Specialist Car Insurance Quote

Keeping the running costs of owning a vehicle is an on going problem. Therefore, offering insurance discounts is always going to be a question to ask. With the cost of fuel fluctuating up and down most weeks and prices for vehicle maintenance forever raising the need to find areas to help to save money is always welcome.

So what can we do for you that will help to keep at least one part of the costs of running a vehicle at a reasonable level? Generally the largest insurance discount that is available tends to be any No Claims Discount, up to 60% with some companies. You may have built up during your years of “claim free” driving. However, because Kit cars are frequently second vehicles this discount is not always free to transfer to your new policy.

In these circumstances we are able to offer substantial introductory discounts that can match that of your main car. Further allowances are made for restricting the driving, the main one being “Insured Only”. Moving on, we have schemes that will offer additional reductions for restricting your annual mileage and the use of your car. Further discounts are available if you are a member of one of our Approved Clubs, your club will normally make this clear to all their members.

Here is a list of some of the Insurance Discounts available with Graham Sykes:

• Generous Approved Club Member Discounts
• Restricted Driving
• Insured Only
• Insured and Spouse
• Insured and One Named Driver
• Restrict your Annual Mileage
• No Claims Discount up to 65%
• Introductory Discounts
• Multi-Car Discount

Not all insurance companies offer all these discounts and terms and conditions apply.

An explanation of the categories of a vehicle write off are listed below:

• Category A - A vehicle which should have been totally crushed, including all its spare parts.
• Category B - A vehicle from which spare parts may be salvaged, but the bodyshell should have been crushed and the car should never return to the road.
• Category C - An extensively damaged vehicle which the insurer has decided not to repair, but which could be repaired and returned to the road.
• Category D - A damaged vehicle which the insurer has decided not to repair, but which could be repaired and returned to the road.
• Category F - A vehicle damaged by fire, which the insurer has decided not to repair.

Theft - These vehicles have not been recovered and ownership rests with the insurer who made the total loss payment. They are able to repossess the car as soon as it is identified, even if it has been bought innocently.

Vehicles categorised as A, B or C require a VIC test before the DVLA will issue a new registration document. This will then be noted on the V5C.

Notes
VIC - Vehicle Identity Check
DVLA - Driver and Vehicle Licensing Agency
V5C - New Vehicle Registration Certificate

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