KIT CAR

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KIT CAR INSURANCE

What Is a Kit Car?

Kit cars – sometimes called replica cars – are popular with those who like to tinker with cars and build them from scratch. Using parts and specifications from specialist manufacturers such as Ginetta, Caterham and Tiger Racing, enthusiasts spend many weeks piecing together and assembling their vehicles from scratch.

When you purchase a kit car there is some assembly required, and many enthusiasts will spend hours in their garages putting together all the pieces until the vehicle is fully built and ready to drive.

Kit car insurance can be a very specialised product because the vehicles are designed for occasional use. Many enthusiasts will buy in the parts, assemble the vehicle themselves and then transport them to track days, either by driving the vehicle or by using a trailer.

Driving A Kit Car On Public Roads

In order to legally drive a kit car on the road in the UK you must register the vehicle with the DVLA, as well as apply for and pass an Individual Vehicle Approval (IVA) test.

In order to legally drive a kit car on the road in the UK you must register the vehicle with the DVLA, as well as apply for and pass an Individual Vehicle Approval (IVA) test.

If your kit car is in storage or is not currently in use, either for repairs or because you haven’t finished assembling it yet, you’ll need to provide the DVLA with a SORN notification to let them know that the vehicle is not currently in use, not doing so could lead to fines and penalty points.

Insuring A Kit Car

When it comes to kit car insurance, because of the nature of the vehicle an ‘agreed value’ is usually negotiated between yourself and the broker, usually based on the value of the parts of the vehicle itself.

This is down to the fact that, unlike a regular everyday motor vehicle, a kit car’s value does not depreciate over time. Indeed, depending on the make, model and year of the vehicle it may even go up in price with age!

Using Kit Cars For Track Days

If you use your kit car for track days or racing, it’s also important to ensure that you have the appropriate cover for your vehicle for these days. Whether you’re driving the vehicle itself to and from the track or having it towed, you much ensure that your vehicle is covered for those journeys.

It could be possible to negotiate with your kit car insurance broker about adding a low mileage agreement onto your policy, which would set a mileage limit for the year, which could save you money on your insurance policy if you don’t exceed the agreed amount.

Are There Clubs I Can Be Part Of?

There are kit car clubs in all corners of the UK, so if you’re interested in starting out with your first kit car purchase it can be worth networking with enthusiasts in your local area to get a feel of how it feels to own and maintain the vehicles.

There are kit car clubs in all corners of the UK, so if you’re interested in starting out with your first kit car purchase it can be worth networking with enthusiasts in your local area to get a feel of how it feels to own and maintain the vehicles.

Can Breakdown Cover Apply To Kit Cars?

When searching for kit car insurance, research is key, especially when it comes to added extras such as breakdown cover. When insuring your kit car check if your broker offers breakdown cover as part of your policy.

Breakdown cover for kit cars will usually be slightly cheaper than for a regular car breakdown policy due to the frequency of use compared to a regular vehicle used for a commute.

Search for a quote on your kit car insurance here at Quotiva. Our network of UK brokers will piece together your details in order to assemble a great deal for you.

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