Kit Car Insurance

A kit car insurance policy requires a specialist insurer to fully understand the requirements of both owner and vehicle. Whether you are using your car for weekend only driving or are on the roads more frequently, it pays to find the most suitable cover.

Possibly the biggest influence on the premium quoted will be the power to weight ratio between the engine size and the size and weight of the vehicle. You are responsible for choosing the engine for your car and if you insist on fitting a V10 450bhp engine to a kit car weighing no more than a smart car, then you can expect a hefty premium!

Through Officefile you can obtain low quotes from niche brokers, intermediaries and online aggregators. Try and acquire several different examples of premiums and cover levels from alternative companies. Always declare to the insurer everything which is relevant to the kit car and could affect the policy and subsequent quote.

Most kit cars you will see on the roads are either classic or sports replicas. In previous years all kit cars were identifiable with a registration number containing the 'Q' prefix. However, the DVLA will now accept the registration prefix applicable when the car is registered.

Constructing a kit car is a time consuming hobby, but to many enthusiasts it is considered a labour of love. The majority of parts are supplied by the manufacturer and often assembled by the owner in his or her garage or lock-up. Most vehicles you will see out and about will be replicas of iconic sports and classic cars. They will use body parts supplied by the manufacturer with engine, wheels, transmission, and other vital parts chosen by the owner.