Sureterm Direct specialises in all types of kit car and replica car insurance - including AC Cobra, Caterham, Ginetta and Westfield.

Sureterm tips on how to get cheaper Kit Car insurance

• Being or becoming a member of a kit car club will often get you a 15% discount through Sureterm Direct.
• Garage your kit car if you can.
• Opt for a voluntary excess or increase the excess above the required minimum.
• Fitting an Immobiliser, Alarm or Tracker will benefit from even further discounts.
• Insure your kit car through Sureterm Direct Insurance!

• 24 hour Claims Assistance. We are there when you need us
• Message forwarding in the event of an accident
• Free loan car during repairs
• Agreed values
• Drivers any age
• Business use
• Limited mileage discounts
• Salvage retention options
• Spare parts cover
• Static Rally, greenlaning and show cover
• Annual green card
• Breakdown Cover
• Modified kit car?  No problem
• Outstanding rates for Great Britain and Northern Ireland residents

Some common kit car insurance policy items and glossary of terms:

Agreed value: If you have added lots of accessories or worked hard on major modifications to your kit car, you may wish to have the insured value of your vehicle reflect it's true worth. Sureterm Direct Insurance can include an Agreed Value upon request at no additional cost on most kit cars.
Approved repairer: A repairer we have approved and authorised to repair your kit car following a claim.
Betterment: Where the results of repairs or replacement due to the loss of your kit car results in the insured receiving something better than he had before the loss. The difference is known as "betterment." In most instances, this difference is discussed before the repairs or replacement is made and the insured has agreed to an appropriate figure as to his contribution for this "betterment." This is also referred to as "new for old."
Compulsory Excess: If you make an insurance claim, this is the amount you agree to pay yourself to repair your kit car.
European Use / Green Card: If you drive your kit car abroad, this is insurance designed to make it unnecessary to apply for insurance at the border of each country. It confirms that you have at least the minimum legal insurance cover.
Insurance is the transfer of risk by an individual, such as yourself, for your kit car, or an organisation, such as your business, to the insurance company. You or your organisation will thus be known as the policy holder for the kit car. The insurance company receives payment in the form of a premium and will compensate you in the event of losses or damages sustained by you or your kit car.
Legal Expenses Insurance: Legal Expenses Insurance is an optional extra to your kit car insurance to meet legal and recovery costs for your “uninsured losses” resulting from an accident. For example, you may need to sue the Third Party for recovery of your out of pocket excess after an accident involving your kit car. You may also have had to hire a kit car or may need to obtain compensation for an injury arising from an accident, which was not your fault. Such things are not always covered under your kit car insurance policy itself. A legal expenses policy to meet those legal costs is a must.
Limited mileage: If you do not drive excessive miles in your kit car, Sureterm Direct Insurance allows you to have a cheaper premium based upon an agreed maximum annual mileage. 
No-Claims Bonus: You get a discount on your insurance premium if you drive your kit car without making a claim on its insurance. It is sometimes possible to pay extra to protect your bonus in the event of a claim.
Proposal Form: The proposal form is the basis of the contract for insurance on your kit car. It is probably the most important aspect of the cover process. This form may be a written hard copy form or may be taken from the entered details on the system. As insurance is an intangible product whose price is based on the information provided by you then any errors or non-disclosure of material facts can result in the policy being voided. Check with your insurance advisor if you have any difficulties or need advice. Also, if you know of something, which the Insurance Advisor ought to know, but the proposal form doesn’t ask that question, do not think that you do not have to tell them. You have a legal duty to disclose all facts.
Salvage retention: Your kit car may be declared a write-off. Sureterm Direct Insurance allows as standard a buy back option to buy back the wreckage in the event of a major accident. In some cases however, the kit car is so badly damaged that the insurance company is required by law to have the vehicle destroyed.
Voluntary excess: You can sometimes get a cheaper insurance premium on your kit car by arranging to pay an agreed sum in the event of a claim
Windscreen Cover: Windscreens are only covered under Comprehensive Private Car policies through Sureterm Direct Insurance and are subject to different excesses than the main policy. A damaged windscreen on your kit car (i.e. scratched) may not have any excess if repaired by the approved Insurers Windscreen Company. Windscreen claims rarely affect the no claims bonus.

Types of kit car insurance policies that Sureterm insurance offer:

• Comprehensive Kit Car Insurance
This is the highest level of kit car insurance available. It will cover Thirty Party, Fire and Theft but will also cover damage or loss of your own kit car up to the insured value of the vehicle. Comprehensive kit car insurance will also cover you against death or injury to yourself and your spouse (if they are travelling with you). With Sureterm kit car insurance, our cover includes Glass Cover, another kit car in the event of an accident, an approved repairer network, salvage retention option and agreed value even upon request.

• Third Party Fire and Theft Kit Car Insurance
In addition to the cover offered at Third Party level you also have kit car insurance incase your kit car is stolen or damaged by a fire.
 
• Third Party Insurance
The law requires that you have this minimum level of insurance. If you are even partly to blame for an accident then your insurance company will pay for the other person’s kit car, car or property and also for any injury to them. This level of kit car insurance is very cheap but will not cover any damage to your own vehicle.

Call now on 0800 999 2030 for a FREE Kit Car insurance quote and learn about the savings and the increased policy benefits we offer.

SURETERM DIRECT...1st FOR KIT CAR INSURANCE