Kit Car Insurance
Tailor-made Kit Car Insurance policies for your cherished vehicle. This type of cover requires an insurer or broker who possesses specialist knowledge and experience to give you a complete and fully comprehensive policy at a low premium.
You could save money today!
Click through on the ‘Get a Quote’ button above to compare kit car insurance quotes from leading niche and mainstream UK motor insurers, and obtain the most suitable fully featured cover and protection you require.
The Quotezone click and compare service is entirely free to use. It is a totally independent and impartial insurance comparison site, already helping over 1 million drivers across the UK to get the best deal.
FAQs for Kit Car Insurance in the UK
What is kit car insurance?
Kit car insurance is a specialist type of motor insurance designed for vehicles that are built, modified, or assembled by individuals, rather than mass-produced by manufacturers. Because kit cars vary widely in value, performance, and construction quality, standard car insurance usually isn’t suitable.
Can I insure a kit car while it’s still being built?
Yes. Many specialist insurers offer “build-up” or “laid-up” insurance. This covers: The kit parts; Tools; Theft, fire, or damage during construction; However, it does not allow road use until the car is fully completed, registered, and road-legal.
Do I need IVA approval before getting kit car insurance?
For road insurance, yes. Your kit car must pass the Individual Vehicle Approval (IVA) test before it can be registered with the DVLA and insured for public road use. Before IVA, you can still insure the vehicle under build-up insurance.
Is kit car insurance more expensive than normal car insurance?
Not necessarily. While kit cars are specialist vehicles, insurance can be surprisingly affordable because: They’re often driven fewer miles; Owners tend to be enthusiasts who take good care of them; Many policies are limited-mileage. Costs depend on: Engine size and power; Build value; Driver experience; Storage (garage vs street).
Can I insure my kit car for its agreed value?
Yes — and this is one of the biggest benefits of specialist kit car insurance. An agreed value policy means you and the insurer agree on the car’s value upfront (based on receipts, photos, and build details). If the car is written off, you’re paid that amount — not a depreciated market estimate.
Who offers kit car insurance in the UK?
Kit car insurance is usually provided by specialist brokers, not mainstream insurers. Well-known UK specialists include: Adrian Flux; Footman James; Performance Direct; Brentacre. They understand kit cars, modifications, and custom builds far better than standard insurers.
There are few deals in the general motoring insurance market that are worth pursuing. Often it is better practice to utilise a specialist Kit & Replica Car Insurance Department such as that offered by certain intermediaries.
Delivering well tested insurance policies providing cover for over 250 different makes and components. From build to road, and a fully featured goods in transit policy to cover you collecting you kit car from the manufacturers. Competitive rates can be acquired for – Caterhams, Westfields, Robin Hoods, Cobra replicas, Beaufords, Lomax & Quantumand, and all Lotus Seven Replicas.
Excellent discounts can be obtained by proving club membership, and ensuring safety and security measures are in force. Each application is risk assessed on it’s individual merits and driver/kit car profile. Features of the best policies can include:
- Free Green Card Cover
- Option to retain salvage
- Windscreen and Window cover
- Full UK and EU breakdown and recovery service
- Special terms for replicas
- Collection discounts
- Flexible mileage options
- Collectors Policies
- Rally Cover
- Wedding Hire