Advice For Insuring an Imported Car

If you are planning to purchase an imported car then you must carefully consider your insurance options, because finding cover may not be as easy as you think. However its not impossible, you just need to be ready and armed with the right questions.

While you can get a great deal on the purchase of an import by buying it abroad, you can lose those savings when you pay higher insurance premiums. That is why it is helpful to research insurance before you even buy your import, and to get several quotes to be sure you get the most competitive rate. That’s especially true if you are importing a sports car. The rates for sports cars are always higher because of the higher frequency of sports car crashes.

Most insurance companies will insure an imported car as long as they can locate the car?s registration number. If they cannot locate the registration number, then see if the insurance company can find the exact vehicle model in the company look up table. If that does not work, then see another insurance provider.

Many insurers will offer policies only for the most popular makes, and then only at often very low market values. Other companies will write policies for modified imported vehicles as long as the modifications are not “substantial.” If the modifications are deemed “substantial,” then you probably need to find a carrier specializing in substantially modified imported cars. One carrier may rate your modifications are “substantial,” while another may not. This is why it is so important to do your research.

Some companies will not insure European versions of a UK car, but with left-hand drive. This is something you should be aware of when you decide to import your car and consider insurance.

Don’t forget to check your car’s security fittings. These are very important for determining whether your vehicle can be insured at all, and also have considerable impact on cost. Not having the proper security fittings

It’s true that finding the right policy for your imported car is usually a chore, but it is not impossible. Research, and ask questions. Get your dealer to give you advice. Ask your insurance provider if joining a club or organization of imported car owners will get you a lower rate?often times insurance companies may special deals with organizations of imported car owners. Make certain that you get all the discounts that are due to you. And finally make sure you purchase insurance for your car. It’s an expensive investment, and you want it fully covered.

Copyright (c) 2009 Graham McKenzie