Custom Car Cover - A Specialist Insurance

Anyone who owns and drives a car is likely to be familiar with the process of arranging insurance for it. There are any number of insurers vying for your business and the cost of the annual premiums are likely to be determined by the age, make and model of the vehicle, the age of the driver, the extent of any no claims discount, the likely annual mileage, and so on. Customised car cover involves many of these same principles, but with one or two very notable exceptions.

Specialist insurers - the first most probable discovery is that the insurer who is only too glad to cover the family runabout may not be so able to arrange custom car cover. Indeed, some insurers may be likely to decline the opportunity to arrange insurance for a custom vehicle (or "street rod", "rod", "American", or even "dragster", as they might also be known). The alternative, therefore, is to search online for specialist insurers who have made it their particular business to tailor cover specifically for most kinds of car;

Specialist valuations - one of the principal reasons for turning to a specialist insurer is the need to agree upon a valuation for your particular car. Almost by their very definition, no two custom cars are the same and their insurance values, therefore, are also different. Insurers who specialise in custom car cover, therefore, typically need to agree a current valuation for the modified vehicle as the first step in arranging suitable insurance cover for it;

Specialist modifications - what makes a car a custom car, of course, are the modifications that have been made to what was - in the majority of cases - a standard production model. The extent and skilfulness of those modifications frequently transform an ordinary motor car into a vehicle fit for parading at a show ground or in one of the many cavalcades of custom cars increasingly seen around the country.

However extensive those modifications and whatever the customised outcome, however, it is almost certain that the vehicle is likely to spend a large part of its life in the garage or work-shop where the alterations are to be made. Naturally, such projects might take months, or even years, to complete.

Throughout that time - throughout the period that customisation is a "work in progress" - appropriate insurance typically needs to be in place to protect the owner's investment against such risks as accidental damage, fire or theft. Specialists in the provision of custom car cover are usually accustomed to ensuring that the insured vehicle remains fully protected, however long the customisation project might last;

Specialist clubs - custom car enthusiasts find that they gain a great deal of support, advice and shared wisdom from like-minded souls through membership of one of the several custom car clubs set up in the UK. These include the National Association of Street Clubs, the National Street Rod Association and the Association of Car Enthusiasts - and who may offer introductions to members to insurers providing suitable, specialist custom car cover.

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