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Kit Car Insurance

Constructing a kit car from the ground up is a true labour of passion. However, before you can proudly drive your creation on the open road, there are crucial steps to take.

Registering and taxing your masterpiece is essential, but don’t forget the vital aspect of protecting your hard work financially with kit car insurance.

Discover what you need to know about insuring your one-of-a-kind vehicle and ensuring its safety on the road.

What is a kit car?

In a nutshell, a kit car is a unique automotive marvel that you construct yourself. Unlike traditional factory-built vehicles, a kit car arrives in the form of separate parts purchased directly from the manufacturer.

Assembling these components is akin to putting together an intricate puzzle, a process reminiscent of building with Lego, but on a more sophisticated scale.

The adventure of building a kit car may require you to procure additional significant parts, such as the engine or transmission, separately. The allure of these cars lies in their unparalleled personalisation potential, offering you the opportunity to create a vehicle that perfectly aligns with your preferences and desires.

What Is A Kit Car?

Notably, kit cars often replicate classic sports cars, giving enthusiasts an affordable avenue to bring their automotive dreams to life. Owning a dream car that might otherwise be out of reach can become a tangible reality with a well-crafted kit car.

It’s worth emphasising that while constructing a kit car requires dedication, time, and attention to detail, the satisfaction of driving a machine you assembled from the ground up is incomparable.

Moreover, the hands-on experience of building your car fosters a deeper connection with the vehicle, making every journey behind the wheel an even more memorable and rewarding experience.

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Do I need specialist kit car insurance?

When it comes to insuring your prized kit car, relying on standard car insurance is highly unlikely to provide the necessary cover. As such, you will indeed need to seek out specialist insurance tailored specifically for kit cars.

While Comparoo is perfect for comparing various types of insurance, unfortunately, it does not extend its reach to kit car insurance. Therefore, to find the right cover for your unique automotive creation, it’s essential to explore dedicated insurers who understand the intricacies and distinct needs of kit car enthusiasts.

Embracing specialist kit car insurance ensures that your beloved masterpiece receives the protection it deserves, safeguarding your investment and passion for the road ahead.

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How do I get insurance for a kit car?

Insuring a kit car can be a complex undertaking due to the wide array of variations in their construction. As such, securing appropriate insurance for these unique vehicles isn’t always a straightforward process.

Most standard insurance providers do not offer kit car cover, which means you’ll need to explore specialist insurers with expertise in this field.

When approaching these specialists, be prepared to provide essential details about yourself, such as your claims history. Additionally, they will inquire about specific information related to your car, including its make, model, engine size, and the current status of the build.

Engaging with experienced kit car insurance providers ensures that you’ll receive comprehensive cover tailored to the distinct needs of your custom creation. By collaborating with specialists who understand the intricacies of kit cars, you can set off on your automotive adventures with confidence and peace of mind.

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How do I register a kit car?

Before embarking on the exciting journey of driving your cherished kit car on public roads, you must first complete the essential step of registering it with the DVLA (Driver and Vehicle Licensing Agency).

Here’s what you need to know about the registration process:

  • Individual Vehicle Approval (IVA) Test: To gain legal road access, your kit car must pass a basic Individual Vehicle Approval (IVA) test. This evaluation involves a thorough inspection conducted by the Driver and Vehicle Standards Agency (DVSA). The purpose of the IVA test is to ensure that your custom-built vehicle meets the necessary safety and environmental standards.

  • The Inspection Fee: Be prepared for a nominal fee charged for the IVA test. The exact cost may vary, so it’s best to check with the DVSA or the official government website for up-to-date pricing information.

  • Getting Your Number Plate: Upon successful completion of the IVA test and registration with the DVLA, you’ll receive your much-anticipated number plate. This plate is a vital identifier for your kit car and allows you to proceed with taxing and insuring the vehicle for driving on public roads.

  • Tax and Insurance: With your new number plate in hand, you can now proceed to tax and insure your kit car. Be sure to explore specialist kit car insurance providers who understand the unique needs of these vehicles and can offer tailored cover.

It’s essential to adhere to the registration process and ensure that your kit car meets all the necessary safety and legal requirements before hitting the road.

How Do I Register A Kit Car

By following these steps and getting the appropriate documentation, you can embark on memorable driving experiences with your personalised automotive masterpiece.

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What does kit car insurance cover?

Kit car insurance offers a range of benefits akin to those provided by standard car insurance policies. This includes essential cover for fire, theft, and third-party damage, providing a solid foundation of protection for your automotive creation.

In addition to the standard benefits, comprehensive kit car insurance often includes specialised features tailored to the unique needs of kit cars:

  • Spare parts protection: Comprehensive policies may offer an extended cover limit for spare parts. This ensures that your valuable components are safeguarded adequately in case of loss or damage.

  • Build-up cover: During the construction phase of your kit car, it’s crucial to protect your hard work against potential mishaps. Build-up cover provides insurance against accidental damage, fire, and theft while your car is still in the process of being assembled.

  • Dismantled salvage cover: This feature covers the value of all the parts that have yet to be fitted to your car. Should any of these components be damaged or lost, the policy will provide compensation, giving you peace of mind during the build.

  • Salvage retention option: In the unfortunate event of your kit car being written off, salvage retention allows you to buy back your car’s parts. This means you retain ownership of the salvage, even if the insurance company deems the vehicle beyond repair.

  • Agreed value: Unlike standard car insurance, which typically pays out the market value, some kit car insurance policies offer an agreed value option. This means that in case of theft or a write-off, you’ll receive a pre-agreed sum that takes into account the unique value of your hand-built vehicle.

  • Goods in transit cover: Ensuring your kit car is protected while in transit is essential. Whether you’re picking it up or having it delivered from the manufacturer, goods in transit cover ensures that your valuable investment remains safeguarded throughout the journey.

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By selecting the right kit car insurance policy with these specialised features, you can ensure that your hard work and passion for building your dream car are fully protected.

Embrace the comprehensive cover and drive with confidence, knowing that your kit car is insured to the highest standards.

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What should I consider when comparing kit car policies?

When delving into the world of kit car insurance, it’s essential to keep several key factors in mind to find the right policy for your unique needs. Here are some important considerations to guide you in your search:

  • Age restrictions: Be aware that some kit car insurance policies have age restrictions and may only be available to drivers over the age of 21. Ensure you meet the age requirements before proceeding with a specific policy.

  • Rally/track day cover: If you plan to take your kit car to the race track or participate in rally events, it’s crucial to check whether the policy offers cover for such activities. In some cases, you may need to pay an additional premium for optional track day cover.

  • Multi-vehicle cover: Many kit car enthusiasts own multiple vehicles, and if you’re among them, consider seeking an insurance provider that offers multi-vehicle cover. Combining all your cars under one policy can simplify the insurance process and potentially lead to cost savings.

  • SORN cover: If you need to work on your kit car and decide to take it off the road temporarily, consider opting for laid-up or SORN (Statutory Off Road Notification) cover. This alternative to regular car insurance provides protection against dangers like fire and theft while your vehicle is not in use. However, keep in mind that SORN cover will not insure you for driving your car on public roads.

  • Review policy terms and conditions: Remember that each kit car insurance policy is unique, so it’s vital to thoroughly review the terms and conditions before making a purchase. Pay close attention to cover limits, exclusions, and any additional benefits or add-ons offered by the policy.

By carefully considering these factors and conducting a comprehensive comparison of kit car policies, you can select the insurance cover that aligns perfectly with your needs and preferences.

Prioritise protection and peace of mind as you embark on exciting journeys with your handcrafted automotive masterpiece.

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Is kit car insurance expensive?

When it comes to kit car insurance, it’s important to recognise that the unique nature of each vehicle and the specialised cover it requires often translates to higher premiums compared to insuring a standard car.

Is Kit Car Insurance Expensive

Several factors come into play when insurance providers calculate the premium for your kit car policy. These include:

  • Your age and driving history play a significant role in determining your insurance premium. Younger or less experienced drivers may face higher costs, while a clean driving record can lead to more favourable rates.

  • Where you live and where you keep your kit car overnight can impact your insurance costs. Vehicles parked in urban areas or places with higher crime rates may attract higher premiums due to an increased risk of theft or vandalism.

  • The value of your kit car and its specific body type and engine specifications influence the insurance premium. Higher-value vehicles or those with high-performance engines may incur greater insurance costs.

  • Kit car enthusiasts often enjoy customising and modifying their vehicles. While these enhancements add to the car’s appeal, they can also impact insurance costs. Unique modifications might require additional cover, leading to higher premiums.

  • If you plan to use your kit car for track racing, it’s essential to inform your insurer. Racing usage typically involves higher risks and may necessitate a specialised add-on or increased premium.

  • Consider any optional extras you add to your policy, such as agreed value cover or additional benefits. While these features provide valuable protection, they may contribute to higher overall costs.

Considering the considerable time, money, and effort invested in building a kit car, it’s essential to prioritise adequate insurance cover.

While the premiums may be higher, the right level of cover ensures that your prized creation is protected against various risks and potential challenges on the road.

Embrace the peace of mind that comes with comprehensive insurance, and enjoy your one-of-a-kind automotive masterpiece to the fullest.

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How can I cut the cost of my kit car insurance?

While it’s essential to prioritise adequate cover over the cheapest price, there are several effective ways to potentially reduce the cost of your kit car insurance without compromising on protection:

  • Embrace kit car clubs: Consider joining a dedicated kit car club. Membership in these clubs often comes with perks, including access to insurance provider discounts. Taking advantage of such benefits can help lower your insurance premiums.

  • Limit annual mileage: Since kit cars may not be your everyday ride, keeping your annual mileage low can positively impact your insurance costs. By setting a lower agreed annual mileage limit, you demonstrate to insurers that you use your kit car sparingly, which can lead to lower premiums.

  • Enhance security measures: Invest in the security of your kit car by parking it off-street in a secure location overnight. Insurers often offer discounts for vehicles kept in safe environments. Additionally, installing industry-approved immobilisers and alarms can further reduce your insurance premium.

  • Evaluate add-ons: Review your policy for unnecessary add-ons and exclude those you don’t require. If, for instance, you have no plans to take your car abroad, European touring cover becomes unnecessary, and excluding it from your policy can lead to cost savings.

  • Opt for a higher voluntary excess: Choosing a higher voluntary excess means you agree to contribute more towards the cost of making a claim. While this approach can lead to reduced premiums, ensure that the excess amount you set remains affordable for you.

  • Compare insurance deals: Shopping around and comparing quotes from different insurance providers can be a valuable tactic. By exploring a range of deals, you increase your chances of finding a policy that aligns with both your needs and budget.

Finding the right balance between cost and cover is essential when insuring your kit car.

By implementing these cost-cutting strategies and seeking out competitive deals, you can get the best insurance cover for your unique automotive masterpiece while keeping expenses under control.

Prioritise both protection and value as you embark on memorable journeys with your meticulously crafted kit car.

Frequently asked questions

The world of kit cars boasts an impressive array of options, with a vast selection to choose from. Among the most popular choices, two prominent names that stand out are Westfield and Caterham Seven.

  • Westfield: Westfield kit cars have gained widespread acclaim for their exceptional craftsmanship and thrilling driving experiences. These vehicles offer a blend of dynamic performance and eye-catching designs, appealing to enthusiasts seeking a perfect fusion of style and speed.
  • Caterham Seven: The Caterham Seven is another beloved kit car brand renowned for its lightweight, minimalist design and exceptional agility. Built upon the iconic Lotus Seven platform, these cars deliver exhilarating handling and performance, capturing the essence of pure driving pleasure.
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Beyond these two giants, the kit car universe is teeming with diversity, catering to a broad spectrum of tastes and preferences. Enthusiasts can explore an assortment of classic and contemporary designs, ranging from replicas of legendary sports cars to innovative and futuristic creations.

Whether you crave the nostalgia of vintage roadsters, the allure of modern supercars, or the thrill of building a unique vehicle that reflects your personality, the realm of kit cars offers something for everyone.

Embrace the joy of customisation and let your automotive dreams take shape as you delve into the vast and exciting world of kit cars.

When it comes to buying a kit car, you have various avenues to explore, making it easier than ever to embark on your dream automotive journey. Here are some popular options to consider:

  • Online platforms: The digital era offers an abundance of opportunities, and you can begin your kit car quest online. Websites like eBay provide a convenient platform to browse and purchase kit cars. On such platforms, you can find a diverse range of kit car offerings from various sellers.

  • Specialist companies: Seeking assistance from specialist kit car companies is an excellent way to ensure a smooth and tailored buying experience. These companies have expertise in the kit car realm, and they can help you configure and order your dream kit car precisely to your specifications.

  • Kit car shows and events: Attending kit car shows and events can be an immersive experience, providing an opportunity to interact with manufacturers, dealers, and fellow enthusiasts. These gatherings often showcase a wide selection of kit cars, allowing you to explore different models in person.

  • Automotive magazines and publications: Keep an eye on automotive magazines and publications, as they may feature advertisements and articles related to kit cars for sale. These resources can offer valuable insights and connections within the kit car community.

  • Direct from manufacturers: Some kit car manufacturers sell their products directly to consumers. Exploring manufacturer websites and contacting them directly can lead to personalised buying experiences and access to the latest offerings.

Remember that when purchasing a kit car, research and due diligence are crucial. Ensure that the seller is reputable, and if possible, examine the vehicle in person or request comprehensive documentation.

Embrace the excitement of exploring the world of kit cars, and soon, you’ll be on your way to owning a unique and thrilling automotive masterpiece that reflects your passion and individuality.

When it comes to kit cars, the cost can vary significantly based on the specific model and specifications you opt for. Prices span a wide range, offering options to suit various budgets and preferences. Here’s a glimpse of what you can expect:

  • Budget-friendly options: For those looking to enter the world of kit cars without breaking the bank, there are more affordable choices available. Some entry-level models, such as the MEV-Exocet, can start at around £4,500. These options provide an excellent foundation for enthusiasts who wish to experience the thrill of building and driving their unique vehicles.

  • Mid-range selections: As you venture further into the kit car market, you’ll find a diverse assortment of mid-range options. These vehicles often offer a balance of performance and style at a reasonable cost, catering to a broader audience. Prices for such models may range from £15,000 to £25,000.

  • High-end masterpieces: At the top end of the spectrum, you’ll encounter sophisticated and top-of-the-line kit car models. These exclusive creations, boasting advanced features and high-performance capabilities, can reach prices of up to £50,000 or even higher. These premium offerings cater to enthusiasts seeking the pinnacle of automotive craftsmanship and driving experiences.

Ultimately, the cost of your kit car will be influenced by the level of customization, the choice of components, and any additional upgrades or features you select.

Whether you’re on a budget or seeking the epitome of automotive excellence, the world of kit cars has something to offer for every enthusiast.

Embrace the journey of discovering your ideal kit car, and soon you’ll be revelling in the joy of driving a truly unique and handcrafted automotive masterpiece.

Yes, driving kit cars on public roads is permitted, but there’s an essential prerequisite to fulfill before hitting the open road.

Kit cars must undergo the Individual Vehicle Approval (IVA) test to ensure they meet the necessary safety and environmental standards.

The IVA test is a critical inspection conducted by the Driver and Vehicle Standards Agency (DVSA) to ensure that your handcrafted vehicle complies with the legal requirements for road use.

Once your kit car successfully passes the IVA test and is deemed roadworthy, you can legally drive it on public roads.

It’s important to prioritise safety and legality when owning and driving a kit car. Before taking your prized creation on the road, ensure it has undergone the necessary inspections and met all the statutory requirements.

Embrace the joy of exploring new horizons in your meticulously crafted kit car while adhering to the rules of the road and fostering a responsible and enjoyable driving experience.

The timeline for constructing a kit car can vary significantly based on several factors unique to each individual.

The type of car being built and the amount of time one can dedicate to the project are crucial considerations.

While there is no fixed duration for completing a kit car, some enthusiasts can finish their builds in a matter of weeks or months, while others may take several years to achieve their automotive masterpiece.

The process often involves meticulous attention to detail, customisation, and fine-tuning to create a unique vehicle tailored to personal preferences.

During the build phase, it’s crucial to safeguard your investment against potential risks.

Even if your kit car is not yet road-ready, it can still be exposed to dangers such as fire, theft, or accidental damage. To protect your hard work, ensure that your insurance policy includes build-up cover.

This specialised cover ensures that your kit car is protected throughout the construction process, providing peace of mind and safeguarding your financial investment.

Remember, whether you’re on a fast track to completion or taking your time to perfect every detail, building a kit car is a rewarding and exciting endeavour.

Prioritise safety, adhere to best practices, and enjoy the journey as you bring your dream car to life.

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