Classic Car Insurance – A Beginners Guide For New Classic Auto Owners

If you’ve just bought a classic auto you might not know that there are many specialist insurance companies out there offering quotes for classic car insurance.

Dave Healey explains………

Classic Car Insurance – A Beginners Guide For New Classic Auto Owners

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.

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 coverage for your cherished motor, that covers your individual risks at prices that won’t break the bank!san antonio car insurance

If you have not owned a classic car before it is important to realize 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 policy you will be offered a choice of either an agreed valuation of the classic cars worth or a policy based on market value.Car Insurance San Antonio

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 Classic 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 your model type classic car insurance.

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Motorcycle Insurance for the new Driver

Beginner’s Guide to Motorcycle Gear

If you’re looking to purchase your first motorcycle, there are many things to be excited about: you have to choose your first bike, learn how to ride it and get pumped about pounding the pavement. However there’s more to do than having a motorcycle than just getting your license and taking off. You need to be adequately outfitted in safety gear, as it’s as crucial to your protection and wellbeing.
If you’re a motorcycle beginner looking for a guide on the proper equipment, the following guide will help you in choosing what you need to operate your bike in comfort and safety. Motorcycle insurance san antonio
Your helmet is the main safety piece for all motorcyclists, as a good helmet can mean the difference between security and a serious injury or death, no matter how minor the accident. Some helmet basics are:
● DOT Certification: This certification outlines the U.S. Department of Transportations minimum performance ratings. Make sure your helmet has a DOT sticker.
● Fit and Retention: Your helmet should be snug, but not tight enough to be uncomfortable.
● Style: There are several alternatives regarding helmet styles, from open-face to full-face to half helmets. Full-face models give the best protection, but you might prefer another style that feels more comfortable.
Jackets protect your shoulders, arms, and torso. Look for the following in a jacket:
● Textile vs. Leather: Leather offers superb resistance when it comes to abrasions, but it’s not the best for absorbing shock. Textile jackets can be made of Kevlar or Cordura, which provide abrasion protection and are less warm than leather in hot temperatures.
● Fit: Your jacket should be snug, but not restrict your movements. When you try on a jacket, make sure the zip is all the way up, and mimic your position in your motorcycle to check its the correct fit.
Bike pants will protect your hips, knees, shins, bottom and legs from impacts and abrasions. Most commonly, the choices for motorcycle pants are:
● Leather: They offer a greater resistance to abrasion, but can be uncomfortable in hot temperatures.
● Textile: Textile motorcycle pants are commonly made with materials resistant to abrasion, such as Kevlar, and often have built-in armour for areas with high impact, such as the hips and knees.
● Overpants: If you’re a commuter, or don’t want to reach your destination with bike pants, motorcycle overpants are abrasion-resistant armored pants which are worn over street clothes.
Footwear, while not as important when it comes to your safety as a jacket or helmet, should also be part of your safety choices. Motorcycle boots protect your shin, ankle, sole and toes in the instance of an accident. They also provide increased comfort and grips on long rides. Some of the typical options include:
● Touring boots: Most likely the most common motorcycle boot style. They are usually tall and provide shin protection and ankle support.
● Short boots: Short boots may not offer as much protection as touring boots, but they can be more comfortable, while still providing protection.
● Cruiser Boots: They are heavy-duty, and specially made for extended rides. They are different heights, and generally, offer first-rate protection against abrasions and high-impact crashes and an excellent grip.

Taking everything into consideration, you choose what makes you feel most comfortable. Just make sure it offers some protection. After all, finding out what motorcycle gear suits you best is part of the excitement.