Car club insurance is tailored cover for classics and enthusiast vehicles that don't pound the daily commute.
Expect agreed value, options for limited-use or laid-up cover, and allowances for period-correct mods - often at lower premiums than regular policies.
In return, you'll need active club membership, garaging, limited annual kilometres, and to avoid using the car as your weekday work mule.
Insurers may ask for photos, an appraisal, or engineer certificates for modifications, and some restrict young drivers or high-risk events.
Compare excesses, salvage rights and spare-parts cover, and always read the fine print - because nothing ruins a coffee-and-cars meet like a claim gone sideways.
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