In the UK a large number of cars fall into categories that the majority of mainstream car insurance companies do not want to cover! Specialist Car insurance will save you money if you are Young Drivers Female Drivers 2 or more previous Accidents / Claims 2 or more driving convictions Any Criminal conviction Any driver with disability or medical condition Any person who has had insurance refused / cancelled Drivers over 75 years old Channel Islands & Isle of Man covered Non standard occupations i.e. Footballer, Actor etc. and anyone who drives the following vehicles: Kit Cars Classic Cars Imported cars, Japan, Australia etc. Left Hand Drive Cars American Cars Modified cars Custom Cars Hot Hatch Cars / High Performance Military Vehicles Camper vans Vans used for pleasure Motorhomes Exotics cars, Ferrari etc Cars over 20 years old Mini’s & Beetles High rated Areas Wedding Cars Limo’s Driving Tuition Van Insurance / Commercial Vehicle Modified Cars American imports Double Cabs Pick Ups Grey Imported cars Car insurance companies employ people called actuaries who constantly check statistics and data to come up with rates for various risks.
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