0121 248 9229

0121 248 9229

Kit Car
Kit Car | Kit Car Insurance

SPECIALIST KIT CAR INSURANCE

Kit car insurance from Heritage takes into account the unique nature of your kit car, and recognises the investment made into it.

Whether you’ve built yourself a Caterham classic, a Ferrari replica, a cobra kit car, robin hood kit car or an Abarth 500, our comprehensive and parts only cover options can be tailored to your needs with free agreed value, spare parts cover included, and options for salvage retention.

You can also take advantage of limited mileage discounts, and a 15% discount if you’re a kit car club member.

GET A QUOTE

KIT CAR INSURANCE WITH HERITAGE INCLUDES:

  • Free agreed value: protect the value of your kit car for free with our agreed valuation which can be set up easily
  • 90 days’ European driving cover: this can be extended up to 180 days if needed
  • Spare parts cover included
  • Club membership discounts: get 15% off, just tell us your membership number when you request a quote
  • Salvage retention available as standard
  • Limited mileage discounts: save money when you drive fewer miles
  • Cover for shows, rallies and events: marshalled and non-racing events covered

REQUEST A SPECIALIST KIT CAR INSURANCE QUOTE

Request a no-obligation kit car insurance quote below and one of our friendly team will give you a call back.

PARTS ONLY COVER AVAILABLE

You can opt for parts only cover which, as the name suggests, means any claim on your insurance would be for the parts needed to repair your vehicle should you have an accident or have parts stolen.

Parts only cover is less expensive than comprehensive cover, but it does mean that your insurer will only provide the parts required for repair on a claim; it will not cover the cost of labour.

This could be the right cover for you if you like to do all the build and repair work yourself, but if not, you may be happier with comprehensive cover.

SAVE MORE WITH HERITAGE MULTI CAR

Chances are you’re not driving your kit car daily – and if you have another car, or several, did you know you could put them all on the same policy and have a simple, single premium for all your vehicles?

Heritage multi car insurance is flexible to allow kit cars, modern daily drives, classic or vintage cars, motorbikes and even campervans or motorhomes on the same policy. You can set up multi car cover with one vehicle, and then add each of your other vehicles as they come up to renewal.

FIND OUT MORE

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Protect your assets with

Classic 4×4

Protect your classic 4×4 with free agreed value and cover for modifications you’ve made. Whether it’s a classic Jeep, Land Rover or Land Cruiser, get the right cover with Heritage.

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Protect your assets with

Multi Car Insurance

For classic car collectors or owners with classic and modern cars – our bespoke multi car options allow you to have as many vehicles on cover alongside your specialist car as you like, and up to five drivers.

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Protect your assets with

Campers

Insure modern and classic campervans and motorhomes with Heritage, with 90 days European driving cover as standard. Get a free Skytag GPS tracker unit to protect your camper in case of theft.

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Protect your assets with

Vintage Car

Vintage cars (built before WWII) need specialist cover to protect their value, especially if they’re being taken for exhibition at shows and events. Check you have the right vintage car cover here.

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Protect your assets with

Classic Car

55 years’ experience in classic car insurance means we know our cover options inside out, and we’ll work to get you the most suitable cover for your classic or specialist car, including modern classics.

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Protect your assets with

Classic Bike

Get classic and retro motorbike insurance with multi-rider and multi-bike policies, and discounts for club membership.

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Ex-Military

Classic ex-military vehicle insurance is for any decommissioned ex-military cars, trucks, even tanks. It can include related specialist equipment. Get a quote and claim 15% off if you’re a member of the Military Vehicle Trust.

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Protect your assets with

American Classic Car

From imported American classics to European builds from American brands, Americana is big in the car world – and we’ve got the cover options to help you protect that ‘stang, Charger or Ford Model A.

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Modified 4×4

If your 4×4 is modified for off-road use, you’ll need specialist cover that takes your mods into account. Includes green lane and off road driving and European cover as standard.

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Protect your assets with

Laid Up/SORN

Have you declared your vehicle as SORN? Cover your classic car against damage, fire and theft with laid up and SORN insurance from Heritage.

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Protect your assets with

Performance Car

Cover your classic & modern supercar at home and when travelling in Europe with Heritage. Get cost-effective insurance on your high-performance vehicle.

KIT CAR BREAKDOWN COVER

Need breakdown cover to protect your kit car? Heritage Road Rescue can cover your kit car for:

  • UK roadside repair and national recover
  • Alternative transport and overnight accommodation if needed
  • Driver illness or injury cover if no-one else is able to drive the vehicle for you
  • EU breakdown and repatriation
  • Key assist in the event of lost keys or lock failure
  • Message assist to let loved ones know you are safe
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FREQUENTLY ASKED QUESTIONS ABOUT KIT CAR INSURANCE

Is kit car insurance cheap?

Because kit car insurance tends to work on the same basis as specialist and classic car insurance, it can be cheaper than regular car insurance. This is because specialist vehicle policies have mileage limitations, and because those cars are being driven less frequently, the risk of an accident is considered lower by insurers. Of course, your kit car insurance also needs to take into account the value of your vehicle, where you store it, and who will be driving it, all of which can affect premium.

My kit car isn't finished yet; can I insure it while I'm building it?

Yes, you can insure your kit car before it’s road-ready. It stands to reason you’d want your car protected while it’s in the build process – so if your kit car is part-complete in your garage, or off-site, you can still cover it.

Is agreed value available on my kit car?

We can do free agreed value for you on a kit car: we’ll ask you some questions to help determine its value, and agree this with you before it’s written into your policy. That way, if your kit car does unfortunately meet with an accident, you know what the insurer will pay out.

Can I get parts only cover?

Yes, parts only cover is available. This will only cover the cost of replacement parts in the event of a claim, and not labour or any other associated costs, so it’s important to be sure this is the right level of cover for you before taking it out.