Roadside Assurance: When to Consider Specialty Car Insurance

by AutoExpert   |  28 July, 2023

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Hey, car enthusiasts and insurance seekers! Got a beloved classic in the garage? A souped-up sports car, perhaps? Or a recreational vehicle for weekend getaways? If you answered 'yes' to any of these, then it's time we chat about specialty car insurance. Let's hit the road!

1. What is Specialty Car Insurance?

Specialty car insurance offers coverage for unique vehicles that may not receive adequate protection under standard car insurance. It tailors to the particular needs of classics, collectibles, modified cars, and recreational vehicles.

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2. When Should You Consider Specialty Car Insurance?

The route to specialty car insurance isn't for every driver, but for some, it's the best way to safeguard their prized possession. Here are some key signposts to guide you:

Classic Cars: If your car is 25 years or older and spends more time in your garage than on the road, standard insurance may not appreciate its value like specialty insurance would.

Modified Cars: Regular insurers might baulk at your turbocharged engine or custom bodywork, but specialty insurers understand that your car is a cut above the rest.

Recreational Vehicles: RVs aren't just big cars. They're homes on wheels, needing coverage that considers their dual nature.

High-Performance Cars: If your car can go from 0-60 in a flash, it's not just impressive; it's a higher risk. Specialty insurance can provide the extra protection you need.

Specialty Car Insurance

3. Advantages of Specialty Car Insurance

Specialty insurance often provides agreed value coverage, meaning you and your insurer agree on your car's value when setting up the policy. If your car is a total loss, you'll receive the full agreed value. Also, these insurers understand your car's uniqueness, offering comprehensive protection for its specific needs.

4. Finding the Right Specialty Insurer

The search for the perfect specialty insurer should be as meticulous as your car care. Shop around, check customer reviews, and compare coverage options. Ensure the insurer understands and appreciates your unique vehicle as much as you do.

Specialty Car Insurance

If you've got a special vehicle in your life, it deserves special protection. Specialty car insurance could be the route to peace of mind, knowing your pride and joy is in safe hands. Stay driven, stay insured!

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