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Specialist Car Insurance

We all want cheap specialist car insurance, try us today and see how much money you could save on your specialist car insurance.

We all want cheap specialist car insurance, try us today and see how much money you could save on your specialist car insurance.

Benefits of our Specialist Car insurance policies

Getting you the best specialist car insurance quotes

Car insurance isn’t a one size fits all. Every make, model and derivative comes with its own set of risks and can therefore result in a different cost to insure. However, there are some makes, models and even whole categories of car that mainstream providers tend to avoid like the plague; either declining cover or disproportionately loading the price in order to put you off buying.

The solution is specialist car insurance. Providing bespoke cover for classic cars, modified cars, imported cars, kit cars and more, you’ll not only get cover that’s better suited to the risks associated with owning a unique set of wheels, but you could save a small fortune in comparison to the cost of insuring with the few mainstream providers who are willing to quote.

One Call Insurance acts as a comparison site at new business and will compare prices from our own panel of providers which offers a fair analysis of the market. If we can't provide you with the best quotation then we will show you the best available elsewhere!

If you choose an alternative to One Call then you will be transferred away from our website. We offer a non-advised service to our consumer which just means we cannot provide a recommendation, however we will provide you with enough information to be able to make an informed decision. If you unfortunately have any issues with the cover you have purchased via Quote Zone please contact your chosen provider directly.

Specialist car insurance policy features

When you come to One Call Insurance to compare specialist car insurance quotes, you’ll get a whole host of features and benefits, such as:

Our specialist car insurance policies are expertly tailored to meet the risks and requirements of your specific car, whether you drive a classic 1980s VW Beetle, a one-off self-build or a modified Nissan GT-R Nismo.

We don’t simply give you the first quote we obtain; instead, we compare a panel of specialist providers based on your requirements and subsequently present you with the most suitable cover at the best price.

One Call Insurance is rated the UK’s No1 for car insurance according to independent review website, Review Centre. This rating is based on genuine feedback provided by more than 35,000 One Call Insurance customers.

Our dedicated claims department are open 24 hours a day, seven days a week, so if you’re ever involved in an accident, fire or your car is stolen, rest assured we’re here to answer your call and provide any necessary assistance.

Further information...

There are many categories of car that are likely to require a specialist car insurance policy, but the most common are:

Given the specialist nature of classic cars, mainstream insurers tend to steer away from insuring them all together. That’s where specialist classic car insurers come in, often having built up many years of experience in this area, they have a good understanding of the different risks that classic cars pose, how they’re generally kept and used, values and rarity, all of which enables them to provide the right cover at the best price. You can find out more about insuring a classic car via our classic car insurance page.

If you own a 4x4, you should be able to get quotes from mainstream insurers. However, if you drive something out of the ordinary, you have a modified 4x4 or you intend taking it off-road for fun or to compete in an event, rally, race etc., you’ll more than likely need a specialist 4x4 insurance policy.

Most insurers are willing to insure cars with basic modifications such as aftermarket alloy wheels, a vehicle wrap or window tints. However, when more complex modifications are thrown into the mix, it can significantly increase the complexity of providing a quote, but also the risks involved in insuring such a car.

That’s where specialist insurers come in. They not only gather the usual info such as name, address, make & model of car, intended use etc., but they also look at what’s been modified, what impact it has on performance, how much the modifications cost to carry out and whether or not they are road-legal. While this added work and increased complexity means mainstream insurers are likely to decline cover, it enables a specialist insurer to provide a quote based on a thorough assessment of the risks and gives you peace of mind, knowing that if your car is damaged, destroyed or stolen, you have the right cover in place.

Most mainstream insurers will simply refuse to provide quotes for kit cars. Often owned and kept as a second car, as a side-project or to attend clubs and shows, due to their home build nature they tend to have varying build qualities, and all things considered, carry completely different risks to your bog standard Ford Fiesta. Specialist kit car insurers, however, are willing to insure them and cover isn’t generally as expensive as you might think.

If you have a custom built car, you’ll almost certainly be unable to obtain an insurer quote from a mainstream insurer. Given the fact that custom cars come in all shapes and sizes, with varying degrees of build quality and often self-determined values, quoting and providing cover falls well within specialist territory.

For a start there isn’t a pre-determined list of makes, models and derivatives that can be used as part of the quotation process. Instead, a prospective insurer will discuss the build at length, including the power source and construction as well as intended use, they may even insist on sifting through an engineer’s report and any other paperwork you have in relation to the build.

Imported cars are treated as non-standard vehicles by most insurers, often resulting in a struggle to get a quote, never mind a good price. An import is essentially any car that you have imported from another country; this might be a Left Hand Drive (LHD) Ford Mustang or an Acura NSX, for example. They fall into two categories; grey imports and parallel imports. The first of these incorporates anything that hasn’t been EU-approved, which makes it even harder to get a quote, the latter of the two incorporates cars that are imported from other EU countries and therefore have the same or similar specification to their UK registered counterparts.

From a grey import perspective, it’s much harder for an insurance company to determine the risks posed. For example, does it meet the required safety standards for use on UK roads and if it is involved in an accident and subsequently requires replacement parts; how easy will they be to source and how much will they cost? However, specialist insurers are experienced in handling the different risks posed by imports, and often well connected when it comes to assessing the likely availability and cost of parts and are ultimately best placed to provide the right cover, at the best price.

There are many things you can do to keep the cost of insuring your classic, modified, custom or imported car down, such as:

Do you want more insurance?

Do you own or rent a house? We have a range of insurers on out panel to give you the best possible cover.

Do you ride a motorbike, scooter or moped? We have a wide range of insurers on our panel to give you the best possible cover.

If you drive a van and not a car but want personal van insurance for social use only we can give you the cover you need.

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One Call Insurance Services Limited - Registered Office: First Point, Balby Carr Bank, Doncaster, South Yorkshire, DN4 5JQ. We are authorised and regulated by the Financial Conduct Authority (FCA) for general insurance business. You can check our authorised status at register.fca.org.uk using our registered number 302961. Registered in England and Wales, Company Number: 04693136.

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