem to have struggled with in the past. The advantage of this is of course is more clarity for the consumer, meaning in essence an easier sale for the broker.
Groupama's Head of Customer Proposition, Lynn Harris says "Our strategy of obtaining broker feedback on our products and service on an ongoing basis means we can see immediate opportunities to refine and enhance our propositions to keep brokers one step ahead. This, along with the success of Optima Small Fleet has really driven these changes and demonstrates Groupama’s commitment to giving brokers the tools to compete effectively."
For larger fleets, Groupama are now also offering access to an impressive range of risk management facilities via specialist driving consultancy Peak Performance Management. One inclusion within the policy which is often regarded as Peak Performance’s flagship tool is Risk watch, which enables the policyholder to train key personnel in how to conduct and implement an in-house driver risk assessment programme. The advantages of ingraining risk management concepts within the core of any organisation of course being good for insurer, broker and policy holder alike.
Also provided by Peak Performance Management for the policy holders are a series of ‘all of a sudden’ work shops, which set out to examine the circumstances surrounding the most common types of road incidents. In these small, focussed workshops, the participants are made to ‘discover’ the driving behaviours and techniques that will help them being involved in similar accidents.
To follow this work shop is a structured training process named ‘behind the wheel’ which is designed to improve driving skills and raise awareness further of risk management when driving. Peak Performance Management also provide Driver handbooks to help policy holders meet their duty of care as well as providing advice on how to reduce motoring costs through greater understanding of fuel economy and tyre wear etc.
With the Motor Insurance sector looking towards a tricky year in 2010 as underwriters face the challenge of working towards profitable margins, and brokers look forward to some uncomfortable conversations with long standing clients about the inevitable rise in insurance costs, additional benefits like these could make a lot of difference when it comes to renewal time.

It looks like Groupama may well have just gotten the first shot off in what could well be a long and protracted battle within the motor insurance industry in 2010.

specialist car insurance

Schumacher Needs New Mercedes-Benz Insurance

Michael Schumacher Will Need Mercedes-Benz Insurance!

Michael Schumacher, former multi World Drivers Champion has announced his F1 racing comeback for 2010, at the ripe old age of age of 41. If he wins the championship he will be one of the few to come out retirement and achieve past glories. The last was Nikki Lauda.

From Car-insurance.tv:

Schumacher has today announced his intention to drive in next years 2010 F1 season for the Mercedes Brawn Team, in the position that was left vacant by the departure of current F1 World Champion Jensen Button to rivals Mclaren Mercedes.

The drive is worth an estimated £6 million for the season, although already sceptics are lining up to doubt whether he will go the whole way.....

Schumacher speaking on Sky News, said that he has been in training all summer and autumn to recover from the neck injury that kept him from replacing Massa in the Ferrari team back in June, and that he felt 100 per cent capable of the drive.
He is also looking forward to competing against some of the younger drivers like Massa and Hamilton for the first time.

In reality it will be difficult for Schumacher to compete against the likes of Hamilton and Button at Mclaren, whose cars were getting better with every race towards the end of last season.

There is though the 'Button' element that gave Brawn such a flying start last season when every one in the Motor sports world had written off their chances before the start of the season.
With Ross Brawn at the helm and Schumacher at the wheel anything can happen....

Then there is also the question about engines. surely Mercedes will favour their own team over McClaren?

It's going to be a very interesting 2010 F1 season......

In the meantime Michael scumacher is going to need Mercedes Insurance for all those lovely Courtesy cars and gifts that the Mercedes-Benz people are going to shower him with..



Well Michael, you need to look no further than Car-Insurance.tv to get the best car insurance quote for all Mercedes models at the Mercedes Car Insurance comparison site.

Compare Car Insurance online for all UK Cars at Car Insurance Television.

Specialist Car Insurance Unaffected By Success of UK Government Car Scrappage Scheme

Car Dealers across the country are urging the UK Government to extend the car scrappage scheme well into the summer of 2010, in order to help maintain increased sales levels of new cars and boost the local economies.

Under the current scheme, buyers can qualify for a £2,000 discount on a new car with a trade-in on a vehicle that is more than 10 years old.

The scrappage scheme was launched in May 2009 with £300 million of funding from the Government and car companies. It will run until March 2010, or when its funding runs out, whichever is sooner.

The scheme continued to help new car sales in August with sales up 6 per cent from a year ago, the second consecutive month of growth.

However, sales so far this year are still 21.5 per cent lower than the same period in 2008, showing that the recession is still biting and questioning the overall impact of the policy. Car Insurance revenues are down in parallel to sales.

In July 2009, UK car sales rose by 2.4 per cent, the first rise since April last year which must given all the other economic factors of the time, be attributed to participation in the scheme.

Dealerships across the UK have reported an upturn in sales as a result of the scrappage scheme with small, low-priced models proving the most popular.

The effect on the specialist car insurance market has been minimal, although one could argue that many future classics have been taken off the road and crushed.

Increased sales in new cars combined with a downturn in production levels from all UK car manufacturers has meant that some new models are now difficult to get hold of.
You have only got to look at the amount of new cars, or lack of them, that appear on the new series of Top Gear, to realize there is something very wrong with the UK Motor Industry.

As a result of the shortage of new models and a waiting list, some car auctions are reporting knock-on benefits as buyers choose used small cars if new models are not available.

James Hawkins, director of Truro-based Hawkins Motors, said he would like the scrappage scheme to continue.

"It's had a massive impact. We're probably getting 200 enquiries through a month. I would like to see it extended at least until the spring," he said.

"In terms of what it has done for the business, it has increased sales rates probably by three times. Korean brands are doing very well. Cars around the £5,000 mark are setting the theme and can be difficult to get hold of.

"The recession has had an impact but this has taken some of the problem away."

It appears that for many small regional dealerships across the UK, the Government Car Scrappage scheme has been a great sucess and has helped the overstretched economies of rural communities such as Cornwall, through the worst of the current recession.

specialist car insurance

Get Specialist Car Insurance If You Need Specialist Repair Services

When buying car insurance policy it is essential to look at what is offered should you have an accident and need to a claim.
After all, you are only insuring the car to have the potential to make a claim should the worst happen and the cover is only as good as the insuring company's claims department.

With the hardening of rates in the UK car insurance market and the recession, price is most peoples consideration when purchasing cover, but one of things you should not overlook is who is going to repair your car if it is damaged in an accident and you need to claim?

This is especially true if you own a non-standard car? Non-standard are cars that don't fall into the mainstream set that the large insurance companies like to cover. 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 high performance, prestige, expensive, luxury, grey and foreign imports, kit cars and q plated cars, sports cars, convertibles, muscle and modified motors, vintage, 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 and not cheap substitutes. More often than not these type of car repairs require unique tools that are only available through specialist engineers and motor engineering repair shops that deal with particular models.

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. Bear in mind that cheap car insurance bought through a car insurance comparison website offers no claims services and it will be up to you to fight your corner in the event of a claim, if you don't agree with what the insurer is offering as recompense.

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 specialist classic car insurance or performance car insurance 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!

specialist car insurance

High Performance Car Insurance - Not just Ferrari Insurance!

Specialist car insurer Insuretec has announced that the latest of its specialist car insurance comparison systems, dealing with high performance car insurance is now online.

Spokesperson for the company, Patricia Powell, which operates the UK specialist car insurance scheme comparison website said,
"This new venture which brings together over eighty high performance car insurance schemes, and allows customers to compare products and tailor bolt on covers is a follow on the success of our make model insurance comparison applications, for example the Ferrari Insurance comparison.



Specialist Car insurance is growing and more schemes are being added all the time as various providers cater for more niche groups in an ever competitive market. Our website allows customers to get the best cover for the best price, and with the price of high performance car insurance, we beleive and our customers report that we are providing a valuable service!"

specialist car insurance

How To Buy Cheaper Classic Car Insurance Cover

Do you own a car over fifteen years old? If you do you may well be entitled to cover it under what is known in the industry as a classic car insurance policy. In the past there were many more restrictions on cover under this type of policy and specialist motor insurance brokers and insurance companies were very particular about the type, age make and models of the cars they wished to cover on their books.

Times have changed and technology has led to many more cars now fitting into a bracket that was once reserved for the glamourous, collector and vintage car owners. It is now possible to obtain both cheap quotes and classic car covers online from many providers including the majority of those famous high street brands, who have realised that nearly fifty percent of the cars on the road now fall within the strict underwriting parameters for classic car policies. Consequently premiums in this market, which were always cheaper than standard cover, have become much more competitive in recent years, with the entry into the market of many of the larger insurance companies.

When searching for the right covers it is wise to get a range of classic car insurance online quotes from various different sources. Not all motor companies are the same, and neither are all classic policy conditions.

When applying for a classic quote you should be aware of the varying limits of cover and restrictions that may be put on driving the vehicle. For example many of these policies will only allow you very limited road mileage each year, sometimes as little as 3000 miles per annum. This is fine if you have an expensive collectors car that is garaged throughout the year and only taken out for the odd cruise or rally. The problems occur much more frequently when non valuable classic cars are insured under this type of policy when they should really be covered under a more embracing standard motor insurance. Unfortunately, restrictive policy conditions often only come to light after an accident and a claim is made, rejected by the insurer and leaves the policyholder feeling missold and abandoned.

If you have decided that a classic car policy is right for your car, then when applying for quotes online always check that the policy is right for you, the owner as well. Many policies are designed to charge by the lifestyle of the insured and as with all car insurance there is a tendency for cover to be cheaper for older persons and women drivers. Many companies will not issue classic motor insurance to persons under the age of twenty five, although this is changing as well, and there are some very good providers out there who will cover drivers as young as twenty one.

If the value of the car is not particularly high and the replacement costs of parts and repairs does not warrant a specialist policy, you may well be better advised to seek out quotes from a mainstream insurance company. They often have additional online discounts and offers which the classic policy providers are not in a position to offer.

As with all car insurance, what may initially appear cheap at policy inception could cause some unpleasant surprises when it comes to making a claim.

Shop around for specialist car insurance and Classic Car Insurance.

Compare policy prices and insurance covers from both major high street brands and the smaller insurance specialists to ensure you not only get a good deal, but get the adequate levels of cover you require for your classic car, as well.

Originally published by our in house resident classic car expert Dave Healey
Cheaper classic car insurance article source

specialist car insurance

The UK's largest Specialist Car Insurance supplier offers new products

Online specialist car insurance comparison site Car-Insurance.tv has launched a new range of specialist insurance products specifically aimed at young drivers, lady drivers and the more senior amongst us.

London, UK (PRWEB) August 3, 2009 -- Online UK specialist car insurance comparison website Car-Insurance.tv has announced the addition of fifteen new products and schemes to its specialist car insurance comparison panel, to cater specifically for various driver types. These include specialist policies specifically designed for young drivers, lady drivers and senior drivers.

Car-Insurance.tv Marketing Director Dave Healey said, "Our specialist car insurance comparison system, is the largest in the UK and is particularly focused on making large premium savings for owners of specialist cars such as sports cars, performance cars and classic cars. We are particularly good at finding you the cheapest cover by your car type with our car insurance schemes."

Our specialist insurance comparison system, is the largest in the UK and is particularly focused on making large premium savings for owners of specialist cars such as sports cars, performance cars and classic cars. We are particularly good at finding you the cheapest cover by your car type with our car insurance schemes.
However analysis of the website usage statistics has revealed to us that we were missing out on a large part of the market. The addition of the new products means more importantly, that we can now satisfy the buying intentions of more of our customers, which include some large niche segments of the UK car insurance buying population.
Take for example our classic car insurance schemes. We already offered comprehensive, whole of the market policies to young drivers over the age of twenty three. The new products allow us to offer classic car insurance to drivers as young as twenty one which is important as many cheaper cars favoured by this age group, are now eligible for classic cover.
Lady and Women drivers are also set to benefit from the introduction of the new schemes.
The company has helped support many community based projects this year, and hopes that this will continue despite the downturn in business.
"However analysis of the website usage statistics has revealed to us that we were missing out on a large part of the market. The addition of the new products means more importantly, that we can now satisfy the buying intentions of more of our customers, which include some large niche segments of the UK car insurance buying population."

He added "Take for example our classic car insurance schemes. We already offered comprehensive, whole of the market policies to young drivers over the age of twenty three. The new products allow us to offer classic car insurance to drivers as young as twenty one which is important as many cheaper cars favoured by this age group, are now eligible for classic cover."

"Lady and Women drivers are also set to benefit from the introduction of the new schemes."

Mr Healey stated. "It has long been known within the insurance industry that women drivers present a better risk than their male counterparts. We identified that many of our more expensive performance car and sports car insurance policyholders were women. In order to offer these female customers the range of benefits that are available across the market we have incorporated many specialist car insurance schemes that are designed exclusively for women drivers."

More information is available at lady driver car insurance

Car-Insurance.tv hope that the wider range of products available will help them continue to sponsor local community events up and down the country.

specialist car insurance

Exclusive Specialist Online Sports Car Insurance schemes announced for Porsche and Ferrari owners

Exclusive Specialist Online Sports Car Insurance schemes announced by Specialist Broker Scheme comparison site Car-Insurance.tv for Porsche and Ferrari owners

Specialist Ferrari Car Insurance Schemes
If you own a Ferrari it goes without saying that you require the best car insurance available for your Cavallino Rampante!



If you need to make a claim you wil only want your car repaired by specialist Ferrari mechanics and approved Ferrari garages. It's highly likely that if you skimped on repairs and took your car elsewhere that your warranty would be invalid.

Ferrari Insurance

That is why at Car-Insurance.tv we have teamed up with specialist Ferrari car insurance scheme providers to offer specialist insurance cover for all models, old and new!
We offer huge discounts for Ferrari owners club members and cover solutions not available at other Internet outlets including full replacement value coverage. Cover is available for the complete range of models including the F40 and F50 GTs, all GT and GTO models , older Testarossas, the Dino and Enzos, right through to the brand new FXX Eolution model.

Compare our covers and premiums when you get a Specialist Ferrari Insurance quote from the UK Ferrari Insurance cover specialists!

Labels: Car Insurance, car insurance schemes, Ferrari, Ferrari Insurance, Specialist Car Insurance

posted by CarInsurance at Friday, July 10, 2009


Specialist Porsche Car Insurance
You can now compare quotes from over 100 suppliers of insurance for Porsches at car-insurance.tv including exclusive specialist schemes designed for Porsche owners and Club members.



We compare prices and cover from specialist Porsche sports car insurance schemes, ensuring you only pay for the cover you need, at the best UK Internet prices for Porsche Insurance.

Whether you own an old classic 944, 911 Carrera or the latest Panamera you will not find better Porsche Insurance cover elsewhere in the the UK.

Compare quotes today from our online Porsche Car Insurance Schemes and start saving hundreds off the price of your premiums with superior tailored Porsche Insurance Cover

Labels: car insurance, Porsche, Porsche Car Insurance

posted by CarInsurance at Friday, July 10, 2009 specialist car insurance

Specialist Car Insurance Covers Specialist Repairs If You Need To Claim

Does Your Car Require Specialist Car Insurance and Repair Services?

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 car insurance 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 that requires specialist cover? 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!

Dave Healey is a specialist car insurance expert and UK classic car insurance journalist who writes regularly at the Car Insurance Blog.

Article Source: http://EzineArticles.com/?expert=Dave_Healey
http://EzineArticles.com/?Does-Your-Car-Require-Specialist-Car-Insurance-and-Repair-Services?&id=2370494

Compare Specialist Car Insurance at a specialist centre!

Have you gone on one of those big car insurance comparison sites and got halfway through the form filling, only to be told that they can't quote you? Yeah me too! This accompanying post shows how you can avoid the time wasting and still benefit from a large car insurance comparison system, even if you have unique specialist car insurance requirements.

Specialist Car Insurance is the Answer If You Have Been Declined by a Comparison Website
By Dave Healey

Often these large aggregator sites fail to provide a reason for why they cannot cover your car. Some of the better ones will provide a telephone number where you can repeat the quotation process over the phone, however with these type of companies you still run the risk of failing to obtain cover even if you talk to them direct.

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 people searching online for various motor insurance covers, come away disappointed at not being able to insure their car or vehicle, as quickly and as easily as was suggested on the television advert, because the comparison company failed to mention that if you cannot tick all the boxes on the form, you are a non standard risk.

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.

Car insurance companies employ people called actuaries who constantly check statistics and data to come up with rates for various risks.

The actuaries and the underwriters set the risk rates for certain groups of people or car combinations. Consequently many people who do not fit the standard that the actuaries and the underwriters want, find themselves either completely excluded from the quote process or given a quote offer that is so expensive, that the risk in question will not take out the cover, and does not enter and threaten the value of the existing risk pool.

Others continue to pay over the odds for their car insurance, knowing they are non-standard risks, grateful to have found somewhere that can cover them. Many mostly through inertia, laziness or a misguided loyalty bordering on Stockholm syndrome, continue to pay over the odds for car insurance premiums, failing to realise that an hours work searching for alternative cover online, could make them hundreds of pounds or dollars in premium savings.

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.

The risk price you pay for your car at a comparison site, is largely determined by the risk group assigned to the particular make and model of the vehicle. Every car in the UK is assigned to a risk group for rating purposes from one to twenty, twenty being the highest risk, typically high performance expensive fast sports cars. The higher the risk group the more you pay. Many online insurance comparison systems exclude high risk groups above fourteen for certain combinations of factors and will fail to quote.

Additionally any changes or modifications to a standard car, will change its risk group and may result in a failure to quote online. Age of a vehicle whether it be a specialist classic car or a brand new motor will seriously affect the risk price and may lead to exclusion from the quotation process.

Although the majority of cars are standard, people are not. Variations in human characteristics account for the main reasons people fail to get quoted from a standard car insurer. These can be age and gender related, where you live and what you do for a living. Many occupations will exclude you from online quoting and certain providers offers specialist schemes aimed at differing age groups. 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. They will have individually designed specialist car insurance schemes to cater for all those nuances that the comparison sites decline to quotes for. Furthermore because the risk quoted for is the actual risk and not a grouped risk, you may well find a lot more change in your pocket than if you had visited a standard mainstream insurer.

It is now possible to combine the benefits of comparing car insurance quotes and specialist car insurance. The Internet has allowed the development of specialist motor insurance comparison sites where multiple schemes are compared for non standard risks. Lancaster Insurance specialist car insurance and classic car insurance comparison website, is one good example.

Article Source: http://EzineArticles.com/?expert=Dave_Healey
http://EzineArticles.com/?Specialist-Car-Insurance-is-the-Answer-If-You-Have-Been-Declined-by-a-Comparison-Website&id=2360820

Comparing quotes for Classic Car Insurance online

Welcome to our new blog about specialist car insurance. We open with one of our guest writers who is a specialist in classic car insurance

How To Compare Classic Car Insurance Online

Author: Dave Healey

Comparing car insurance online can be a minefield for any people, with so many options available online at the click of a mouse, it is often confusing, a problem that is exacerbated if you own a classic car and require specialist car insurance.

So how do you choose firstly a website, then a company, then the policy, that is going to be right for your prized possession, your cherished classic car?

You could like the majority of people start off by visiting a large car insurance comparison site, such as the ones you will see advertising during virtually every commercial break on television. don't expect to find any bargains at these types of sites. They are designed around standard polices for standard vehicles, and although many of these sites willl now quote for classic cars, the premiums are often heavily loaded and more often far from competitive. Having spent time filling out the application form online it can be disappointing to find that most companies on the comparison panel are refusing to quote for your particular classic, or have loaded the premium as the do not want your business. For the majority of the large car insurance companies, classic cars mainly equate to expensive claims, and not profitable target business.

When comparing what can at first appear to be, cheap classic car insurance through one of thee large supermarket distribution outlets, be very careful to read all the wordings in the small print, paying particular close attention to the information regarding claims.

If you own a classic car you need to ascertain that in the event of an accident your classic car will be taken to a specialist or maker approved repairer and that only genuine replacement parts will be used on your car to repair it. Unfortunately you will find that most mainstream car insurers have a network of approved repairers nationwide, and will often insist that cars covered under their policy contracts must be repaired through these outlets. In situations such as this, what appeared to be a bargain cheap car insurance deal at source, could prove to be a very expensive mistake.

The solution to the problem is to approach a specialist car insurer or broker, in particular one who has experience in underwriting classic motors, and preferably has a large book of business of classic car insurance. Unlike in many other professions for example healthcare, a specialist in car insurance is often cheaper than the High Street names and offer better value quality cover that can be tailored to the requirements of your specific classic car make and model. By specialising in a particular market niche these car insurers have developed group schemes for virtually every type of classic. By joining one of these schemes you are joining a risk pool of like minded individuals and similar cars. The specialist car insurer is able to determine more accurate rates for a particular classic and you will also benefit from the power of group buying which delivers economies of scale in the form of shared risks and cheaper premiums.

About the Author:

With the demand for specialist car insurance rising, there are now many websites where you can compare car insurance online and specifically specialist schemes, covers, and rates for classic car insurance. When comparing both covers and premiums it is essential that you make comparisons on a like for like or similarity basis, including the arrangements for settling a claim.

Article Source: ArticlesBase.com - How To Compare Classic Car Insurance Online