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Having a roster of cars has plenty of perks but it also comes with added levels of responsibility. You have several cars to protect so getting the right insurance deal is incredibly important. Meanwhile you’re going to have to think more carefully about maintenance and storage, particularly if any of your cars are prestige or classic.
Think about the number of cars in your collection and how much they’re worth. Then think about the following:
As someone with several cars you probably know the drill when it comes to insurance. However, you might not have gone through all the different options, so it’s worth going over the three basic policy types you can get.
Third party insurance is the minimum level of coverage you need to take to the streets in Britain. Should you injure another driver or damage their car, it will pay for any medical or repair costs. However, you won’t receive a penny.
Third party, fire and theft is essentially the same level of coverage as above, but it will give you financial help if your car is stolen or damaged due to a fire.
Or you can get a comprehensive policy. If you have a car or a collection of cars that are incredibly valuable, then this might be the way to go. Not only does it offer all the same levels of protection as third party, fire and theft. With a comprehensive deal the insurer will pay out for any damage to your vehicle, even if the accident was your fault.
Beyond comprehensive and collision coverage, you can choose between these insurance policies:
Ask your insurer about these discounts:
If you have an expensive classic or modified car you’ll probably want to ask your insurer for an agreed value deal. Should you have to go through the ordeal of having your car declared a total loss, it will ensure you’re compensated for a higher amount – whatever you agree with the insurer.
If you don’t get an agreed value policy then the insurer will only pay you market value in the event your car is written off.
Why could this be disastrous? Well, given your classic car may be several decades old, the insurer might offer far less than what you think it’s worth. Reasoning that old cars depreciate in value, the insurance company might ignore the fact it’s been well preserved and looked after over the years.
The right storage will keep your car collection secure and help lower your premiums. Key factors to consider when working out how you’ll store your vehicles include, what time of year it is, the age and value of your cars and how long they’ll be in storage.
Yes, as long as they’re secure and insured.
If possible, take a trip to the storage facility so you can answer these questions for yourself:
Once you’ve found a climate-controlled, secure storage space, prep your car with some basic maintenance.
Make sure your car is ready for the road by following these tips:
It takes a lot to keep a collection of cars pristine and in good working condition. It’s clear that maintenance and storage are crucial in protecting your roster of vehicles.
Each and every car needs to be insured too, and you might well find a mutlicar policy or even a specialist car collector’s insurance deal is what you need for all your various vehicles.
As always though, work out what level of coverage you want for your motors then shop around and compare all the different options out there.
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