Insuring American Cars
Not many of us can say we haven't dreamt about driving a Mustang with the top down along a long, winding, Californian coastal road; Born to be Wild blaring out of the sound system and the wind rushing through our hair.
Now simply switch the golden American coast with the green fields and bustling cities of the UK, and the dream can become a reality.
Learn all about insuring your American car and how to save where possible with our guide.
In this guide:
Will I need a specialised insurance policy to cover my American car?
Broadly speaking, you’ll need the same kind of insurance to cover an American import as you would a British car; you may just have a few extra specific needs, to do with finding appropriate replacement parts for example.
One key difference is that often, to insure an American import, you will need to be at least 25 years old. However this won’t always be the case, though you may find that if you can take out a policy as someone under 25, you’ll be paying quite significantly more.
Insuring imported cars from any country tends to come with certain requirements and stipulations that mean many insurers simply won’t do it.
This is mainly down to the fact that many imported cars, particularly from countries like the US, are not built to UK or EU specifications with regard to, say, engine performance and size.
Repairs to an American car will tend to cost a little more than they would for one built in the UK, purely because of the cost of acquiring the parts.
What if I want to insure a classic American car?
There is a lot of crossover when it comes to insuring classic cars and American imports, which of course come together when insuring a classic American car.
Drivers of both kinds of car often take them to shows or races around the country or abroad, and if you are planning to do this, you’ll want to make sure that your insurance policy covers you to do so.
Specialised classic car policies will be available, and since drivers of classic cars tend to both be more careful on the road and drive fewer miles, the premiums are often pretty low.
Will insuring my American car cost more than insuring a British car?
Of course it all depends on the particular car you want to insure, and on the level of cover you need, but generally speaking, it will cost a little more to cover an American than it would a British car.
The most important thing to work out is a value agreed between you and the insurer. If you don’t, you may find that in the event of a write off, you’ll have to enter into a dispute with your insurance provider over the true value of your vehicle and will more likely than not end up facing a significant shortfall between what you receive and what you feel you are entitled to.
How can I get cheap insurance?
One great way to get discounted premiums when insuring an American import is to join one of the many car clubs available specific to either your make or model, or to US cars in general.
Beyond this, you should just make sure that you are shopping around online. Because of the variety of specific requirements associated with insuring American cars, classic or modern, you want to make sure you’re getting everything you need from your policy, no more and no less.
By using our comparison service you can be certain that you’ll get exactly what you need at an agreeable price.