Kit or Replica Car

We are passionate about insuring car enthusiasts who have modified or imported their vehicles, from those that choose to extensively modify their rides, to others that simply want to stand out from the crowd. 

Modified and import cars are an enthusiasts passion and come with their own special complexities that require specialist knowledge to insure. Our modified and imported policy will ensure the owners pride and joy is protected.

Dedicated claims handling team who will discuss repair options
Salvage retention option to customer following total loss
Multi vehicle coverage for kit and replica cars
Up to 90 days European use per trip
Loss of keys and lock replacement, child seat cover and personal belongings cover
Cover for public road rallies and trials, treasure hunts, road safety and non-competitive rallies
Stand alone breakdown cover available
  • Kit and replica cars (incl. Q plated) that are not the sole vehicle or used daily
  • Motorcycle engined kit cars (subject to driver age and experience)
  • Drivers aged 17 to 85 (subject to experience and vehicle type), apart from those with unemployed occupational status
  • Vehicle or owner based in the UK
  • Vehicle must be stored in a private garage/locked building, driveway or professional storage facility
  • SD&P, commuting, personal and company business use, occasional wedding hire use (subject to annual milage)
  • Claim free risks through to those with multiple claims and/or single large losses
  • Conviction free drivers through to drivers with motoring convictions and criminal convictions
  • Vehicles with a value over £1,500 and with no upper value limit
  • All postcode areas (subject to vehicle storage and security requirements) All basis of cover (comprehensive through to "laid-up" ADF&T)

Got a Kit or Replica Car risk that needs underwriting?