Kit cars are vehicles built up from different parts of a car which have been brought separately.
Enthusiasts invest a lot of time and money in such a hobby. The process of purchasing separate, specialist parts of classic and vintage cars and then restoring and assembling them back into their original form can be a rewarding experience.
One of the features of such vehicles is that they are lightweight, and are built deliberately in order to enhance the driving experience by allowing for greater acceleration.
A common characteristic of kit car design is the enhancement of the vehicle by equipping them with larger engines, thus increasing the power-to-weight ratio in a smaller car.
But finding cheap car insurance for such vehicles can be difficult, depending on the amount of work you’ve done on the car.
Small, lightweight cars with large engines are considered ‘easy to steal’ by the car insurance industry as a whole due to the common trait of fitting larger, more powerful engines into smaller frames – which could raise the risk of theft and joyriding.
Another feature, or lack of, which could affect the insurance policies of enthusiasts, is the lack of modern safety features – such as airbags and high-impact crumple zones - in some vehicles.
But enthusiasts could save themselves money on their policies by having a clean driving licence, as well as taking extra steps when it comes to security features on their vehicle:
- Invest in an immobiliser in order to protect against attempted theft
- Try and limit the size of the engine you want to fit into the frame. A larger, more powerful engine could make your vehicle attractive to thieves.
- When searching for a car insurance quote, be honest about the specifications of your vehicle in order to avoid issues if you need to make a claim.
When storing your vehicle of an evening, try and make use of a garage in order to store your kit car. Simple steps such as this will help reduce the risk of theft as well as help bring your insurance premiums down.
Related Articles
Smart Shopping - Cheap Auto Insurance
By: Sarah | 31/01/2008 | Insurance
For every drivers, auto insurance is relatively a fact of life and having an uninsured vehicle would bring a financial disaster. It is essential for every drivers to review its policy at least once a year for an adequate level of coverage were the needs of an insured drivers may change over time.
Save Hundreds on California Car Insurance
By: Sarah | 13/02/2008 | Insurance
In 2005, the state of California ranked as the 18th most expensive insurance premium with 845 dollar average per policy for auto insurance compared to the nationwide average of 829 dollars. Proving that California policyholders paid less than 3 dollars on policy with 3 percent decrease from 2004 to 2005.
Top Three Important Things to Know About Auto Insurance
By: Sarah | 26/02/2008 | Insurance
Are you interested to discover something really new regarding auto insurance? Something that can really help you save a lot of car money or even help you pay a claim? Never mind the usual tips that have already become a cliche. Here are the top secrets you must check out.
Is your Excess a Little on the “excessive” Side?
By: chris rowlands | 08/08/2007 | Insurance
Increasing your voluntary excess to decrease your premium price may be inadvertently costing you much more in the long run and is considered as fool’s logic by some. Is this really the case?
Car Insurance - Brits and Their Cars
By: David Collins | 15/04/2008 | Insurance
It’s no secret that we are a nation of car lovers. We spend time making sure they’re clean, polished and looking shiny in the summer sun (or summer rain in our case)
And now, according to a recent survey, Britons’ love affair with cars is still as strong as ever – despite the presence of higher fuel prices, increasing levels of congestion and the rising cost of car insurance
Car Insurance – Could you Receive a “crushing” Blow?
By: chris rowlands | 05/12/2007 | Insurance
Did you know that cars on the road without any form of insurance could be seized by the police force and crushed?
The number of cars seized on British roads continues to rise significantly every year as police come up with more effective ways of catching the offenders.
Motor - Costly Prangs
By: David Collins | 09/01/2008 | Insurance
According to a recent survey carried out by the Motor Insurance Repair Research Centre, claims involving the replacement of bumpers after minor accidents are on the rise in the UK.
Drivers are paying out a combined £2 billion per year in order to cover the cost of damage to bumpers.
Motor - Driving Distances
By: David Collins | 11/01/2008 | Insurance
As the numbers of cars on our roads continues to rise, so the likelihood of accidents is likely to rise as well.
As the insurance market is constantly changing in line with trends in the market – such as an increase in accidents and calls for changes in transport regarding climate change policies – finding an affordable deal can be a time-consuming process.
Got a Question? Ask.
Ask the community a question about this article:
Frequently Asked Questions
Underinsured
By: lunchlady | 12-07-2008
what is the statute of limitations on motor vehicle accidents in nj for underinsured drivers? if the person at fault does not have enough coverage to cover the cost of replacing a totaled vehicle, can the insurace company of the other driver sue them personally for the difference? if they can, is there a time frame they have to do it by?
Uninsured in car accident
By: bran | 08-07-2008
my husband was involved in a car accident july05.very minimal damage to other vehicle,none to ours. i just found out our policy cancelled on june30.so we have no insurance to cover this accident. the family of 6 that was in the van were not hurt and 3 of the passengers left before the law arrived because they were going to a wedding. now it is july 08 and 2 of the passsengers are complaining of back problems. i have pictures of the damage to their vehicle and no tickets were given. where do we stand on this?i dont have a problem at all with paying for the damages to the van. but i do have a problem with the injuries. my husband bumped them in the rear pulling from a stop sign. barely any speed at all. any advice would be appreciated. thanks alot!
Car storage insurance
By: mmille6515 | 09-05-2008
do you know how i can insure my car in arizona for storage only
Car insurance policy
By: Jonofwg | 05-05-2008
I bought a used car and added it to my policy, and then the car broke down 2 days later, how do I take it off my policy, will I be charged? How does it work?
Wa car liability insurance
By: judykay | 23-03-2008
Does car liability insurance in WA state cover the passenger for medical insurance in case of a one car accident
My parked car was hit 22nd Oct 2008 and my car has ...
By: RoydenFoster | 22-01-2008
My parked car was hit 22nd Oct 2008 and my car has been off the road for over three months and the insurers are unable to still provide a date when they will get the part to complete the repairs to my car. They also appear not to want to consider any alternative solutions. Is not three months an unreasonable time to wait for your car to be repaired? Where do I stand in relation to the insurers having to pay me out? Fully comprehensive
Q&A Powered by:
Latest Insurance Articles
Annuities: Finding Help You Can Trust
By: Tony Bahu | 24/07/2008
It's very hard to find help you can trust when it comes to annuities. This is an in depth look at that and how to assure you find unbiased help.
Annuities Investing: The Whole Truth
By: Tony Bahu | 24/07/2008
Do you ever feel like you haven't been told the whole truth? Kind of like something is missing? Well, you are not alone.
Mexican Auto Insurance - Things You Should Know
By: Colin R Cherry | 24/07/2008
Mexico is in the top ten destinations list for travelers. Its tropical resorts and mountain retreats offer a range of activities from shopping to adventure sports. It also creates the right circumstances for accidents and injuries. Make sure you have the correct Mexican auto insurance when to take your car to Mexico.
Why Do We Need Insurance?
By: Evan T Smith | 24/07/2008
Insurance works as a hedge against the prospective losses from the future unexpected events that can jeopardize human lives. It helps us to recover quickly from the damages by sharing the expenses to rebuild the damaged properties. The insurance market is highly competitive and growing, forcing the insurance companies to design customized and advanced products to suit best to their customers’ needs. However, insurance plans can be broadly classified into life, health, home, auto and disability insurance.
Cheap Car Insurance for Woman in the UK - Women Make Better Drivers!
By: Maria Mbura | 24/07/2008
Are women better drivers? Check out why insurance companies favor women and get cheap car insurance for woman in the UK.
Insurance Cheaper Than Ever Before
By: Christian Ward | 24/07/2008
With both the credit crunch and food prices starting to bite, it’s a relief that when it comes to financial products such as insurance, the news is a bit better. According to recent research, home and car insurance prices have stalled rather unexpectedly. Even better, policies for travel and life insurance are now cheaper than ever.
Home Insurance not Bought by Tenants
By: Christian Ward | 24/07/2008
Recent research by Zurich Insurance has found that tenants across the UK are gambling nearly £8billion of personal possessions by not protecting themselves against bad weather or crime.
Classic Auto Insurance - a Brief Guide
By: Colin R Cherry | 24/07/2008
Most car enthusiasts agree that if a car is at least 35 years old, then it probably is a classic and if you own one or more of these collector cars then specialized insurance is a must.
More from David Collins
Holidays on a Shoestring
By: David Collins | 22/07/2008 | Travel Tips
For many of us, with spiralling food prices and rising costs of bills, the last thing we can afford to think about is a holiday. However, with an abundance of late deals available to destinations at home and abroad, you can still potentially have an enjoyable holiday on a budget.
Car Hire in Florida: Stepping Away From Disney
By: David Collins | 22/07/2008 | Destinations
Every year, thousands of tourists of all ages flock to Florida to take in the sights and sounds of theme parks. There are also a variety of different sights to enjoy for those wanting to make the drive out of Orlando and take in some more of the Sunshine State.
Utilities - Energy Monitors
By: David Collins | 18/07/2008 | Tools and Equipment
Keeping an eye on your energy levels can be beneficial for the cost of your utilities – as well as saving you some money in the process.
One of the most popular appliances are units which will calculate the level of energy used by taking readings from your meter, and warning you when you’re using too much.
Loans - Tough Times
By: David Collins | 18/07/2008 | Loans
As banks struggle to find finances, they become more reluctant to lend to just anybody. As a result, many who apply for loans and mortgages find themselves with rather the stumbling block.
Utilities - Energy Saving Devices
By: David Collins | 16/07/2008 | DIY
For some, energy saving devices can be a godsend when it comes to the utility bills. There are now devices to help us all around the house - from adaptors that will time out and stop current if appliances have been left for a long time and even kettles that will boil exact amounts of water.
Students and Loans
By: David Collins | 16/07/2008 | Loans
Going to university is supposed to be a chance for young people to study hard, party harder and in the process gain skills and knowledge to help them further future careers. However, for many students, the financial implications can be tough to take. As levels of student debt have risen over the past few years, many find themselves with large debts at the end of their studies.
Life Insurance - Taking a Sipp
By: David Collins | 10/07/2008 | Insurance
From October, savers will have the opportunity to transfer final-salary pensions into what are known as SIPP schemes (Self-invested personal pension), rather than having to be held in life insurance policies.
Car Insurance - Road Rage Britain
By: David Collins | 09/07/2008 | Insurance
Despite the spiralling cost of fuel, car ownership has risen since 1988, and running costs for cars in general have shown to be cheaper than 20 years ago, according to a recent survey.
Finance 
