Kit Car / Specialist
As kit car owners ourselves, we appreciate the importance of finding the right cover at a reasonable price, whether it be cover to get your new kit car home from the manufacturer, cover whilst in build, proof of insurance to get your new car registered, or cover for a kit car already on the road. We are the preferred insurance source for many kit and specialist car manufacturers, looking after their needs on our exclusive scheme for over 25 years. So many manufacturers asked us to look after their customer insurance needs that we started our popular kit build-up and on-the-road schemes, recommended by many owners, owner clubs, manufacturers and magazines.
The MSM kit car build-up and kit on-the-road insurance schemes are intended for kits from recognised manufacturers, past and present, rather than one-off specials. We can quote for most three or four wheelers, with just a few exceptions. In most cases cover is available to drivers age 18 to 74, up to a maximum of 4 drivers per policy, minimum 12 months full licence and UK resident. Maximum insured value is £75,000 but cars exceeding £35,000 are subject to our security device requirements being met (Thatcham Cat 1 alarm & immobiliser or an approved tracking system).
Our on-road scheme provides a choice of Third Party Fire & Theft or Comprehensive cover, but the maximum insured value under the TPF&T option is £5,000. We can include commuting to / from work or limited business use at no extra cost and for an appropriate vehicle such as the Beauford Tourer, Royale Windsor, Bramwith, or Imperial Landaulette we can also offer cover for occasional wedding hire.
Discounts are available for limited mileage, limited number of drivers, membership of a recognised owners club, age of drivers, car age, lower value cars, approved security devices etc. Furthermore the careful driver is rewarded with no-claims discount and this can in most cases be protected after the first year claim-free (minimum of 4 years NCD required for protected). No need for a transferable no-claims discount either as we can mirror the record you hold elsewhere, even if on a company car.
Full payment can be made by cheque, card or electronic transfer, or monthly instalment facilities are available subject to an interest charge, and a deposit is payable in the first year. Our policies include cover for travel in Europe. Don't forget we can arrange travel insurance too! Uninsured loss recovery / legal expenses cover is normally included but can be deleted.
UK & European motor breakdown cover (roadside assistance and full recovery) is also available, whether or not you hold a motor policy through MSM.
All quotes are subject to satisfactory proposal and other supporting information - we reserve the right to withdraw or change the terms of a quote, or in extreme circumstances restrict or withdraw cover.
Overnight garaging is required at the home or normal car storage address for all cars valued at £20,000 or more, and in certain postcodes garaging is required irrespective of car value. We regret we are unable to quote for some postcode areas due to past claims experience in those areas.
We do not include track-day cover in our road policies. We firmly believe track cover should be purchased separately, so that you are not forced to claim on your normal road insurance for a brief trip into the "kitty litter" or tyre wall.
If your kit car is one of a collection of vehicles and you have more vehicles than drivers in your family don’t forget that we offer competitive terms on our multi-car scheme, under which most vehicle types can be accepted – minimum driver age 25 in most cases. Please complete our multi-car enquiry form or email us a list of vehicles and drivers and your contact details and we will be pleased to discuss your requirements.