Kit Car Insurance

Kit Car Insurance

Are you a proud owner of a unique and custom-built kit car in the UK? If so, it’s essential to ensure your prized possession is adequately protected with the right insurance cover. Kit cars are more than just vehicles – they’re a labour of love and a reflection of individuality. Here, we will delve into everything you need to know about kit car insurance in the UK, from understanding what it entails to finding the best deals available. Let’s rev up our engines and explore the world of kit car cover!

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Get FREE quotes for Kit Car Insurance by completing the short form below. Whatever your requirements we'll connect you with fully regulated Insurance Brokers near you who will provide you with free advice and quotes without any obligation to proceed. Once you have reviewed the provider, you can call contact them directly by phone where you will be able to discuss the policy details and your requirements with them.

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Quotes are provided through Brokers who have access to trusted insurance providers and are all authorised and regulated by the Financial Conduct Authority.

What is a Kit Car and Why Do You Need Insurance?

A kit car is a vehicle that you build yourself, often from a kit containing all the necessary components. It's like putting together your own customised ride, tailored to your preferences and style. Each bolt tightened by your hand adds a personal touch to the final masterpiece on wheels.

While building and driving a kit car can be an exhilarating experience, it also comes with its set of risks. Accidents can happen regardless of how careful you are behind the wheel. That's where kit car insurance steps in to provide financial protection in case things go awry.

Having insurance for your kit car ensures that you're covered for repairs or replacements if your pride and joy gets damaged or stolen. It gives you peace of mind knowing that you won't have to bear the full financial burden alone in case of unforeseen circumstances on the road.

Types of Kit Car Cover

When it comes to insuring your kit car in the UK, there are different types of coverage options available to meet your specific needs.

One common type is Third Party Only insurance, which covers damages and injuries to third parties involved in an accident but does not cover damage to your own vehicle.

Alternatively, you can opt for Third Party Fire and Theft insurance, providing the same coverage as Third Party Only with added protection against fire damage and theft of your kit car.

For more comprehensive coverage, consider Fully Comprehensive insurance. This option includes all the benefits of Third Party Fire and Theft along with coverage for repairs or replacement of your own vehicle in case of an accident.

It's essential to evaluate your driving habits and budget carefully when choosing the right type of kit car cover for you.

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Factors Affecting Kit Car Insurance Rates

When it comes to kit car insurance rates in the UK, several factors can influence how much you'll pay for coverage.

One significant factor is the value of your kit car. The more expensive and powerful your vehicle is, the higher your insurance premiums are likely to be.

Your driving record also plays a role in determining your insurance rates. If you have a history of accidents or traffic violations, insurers may consider you a higher risk and charge you more for coverage.

Where you live can impact your kit car insurance rates as well. Urban areas with high crime rates may result in higher premiums due to increased risk of theft or vandalism.

The level of coverage you choose will also affect how much you pay for kit car insurance. Comprehensive coverage that includes protection against theft and damage will typically cost more than basic liability coverage.

How to Find Affordable Kit Car Insurance

Looking for affordable kit car insurance in the UK? Here are some tips to help you find the best deals.

Consider shopping around and comparing quotes from different insurance providers. This can help you identify the most competitive rates available for your kit car.

Additionally, think about opting for a higher excess on your policy. By agreeing to pay a larger amount towards any claims, you may be able to reduce your premium costs.

Another way to save money on kit car insurance is by joining a specialist car club or association. Some insurers offer discounts to members of these groups.

Moreover, improving the security of your kit car with features such as alarms and immobilisers could lower your insurance premiums.

Maintaining a clean driving record and avoiding making claims whenever possible can also contribute to securing more affordable insurance rates for your prized kit car.

Compare Car & Fleet insurance Quotes

Find car & fleet car insurance cover at the right price by comparing deals from leading UK insurers, all in one place.

Quotes are provided through Brokers who have access to trusted insurance providers and are all authorised and regulated by the Financial Conduct Authority.

Top Kit Car Policy Providers 

Looking for the top kit car insurance providers in the UK to protect your prized possession? Here are some of the most reputable companies you may want to consider when insuring your kit car.

One popular choice is Adrian Flux, known for their specialised insurance offerings tailored specifically for kit cars. They understand the unique needs of kit car owners and provide comprehensive coverage options.

Another trusted provider is Footman James, offering competitive rates and excellent customer service. With their expertise in classic and specialist vehicle insurance, you can ensure your kit car is in good hands.

For those looking for a more personalised touch, consider Lancaster Insurance. They have a dedicated team that can help customise a policy to suit your individual requirements.

When it comes to protecting your beloved kit car, choosing the right insurance provider is crucial. Do your research and compare quotes from different companies to find the best coverage at an affordable price.

Common Mistakes to Avoid When Insuring Your Kit Car

When insuring your kit car in the UK, there are common mistakes you should avoid to ensure you get the right coverage at the best price. One mistake is underestimating the value of your kit car - make sure it's accurately assessed for insurance purposes. Another pitfall is not disclosing all modifications made to your vehicle, which could lead to issues with claims later on.
Additionally, choosing a high excess might seem like a good way to lower premiums, but be cautious as it can leave you with hefty out-of-pocket expenses in case of a claim. Neglecting to shop around and compare quotes from different providers is also a blunder that could cost you money.
Furthermore, failing to read and understand the policy details thoroughly can result in surprises when making a claim. Don't forget about security measures - installing approved alarms or tracking devices may help reduce premiums and protect your prized possession.

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Additional Tips for Getting the Best Kit Car Insurance Deals

When looking for the best kit car insurance deals in the UK, consider joining a kit car owners' club. These clubs often have partnerships with insurance providers, offering exclusive discounts to members.

Another tip is to opt for higher deductibles on your policy. While this means paying more out of pocket in case of a claim, it can lower your monthly premiums significantly.

Shop around and compare quotes from multiple insurance companies. Different insurers may offer varying rates and coverage options tailored to your specific kit car model.

Installing security features such as alarms, immobilisers, or tracking devices can also help reduce insurance costs by making your kit car less vulnerable to theft.

Maintaining a clean driving record and building up a no-claims bonus over time can lead to lower insurance premiums as insurers see you as a lower risk driver.


Kit Car Insurance in the UK is essential for protecting your unique vehicle on the road. Understanding the types of coverage available, factors affecting rates, and how to find affordable insurance is crucial for kit car owners.

When looking for the best insurance deals, consider top providers in the UK market and avoid common mistakes that could impact your coverage. By comparing quotes online from different companies, you can ensure you get the most suitable policy at a competitive price.

So whether you own a classic replica or a custom-built kit car, make sure to prioritise getting quality insurance that meets your needs. Stay informed, shop around, and drive with confidence knowing your prized possession is well protected on every journey.

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