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Kit Car Insurance

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01708 564 143

Kit car insurance specialist, Performance Direct, is one of the UK's leading non-standard insurers. Unlike many general insurance companies who won't handle specialist car insurance, our extensive choice of over 100 schemes, cheap online quotes and expert team provide a unique enthusiast service for kit car drivers.

Our business was founded on providing cheap cover for unusual, modified and self-build vehicles so we can often help when other companies can't. So, whatever you drive, give us a ring or click for an online kit car quote now.

All popular kit car insurance are catered for – Westfield, Caterham, Robin Hood, Gardener Douglass, DNA Kit cars, Lamborghini, Ferrari and Porsche 356 replicas – but, please note, we provide kit car insurance in the UK only.

As a dedicated kit and replica insurance specialist we have the knowledge and experience of dealing with the specific requirements of this type of vehicle. We work hard to give the best possible kit and replica car insurance premiums to our customers.

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  • Benefits

  • Optional Extras

  • Why choose us?

This summary is designed to help you as a guide only. For full details of the Policy Cover, Terms and Conditions then please refer to the Insurer's Policy Wording.

Foreign Use
Driving abroad doesn’t have to come at a price with our Foreign use cover, speak to a member of staff to find out more about the different covers we offer.
Windscreen Cover
Subject to underwriting criteria, many of our comprehensive policies include windscreen cover. If it is not automatically included, we offer windscreen cover for a small, additional cost.
UK Call Centre
Our call centre is staffed by knowledgeable operators who are highly trained to assist you with your insurance.
Open 7 days a week
Access to our policies is available 7 days a week, including bank holidays.
Wide policy coverage
We have a great relationship with many insurers, allowing us access to hundreds of insurance schemes. This lets us source the most appropriate policy to suit your needs, at the best available price.
Competitive premiums
We have various insurance schemes and offers available to our customers and always strive to find the most competitively priced policy. We search the insurance market every time you request a quote, allowing us to find an insurance policy that is relevant and value for money.

Protected No Claims Bonus

A way to safeguard your no claims discount is to pay an additional amount on top of your car insurance to protect it. This means that even if you were to make a claim, yours no claims bonus would stay intact.

Important information:

No claims discount protection does not protect the overall price of your insurance policy. The price of your insurance policy may increase following an accident even if you were not at fault.

No claims discount protection allows you to make one or more claims before your number of no claims bonus years falls. Please see the step-back procedure for details.

Legal Expenses

If you are involved in a motor vehicle accident where the other driver is identifiable and is also at fault, our Motor Legal Expense policy will give you a stress-free service to recover your uninsured losses. This service will give full management of your claim from start to finish together with legal advice available 24 hours a day.

What’s included? + More information:

  • £100,000 protection for legal costs towards your vehicle damage following an accident caused by someone else.
  • Personal Injury Claims – Access to our Legal representatives to assist you in claiming compensation.
  • Recovery of uninsured losses, including your excess, loss of earnings, and any out of pocket expenses.
  • 24-hour legal helpline.

Breakdown Cover

Breaking down during the course of a journey or the failure of your vehicle to start outside your home could result in the unexpected expense of paying for assistance. To avoid such cost and frustration, we recommend our Award Winning Breakdown Service offering varying levels of cover to suit your needs.

What’s included?

Roadside (Assistance and Recovery) + More information:

UK Roadside Assistance:

  • Help at the roadside where the breakdown occurs more than a ¼ of a mile from your home address or the normal place of garaging.
  • Recovery to a local place of repair or to a destination of your choice up to 10 miles from the breakdown
  • Message Relay service –for example a phone call to a family member, friend or colleague.
  • Caravans and trailers that are attached to your vehicle at the time of the vehicle breakdown are recovered with your vehicle, you and passengers.

UK Roadside Recovery:

All the benefits of UK Roadside Assistance plus:

  • Recovery to a destination of your choice anywhere in the UK if the breakdown occurs more than a ¼ of a mile from your home address or the normal place of garaging and the vehicle cannot be repaired by the end of the working day.
  • A relief driver if you fall ill or suffer an injury that prevents you from driving.

Homestart (Assistance) + More information:

All the benefits of Roadside Assistance and UK Recovery plus

  • Help at your home address or the normal place of garaging or within a ¼ of a mile of your home address or the normal place of garaging if your vehicle suffers a breakdown.
  • Recovery to a local place of repair if repair is not possible at your home address or the normal place of garaging.
  • Recovery to a destination of your choice anywhere in the UK if the breakdown occurs more than a ¼ of a mile from your home address or the normal place of garaging and the vehicle cannot be repaired by the end of the working day.
  • A choice of either a hire car (up to 1600cc) for 48 hours, alternative transport up to £100 or overnight accommodation up to £60 per person (to a maximum of £500) if your vehicle cannot be repaired by the end of the working day.
  • The cost of one single rail fare to enable the driver to collect the vehicle once repaired.
  • A relief driver if you fall ill or suffer an injury that prevents you from driving.

European (Assistance and Recovery) + More information:

European Assistance and Recovery:

All the benefits of UK Recovery & Home Assist plus:

  • European Cover (countries included within agreed geographical limits ) – including cover before you travel, missed Motorail connections, transporting your vehicle home and loss of use of the vehicle while abroad

There are five clear reasons to choose Performance Direct for your Kit Car cover:

1

We're an award winning independent broker with a 30 year history and a loyal dedicated team all based in our offices in Essex. With over a hundred members of staff we're big enough to count, but small enough to care.

2

Because we're independent, we search the car insurance market to get you the best motor policy - from third party policies to fully comprehensive cover. Whenever you ask for a new or renewal quote, we search a panel of up to 100 leading UK underwriters to ensure you get the best, up to the minute, market rate and the best, cheap cover.

3

If you need to make a claim, because we're completely independent, we work with you, not against you, to sort everything out and to make sure your claim is paid. Whether you need to sort out a hire car or a new windscreen, our claims service is available 24 hours a day, 365 days a year.

4

The people who work at Performance Direct are insurance professionals enthusiasts who relish a challenge or an unusual insurance conundrum - we don't employ call center sales staff who are only interested in the next sale.

5

We're open 7 days a week and our free online quote engine for UK kit car insurance is the best, quickest and most advanced we know of (and we've done a lot of checking!).

If you are looking to insure your kit car, you can trust Performance Direct for the most competitively priced insurance.

More about Kit Cars

A kit car, sometimes known as a 'component car', is a vehicle that starts life as a set of parts sold by a manufacturer to be assembled. Usually, many of the major systems such as the engine and transmission are sourced from donor vehicles or purchased from other vendors. Kits vary in completeness ranging from as little as a book of plans to a complete set with all components included.

There is also a group of kit cars, known as 're-body' cars in which a standard vehicle has a new body placed on the chassis. These kits require less technical knowledge from the builder and as the chassis and mechanical systems are all standard designs.

The definition of a kit car usually indicates that a manufacturer constructs multiple kits of the same vehicle which they then in turn sell. This should not be confused with 'hand built cars' which are typically built from scratch.

Vehicle regulations in the United Kingdom allow the production of two hundred vehicles a year without all the regulation and testing needed for full-scale production cars.

The DVLA regulate all kit cars in Britain which ensures that vehicles are safe.

Many kit cars are provided with the 'Q' registration plate meaning a vehicle of unknown age. Like all cars, a kit car must pass its MOT test and have a valid car tax.

Specialist Vehicle Insurance

The level and type of insurance will depend upon the particular type of kit car you have. Don’t forget that this is a specialist type of vehicle and so that insuring your kit car or replica car is going to be a different process to normal car insurance. An insurance specialist, one used to dealing with specialist motor vehicle insurance and high value vehicle insurance is necessary to ensure that you receive the best premium possible for your motor vehicle.

A replica car is not considered in the same category as a standard vehicle and can be seen as being similar to a classic or vintage car in the sense of being a high value vehicle requiring high value vehicle insurance.

One of our insurance specialists will determine the best cover for your vehicle taking into consideration such details as build, motor, trim and other details specific to your replica car.

Kit car insurance and replica car insurance can also include kit car/replica car insurance specific clauses into the premium such as a build-up clause. This gives additional peace of mind if anything were to happen to the replica car during the build process.

Collector’s car and replica car insurance

Kit cars are often classed as classic or vintage cars in their own right and a classic kit car is as high value a vehicle as a standard vehicle. Seeking out vintage car insurance will often not throw up the right results for your specialist vehicle and, many standard insurers simply will not handle kit or replica car insurance.

And that’s where Performance Direct can help. We are a dedicated UK specialist car insurer with years of experience handling premiums for high value, specialist vehicles. Our team are enthusiasts themselves and whether yours is a new or vintage kit car you can be sure we will find the best kit or replica car insurance for your vehicle.

Performance Direct can provide insurance cover for all the popular kit car brands. So, whether you're looking for Westfield kit car insurance, Caterham insurance or insurance cover for your Robin Hood kit, DNA kit or for any replica vehicle insurance, give us a call or get a cheap online kit car insurance quote now.

Choosing Performance Direct

Part of Grove & Dean Group – a family company formed in 1974, Performance Direct is now one of the UK’s leading specialist vehicle insurers and leaders in the filed of what the industry calls ‘ non standard cover’. Non standard insurance cover includes Kit Car and collectors car insurance, an area which requires specialist knowledge and skill and one which, indeed, is often ignored by other more mainstream insurers. That’s why it’s so important to consult a specialist who knows the market and the vehicles involved. For example, kit cars are often their creators’ pride and joy – they having built them from scratch – so it’s clear their drivers will value and respect these vehicles, wanting the best possible fully comprehensive cover. Our team understand this and that’s why our specialist and bespoke kit car policies offer the cover and peace of mind you’d expect.

If you’re not sure, simply give us a ring, speak to us and you’ll soon realise we understand the market and will work hard to find the best insurance policy for you and your kit car.

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FAQs

FAQs

Your system does not recognise the make and model of my car - what should I do?

What difference will a Thatcham approved device make to my premium?

Am I covered to drive other vehicles?

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Performance Direct is a trading name of Grove & Dean Ltd, an independent intermediary who are authorised and regulated by the Financial Conduct Authority (FCA). Grove & Dean Ltd, registered in England, company number 1167043.

Telephone: 01708 564 143. Performance Direct, 7 Station Lane, Hornchurch, Essex RM12 6JL © 2023 All rights reserved. Performance Direct Car Insurance.

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