Firstly, before we help with this question........what is a niche vehicle?
Well for us, a niche vehicle is categorised as a classic car, high performance car, motorhome or campervan, a vehicle that has been modified, a recreation car, kit car or even an ex military vehicle.
So, unlike standard motor insurance where renewing within the month prior to the policy expiry often results in reduced premiums, niche car insurance quotes require a different approach.
Specialist brokers like VINTTRO Cover who specifically cater for niche vehicles, are able to provide bespoke policies with consistent pricing structures, regardless of when you choose to renew.
This in itself, often raises a few important questions:
Before we explore these topics, rest assured, if you're seeking a pragmatic and efficient way to insure your vehicle no matter the timing, we're here to help.
It’s a common belief that buying insurance at a particular time, say early morning or late at night might unlock a better deal. While that may hold some truth for standard car insurance purchased through online comparison sites, the world of niche car insurance operates on a very different level.
As an example, classic and rare cars are typically insured through specialist brokers like ourselves, who offer a tailored, personal service unlike aggregators who simply provide online standard price automation.
By adopting a specialist expert approach, you receive the right cover and premiums are determined by a range of carefully assessed underwriting factors, including:
So, whether you’re requesting a quote early in the morning or 11pm at night the focus remains on precision underwriting, not time-sensitive algorithms. The most important consideration is ensuring your policy is active when you need it, it reflects the true value and protects the uniqueness of your cherished vehicle.
For collectors and high value niche vehicles, we recommend contacting us well ahead of renewal. This allows our specialist underwriting partners the time needed to evaluate your risk profile thoroughly and design bespoke protection that meets your exact needs.
Not necessarily, whilst some insurers may offer loyalty incentives, others could raise your premium significantly at renewal often without a clear explanation.
In some cases, you may find your broker or insurer difficult to contact when you need the most support? Particularly when you need to report and make a claim, which alone is a good reason to consider other options.
At VINTTRO Cover, we do things differently. As an independent broker, we pride ourselves on personal service and value. Our experienced team is on hand to speak with you directly, no endless call queues or faceless aggregator sites.
Even if you decide to stay with your current provider, requesting a quote early gives you greater flexibility and comparison. It’s a chance to review your cover and explore your options, to ensure you’re getting the protection your niche car truly deserves.
At VINTTRO, we know how important it is to keep all your insurance active and uninterrupted. That’s why we created the VINTTRO Hub, where you can easily program automatic reminders to be sent directly to your email, helping you to protect yourself from being uninsured and potentially facing fines or penalty points. Plus, you can also get notified of when your MOT and Service is due.
We will also send your insurance renewal reminders about one month before your policy is due to expire, giving you ample time to review your cover and renew with confidence.
Our goal is to make your renewal process as smooth and stress free as possible, so your pride and joy stays protected without a gap in cover.
As a business that was created by car and bike enthusiasts with a combined 100+ years experience in insurance and claims management. We offer the highest level of personal support, tailored expert advice and customer value. This is our customer promise which you can expect every time when dealing with VINTTRO.
Speak to our specialist team today on 0333 4042 007. We’re waiting to hear from you.