Kit Cars Insurance Quotes | Clarity Compare

How to insure your kit car...

Get quotes in less than 2 minutes

Step One

Fill in kit car details

Enter details about your kit vehicle manufacturer, engine specs, build status & garage storage.

Step Two

Compare specialist quotes

Compare quotes from UK specialist kit car insurance brokers offering agreed valuation.

Step Three

Protect your build

Select your policy covering construction phase, spare parts, and road usage.

Kit Cars Insurance Overview

Kit cars—whether self-built from a chassis package like a Caterham, Westfield, MEV Exocet, or Cobra replica—require specialized insurance that standard motor underwriters cannot provide. From garage protection during assembly to agreed valuations after passing the DVLA Individual Vehicle Approval (IVA) test, dedicated kit car insurance protects your engineering investment.

Key coverage options for kit cars

Specialist kit car policies provide flexible coverage throughout all stages of vehicle ownership:

Build-In-Progress Cover: Protection against fire, theft, or garage damage while your vehicle is being assembled in your workshop.
Agreed Valuation Protection: Ensures your completed kit car is insured for its true agreed rebuild cost rather than basic trade value.
Dismantled Parts & Tools Cover: Protects high-value tools, crates of chassis parts, and engine components stored in your garage.
Track Day Cover: Optional track day add-ons for driving your kit car on official UK circuits and enthusiast track days.

Individual Vehicle Approval (IVA) and registration

Before a kit car can be legally driven on UK roads, it must pass the DVSA Individual Vehicle Approval (IVA) inspection test. Specialist kit car insurers provide temporary chassis-number transit cover allowing you to legally drive your un-registered kit car to and from the IVA testing center.

Tips for lowering kit car insurance premiums

Join a recognized Kit Car Club: Active club memberships (e.g. Caterham Owners Club, Westfield Sports Car Club) qualify for up to 15% discounts.
Select a limited annual mileage limit: Kit cars are typically driven for weekend recreation; capped mileage reduces your premium significantly.
Secure in a locked garage: Storing your vehicle in a secure garage when not in use protects against weather and theft.

"Building a kit car requires dedicated engineering skill and passion. Specialist kit car insurance ensures your self-built masterpiece is protected throughout construction and on the open road."

FAQs for Kit Cars Insurance

Can I get insurance while my kit car is still being built in my garage?

Yes, build-in-progress policies cover chassis parts, tools, and incomplete assemblies against fire, theft, and accidental damage while stored in your workshop.

How is a kit car's insurance value calculated?

Kit car values are agreed upon through valuation certificates submitted by kit car clubs or independent engineers, establishing an agreed valuation payout limit.

Can I drive my kit car to its IVA test without road registration?

Yes, provided you have a pre-booked IVA test appointment and temporary chassis-number insurance coverage in place.

KIT CARS INSURANCE