I am not going to try and restate what lots of others have said but will add just one point of note.
If your car was under a classic car insurance scheme when you joined and you are no longer a club member, your insurance could be deemed invalid by your insurance company, should a claim be made. Many classic car insurances require the owner to be a member of a valid car club.
Why is that? What bearing on your insurance premium and / or suitability as an insurance risk does being a club member have? You could have a scabby old motor and be a loony driver but you conform by being a club member.
My everyday car insurance does not require me to be a club member, yet I travel over 12,000 miles a year in that car and hence would be a greater risk / liability than a classic car driver on only 1500 or 3000 miles a year.
Not too sure myself, but I assume that they assume classic car owners are better, more careful drivers and are more likely to be more road aware, rather than a modern ca driver. I doing so they become a lower risk? Hence lower classic car premiums.
Another example is putting tyres that are not of the correct size on your car - as this is outside of standard specification the car has in their terms, been modified. Not sure what happens to the crossply/radial argument
On my annual insurance application, I list things such as Electronic ignition, electric fan, electric fuel pump, alarm, immobiliser, new leather rimmed steering wheel etc. On the subject of the electronic ignition, they consider it a reliability and lower maintenence upgrade rather than a performance upgrade.
I've never mentioned the radial tyres though, since all new cars have them!
Just join the club and stop being a tight wad!It a great club and there Is lots of help on hand. A lot of people put as great deal of effort Into running It and I ,for one, am like a five year old on Christmas eve when the magazine Is due out.If you're dissapointed In the content, then get your finger out and send In some stuff for Dave and Co to work with!
There are quite a few Classic Car Insurers who give a discount (usually 10%) if you are a member of one of the Clubs. However when I was looking for insurance for my first classic these same companies were dearer initially by at least 10%, so you weren't saving anything. Also when they ask if they are standard cars they are looking for performance related modifications more than reliability upgrades. I am not aware of any insurance companies that give a discount on modern 'Euroboxes' just because you are a member of a classic car club. It is true that if you are a classic car owner, you are more likely to drive in a manner defensively and not offensively. No-one in his right mind is out to bend his cherished classic. Mileage limitation reduces the need to use it daily and they usually ask if you have an every day car. In theory with my classics I could cover 30K a year without flouting my policy. Those days are now in the past covering that many miles, but one or two of them do come close to the limit, and then I have to use another one.