car insurance

Classic Car Insurance For Your Alfa Romeo

As one of the countless Alfa Romeo Spider owners in the world today, we know first-hand of the happiness and pride that comes owning such a unique and sexy car. Unlike many collector that hide their sports cars in a storage garage, sexy cars like the Spider these are not meant to be stored – they’re meant to be driven!

While we feel very strongly that car collectors should get in their cars and drive them once in a while, all that exposure also increases the risk of damaging the vehicle. With that, you want the best insurance policy you can get for your car.

There are different car insurance policies available today. Will a standard policy does or should you get a specialized one? Also, are cars like the Alfa Romeo Spider considered by insurers as classic cars? What are their criteria for cars to consider them as a classic?

All these questions and more will be answered with our guide below.

Classic Car Classification

There is no universal guide to classifying cars as to whether they are a classic or not. Many of us consider the Alfa Romeo Spider as a classic vehicle but that may not be true for all insurance providers.

You have to talk with a specific insurance provider and ask them about their criteria for classic cars. They can also tell you what kind of insurance policies they can offer for the kind of vehicle you own.

The age of your vehicle can be considered when classifying it as a classic car but that’s not the only basis. Car insurance companies will also see how the car is built. Some may require vehicle appraisal while others may not. Appraisals help car insurers determine the current condition of the vehicle. Other factors may also include the way the car is used or planned to be used and the storage place of the car in question.

Does My Alfa Romeo Spider Need A Specialised Insurance Policy?

You can opt for a standard fully comprehensive insurance policy for your Alfa Romeo Spider or another classic car. However, you should carefully read and understand what the policy offers. Is the policy suitable for your classic car? Sometimes, classic cars like the Alfa Romeo spider have different requirements than the newer car models we have today.

Modern vehicles are insured for the sake of their purpose, as a tool for transportation. Classic cars, on the other hand, can be different because, more often than not, they are considered as showpieces. The way you see your vehicle should also reflect the insurance policy that you take for it.

If you plan to take your classic car around the country for shows, you should also inform the insurance provider about it so that it also reflects in your policy. This can also affect the cost. Also, if you plan to have your classic Alfa Romeo Spider rented out for weddings or events, the insurance company should also be informed.

Another thing to note on your insurance policy for your classic Alfa Romeo Spider is the authenticity of replacement parts should your car need one. It can be difficult to source some older parts but there are still some out there. You want to make sure you preserve your vehicle as much as you can.

The Price Of A Classic Car Insurance Policy

As a classic car owner, it’s understandable that you’d want to preserve your vehicle even if that means not driving it all the time. Classic cars are kept and taken care of more as compared to conventional cars available today. This lessens the risk of accidents and also keeps the mileage down.

Even if classic cars are more expensive than other conventional vehicles, insurance providers may consider the frequency of use and the mileage to compute for the premiums. Some more affordable insurance policies may also include a mileage limit that you have to follow. In case you exceed it or is about to exceed it, you should inform the insurance provider so that your insurance claims won’t be invalidated should you need them.

Limited mileage may also help classic car owners negotiate a no claims discount to further decrease the premiums the longer you have the insurance policy. With all that info, we can say that taking a specialized policy for your classic car can help you save on premiums. It is possible that you spend more on premiums if you opt for the standard insurance policy for your classic ride.

Where Can I Get A Classic Car Insurance

Not all car insurance companies offer classic car insurance. There are companies that specialize in insuring collectible vehicles. These specialty insurers often offer a customizable policy depending on the car to be insured and how it is used.

When looking for classic car insurance for your Alfa Romeo Spider, you have to ask the actual cash value of your vehicle. This agreed value will be paid in case your classic car is totaled. This agreed value should be clear.

Another thing to look for is if they offer restoration coverage. In case the car meets an accident, will it be repaired just like a conventional vehicle or will they take extra steps to restore it to its former glory. The spare parts coverage is also very important because some parts are very expensive due to their limited production. This should also be cleared out by the insurance provider.

Top 5 Alfa Romeo Classics

Known as the most seductive and unique car makers, Alfa Romeo belongs to the class of its own. Although this brand isn’t the current market competitor, the reputation came from the cars it created in the past.

It all began in 1910 when Alfa Romeo started building some extraordinary sports cars that people started falling for them. With over hundred years of experience in building cars, Alfa Romeo produced some unforgettable models that topped our chart.

Fasten your seat belts as we’ll be reviewing top 5 Alfa Romeo Classics.

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Top Reasons To Love Alfa Romeo

Well, if you are a teenager and not really into sports cars, you might not have heard of Alfa Romeo.

Other than that, there is hardly anyone who hasn’t heard of the brand. It is one of the most prestigious car manufacturing company. It is always one step ahead in producing beautifully designed and craftily engineered sports cars.

The price of the Alfa Romeo beauties is often high for an average buyer but when you talk about value for money, everything begins to make sense.

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Alfa Romeo Disco Volante

1952 Alfa Romeo Disco Volante

Designed in Italy during the dawn of the space-age, Alfa Romeo’s first racing prototype in a decade was quickly dubbed the “Disco Volante” (Italian for Flying Saucer) in response to it’s thoroughly contoured, aerodynamic design.

It immediately  divided racing professional and enthusiast into two camps:  one that considered the vehicle to be a complete and utter waste of time, energy, and money; and the other that thought the design was pure genius.

As it turns out, both were right…

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Looking Back – The Amazing Alfa Romeo Alfetta

At least as famous as Ford in Europe, it’s an understatement to say that the Alfa Romeo line of cars has a very rich and impressive automotive history.  The story of Alfa Romeo begins in 1910 just outside of Milan and it did not take long for them to gain attention as several of the great names in science and engineering worked together to create early cars that not only displayed the luxury and status symbol that could come from the right car construction, but also proved to have plenty under the hood.

Needless to say, these cars quickly became a favorite among drivers for racing both flat courses and hill climbing ones, as well.

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