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Insurance for the more mature vehicle

There is often some confusion surrounding exactly what the qualifying factors are for classic car insurance – is it based purely on age? Well, yes and no! Any professional insurance broker will look at the age of the vehicle, certainly, but also the age of the driver, the vehicle value, annual mileage and other deciding factors. That is why it is worth speaking with a professional.

Classifications of vehicles are:

Vintage car – commonly defined as a vehicle built between the start of 1919 and the end of 1930

Historic car – the DVLA has a 'historic vehicle' taxation class. If your historic car was constructed or manufactured prior to 1973 then it will be exempt from the payment of road tax. You will need to make the necessary arrangements regarding this exemption directly with the DVLA

Classic car – the definition of a classic car differs greatly amongst individuals and organisations alike. In general terms it refers to a car which is over the age of 20 years. The modern cars of today will someday be the Classic cars of the future, so making sure you have the right insurance in place is important.

It could go without saying that your vintage, historic or classic car is your pride and joy. It would therefore follow that you want to keep it safe and protected from vandals and theft. Older cars in general seem to be appealing to thieves and the older and less well kept they are, the better. Commonly, they don't have the sophisticated in-built security systems of today's cars so they appear easier pickings. Age-old worn door locks are also attractive to the sticky fingered thief.

One huge factor in keeping your vehicle safe is where you store it. Your insurance policy might stipulate you keep your vehicle in a garage, lock-up or workshop as this is the most secure option. The next best thing is that you keep your vehicle in a well-lit driveway – leaving it on the road is really not advisable. Any lighting, particularly bright specially installed security lights are a useful deterrent also.

You can install retrospectively an immobiliser and alarm to your vehicle. If your car is a 'work in progress' consider removing a wheel so the car cannot be driven away – simple, but effective! If the car is roadworthy, you can choose between an electronic or a mechanical device. Mechanical devices come in the form of wheel clamps, steering or gearbox locks and, when compared to electronic devices, are reasonably prices at around £100.

Electronic immobilisers can be quite expensive but you may benefit from a lower premium on your insurance policy. Some of these can be tricky to fit to very old cars and it is worth seeking a professional opinion before you buy a kit to install yourself. Some alarms work on a motion alarm – set off by any bumping, jacking, opening of doors or boot which trigger the sensors to set off a siren or the car's lights. More expensive and complex systems will probably need professional installation.

Use common sense with your vintage, historic or classic car - as you would with your regular, everyday vehicle. Take care where you park, keep valuables in the vehicle out of sight and your car keys out of sight indoors. Get good advice from a professional insurance broker – Westhill Insurance Services are a good company to contact. They will listen to what you want to achieve and will search for the best possible policy to suit your needs – and your pocket. To keep the wheels on your vehicle turning safely, you need professional insurance advice – so make you get the best: call Westhill Insurance Services, they won't treat your dream car as just any old banger, older vehicles (like people) deserve respect at all times!

Contact Westhill Insurance Services, today.

Posted on 8th May, 2011