Will My Sports Car Be Covered by a Special Policy?


Sports cars are good possessions. They are valued at some point higher than other ordinary cars because of the activities they are involved in. They are faster and smaller that they tend to be prone to accidents compared to any other kind of vehicle.

Insurance policies for sports car constantly evolve through time because their definition is ever-changing. No standard definition of a sports car has been officially set up by insurance companies. The consideration of a vehicle to be classified as a sports car or not depends on the preference of the car insurance company. Some would be too lenient to classify a car through the looks alone. Others could set a series of quotations before considering a vehicle to be a sports car.

Why is there a need to know whether your car is a sports car or just an ordinary vehicle? What difference would a sports car make in the premium which the policy holder is entitled to?

Every insurance company has its own way of evaluating the kind of car and classifying it as a sports car. There are attributes that a car or any vehicle should contain before it could be classified as a sports car. These attributes include the body style, horsepower, engine, cylinders, manufacturer, size and weight, handling, and whether it is a 2-door or a 4-door.

Generally, most insurance companies settle for the traditional definition of a sports car which is a small, high-powered car with two doors. This definition now becomes too vague because technological advancement has made this very simplistic. There are already vehicles which are smaller yet with four doors and considered by others as sports car because of its other features.

The traditional definition no longer applies for the present status of the car industry and modernization has set this definition to be obsolete and inappropriate.

In the car insurance world knowing whether your vehicle is considered a sports car or not because sports car are the most expensive vehicle to get insured. This is because they are more likely to incur damage than any other vehicles. Sports cars are smaller and faster that they have higher risk of bumping into accidents and acquiring speeding tickets. Generally, most insurance companies offer higher special premiums to sports cars.

Moreover, sports cars have very unique parts that once they undergo repair and maintenance, they would be costing the insurance a lot. With insurance policies offering higher premiums everyday, everyone is eager to know whether their vehicle is a sports car or not for them to get the right policy and not put their finances to waste.