Kit Car Insurance UK
Specialist Insurance for Kit Cars
At Need to Insure, we understand that your kit car is more than just a project—it’s a passion. Whether you’ve built your car from the ground up or purchased a part-completed build, you need insurance that recognises the unique nature of kit cars. That’s where we come in.
We offer specialist kit car insurance designed to protect your pride and joy—on and off the road.
Why You Need Kit Car Insurance?
Standard car insurance often doesn’t account for the value, build process, or bespoke nature of a kit car. Our dedicated policies are tailored to meet the needs of:
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Self-assembled and part-built kit cars
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Classic-style replicas and performance kits
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Low-mileage show cars
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Road-legal and track-use vehicles
From registration with the DVLA to covering your car during the build, we’ve got you covered every step of the way.
What’s Included in Our Cover?
Our flexible kit car insurance can include:
- Track Day Cover in association with the Association of Track Day Organisers
- Limited Mileage Discounts – Lower premiums for low annual mileage
- Mirrored No Claims Bonus
- Parts Only Cover
- Breakdown Cover
- Laid-Up / SORN Cover – Ideal if your car is declared off-road with a Statutory Off Road Notification
- EU Cover – Includes temporary driving in Europe
Why Choose Need to Insure?
UK-Based Specialists – We understand UK roads, laws, and the kit car community
DVLA and IVA Support – We help insure kit cars during and after Individual Vehicle Approval (IVA)
Flexible to Your Build Status – Update your policy as your build progresses
Competitive UK Pricing – High-quality protection without the high cost
Getting a Kit Car Insurance Quote
To provide an accurate quote, we’ll need details such as:
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Your kit car make and model (e.g. Caterham, Westfield, GBS, MEV)
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Chassis and registration status (pre-registration, SORN, IVA passed)
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Your intended use (road, show, track days, etc.)
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Where it’s stored and what security measures you’ve taken
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Your age, driving history, and any previous kit car experience
Call for a Quote – 01623 720081 – No commitment, instant cover options available.
Frequently Asked Questions
Q: Can I insure my kit car while I’m still building it?
A: Yes. Our build-up insurance gives you cover for fire, theft, and damage during the build—even before DVLA registration.
Q: What if my car isn’t registered yet?
A: No problem. We offer cover during the pre-registration and IVA stages.
Q: Are modifications and custom parts covered?
A: Absolutely. Every kit car is unique—we make sure your custom parts and upgrades are reflected in your policy.
Peace of Mind for Your Pride and Joy
From garage to road, from first bolt to final polish—we’re with you. Whether your kit car is a weekend warrior or a concours showpiece, you deserve insurance that understands what makes your build special.
📞 Call us on 01623 720081
💬 Chat with a kit car insurance expert now
Need to Insure – Proudly supporting the UK kit car community with expert advice and tailored insurance since 2002.
