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If you are building or buying a kit car, getting the right kit car cover is very important. These unique vehicles need special coverage to safeguard their custom parts, build quality, and how you plan to use them. Be sure to compare kit car insurance quotes. This will help keep your pride and joy safe, both on and off the road.

What Is a Kit Car?

A kit car is a type of car that you build by yourself. It comes with a package of parts from a manufacturer. Some popular brands of kit cars are Westfield and Caterham. Many car lovers enjoy creating their own versions of classic or high-performance cars.

Kit cars are made differently from regular cars. Because of this, you need special insurance to keep yourself safe. Many standard insurers do not offer coverage due to the unique risks associated with these cars.

Why Do Kit Cars Need Specialist Insurance?

Kit cars are not the same as cars made in factories. Here are the reasons a regular insurance policy might not be suitable for them:

  • Custom Builds: Each kit car is different. Insurers evaluate them individually.
  • Valuation Challenges: Insurers offer “agreed value” policies due to costs and time involved.
  • Repair Costs: Special parts and labour can be expensive.
  • IVA Requirement: Kit cars must pass an IVA (Individual Vehicle Approval) test before they can be legally driven.

Kit Car Insurance vs Standard Car Insurance

Feature Kit Car Insurance Standard Car Insurance
Valuation Agreed value due to custom build Market value based on depreciation
Repairs Higher costs for specialist work Lower due to mass production
Spare Parts Cover Often included Rarely included
Build-Up Cover Available while assembling Not applicable
Breakdown Cover Specialist recovery sometimes needed Standard coverage
Usage Restrictions May include mileage limits No special restrictions

What is the best way to compare kit car insurance?

The simple way to compare kit car insurance is to use a special comparison tool or talk to an insurance broker. These services help you see quotes based on your car's build, how you use it, and the parts you have. This way, you can find a policy that gives good protection and an agreed value at a reasonable price.

What Does Kit Car Insurance Cover?

A comprehensive kit car policy often includes: comprehensive cover:

  • Agreed Value Cover: This gives you a set amount of money if your vehicle gets lost or stolen.
  • Build-Up Cover: This protects your project while you are building it.
  • Spare Parts Insurance: This includes spare parts in your garage as part of the standard cover.
  • Salvage Rights: This lets you keep cars that have been written off.
  • Club Member Discounts: These are for members of a kit car club.
  • Breakdown Cover: This is made for kit cars and often includes help for Europe.
What is the best way to compare kit car insurance

What Affects the Cost of Kit Car Insurance?

Your premium is based on:

  • Type of Kit Car: Performance models tend to have higher insurance costs.
  • Usage: Driving less can help lower your costs. Look at your policy documents for more details.
  • Driver Profile: Your age, driving experience, and claims history matter.
  • Storage: Putting your car in a garage can lower your insurance costs.
  • Modifications: Let your insurer know about any changes made to your car. This keeps your policy valid.

How Much Does Kit Car Insurance Cost?

Here’s a rough guide to annual premiums:

Kit Car Type Estimated Annual Premium
Standard Kit Car £250 – £800
Replica Car £350 – £900
High-Performance Kit Car £500 – £1,200

Prices vary based on your vehicle, how you use it, and the insurance company you choose.

Are Classic Kit Cars Covered by Classic Car Insurance?

Some replica kit cars can qualify for classic car insurance, especially if they resemble older models. These insurance plans typically include:

  • Certain value coverage
  • Savings for low mileage
  • Support for specialised repairs

Check with your insurance company. See which type of policy is the best for your vehicle.

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Do Standard Insurers Offer Kit Car Insurance?

Most big insurers do not cover kit cars. If you own a self-built, replica, or modified vehicle, it is best to talk to brokers or special providers. They provide insurance policies that are made for your needs.

How to Reduce Kit Car Insurance Costs

You can lower your premium by:

  • Driving less
  • Keeping your vehicle safe
  • Joining a kit car club
  • Looking at different options
  • Choosing a policy with an agreed value
Optional Extras for Kit Car Insurance

Optional Extras for Kit Car Insurance

Many insurers offer valuable add-ons:

  • Legal Cover: It helps you pay for legal costs.
  • Track Day Cover: You need this for driving on tracks, not on roads.
  • European Cover: This is for taking your kit car to other countries.

Related Guides

Explore different car insurance topics that might connect to special vehicles:

Unlocking Value: Car Insurance Policies Explained

Rising Car Insurance Costs in the UK: A Growing Crisis

Simplified Steps to Buy Car Insurance Online

Vehicle Insurance Explained: Understanding Coverage

Correct as of 24 April 2025

FAQs About Kit Car Insurance

You must insure your kit car before you drive it on UK roads. If you are still building it, build-up cover can keep it safe while you work on it.

Your vehicle must pass the IVA (Individual Vehicle Approval) test before you can register it. This test checks if your vehicle follows safety and environmental rules.

Yes. Most replica vehicles can get insurance with kit car policies. Some might qualify for classic car coverage depending on the model.

Yes, but you will need track day insurance. This type of insurance is not the same as regular car insurance for the roads. It is needed for vehicles that are only driven on racetracks.

Always inform your insurance about any custom changes. This action will help you keep your policy valid. It will also prevent any problems with future claims being denied.

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Page last updated on: 29/05/2025

Page reviewed by: Shay Ramani

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