insurance for Ford Capris:
of the most iconic vehicles of its generation, the Ford Capri is
still revered today – but how easy is it for its drivers to
get affordable car insurance quotes?
Here we look at some
important considerations when insuring a Ford Capri and what cover
you’ll need if you plan to participate in drag racing events.
much does it cost to insure a Ford Capri?
Car insurance companies
take into account a number of factors when assessing premiums including
your personal circumstances; your driving history; your address;
your annual mileage; and the vehicle you drive. As such, there’s
no set price for car insurance – quotes can vary widely between
providers depending on how they assess this criteria.
However, if you are hoping
to find a Ford Capri that is relatively cheap to insure you should
look into its specification, engine size and model year. Generally,
older cars are cheaper to insure because they cost less to repair/replace;
while vehicles with smaller engines often qualify for cheaper premiums
as they are less likely to be driven at fast speeds and involved
in accidents. It’s also best to look for vehicles with standard
specifications and no modifications as any non-standard parts can
add to the vehicle’s value and push insurance premiums north.
If you are looking to
buy a Ford Capri then use the Association of British Insurers’
database to gain an overview of how much the model is likely to
cost to insure. The database ranks models in groups from 1-20 (now
a 1-50 system but Ford Capris are still classified into the 1-20
group ratings) based on how much they typically cost to repair,
how easy it is to replace parts, engine capacity and so on.
There can be significant
differences between Capri models. For example, the 1983-1988 Ford
Capri Tickford with a 2,792cc engine is classified in group 16 and
is one of the most expensive Capri models to insure mainly because
of its performance capabilities. By contrast, the 1981 Ford Capri
Tempo with a 1,292cc engine is one of the cheapest models to insure
as it is classified in group seven.
car insurance company should you choose?
As insurers use different
criteria to assess premiums there can be substantial differences
between the quotes you receive. As such it’s best to take
as thorough an overview of the market as possible – comparison
websites can compare deals from around 120 car insurance providers
helping you find a competitive deal quickly.
However, it’s important
to look beyond price alone and also consider what you’re getting
for your money. Pay attention to the terms and conditions of any
policy you are interested in and look out for exclusions –
these are circumstances in which you will not be covered.
Broadly, there are three
types of car insurance policy available:
- Third party
only: Protects you against liability for damages and injuries
to others and liability while towing a trailer.
- Third party,
fire and theft: Third party cover plus protection for your
own car against theft, theft-related damage and fires.
Third party, fire and theft cover plus cover for damages to your
own vehicle in the event of an accident (subject to policy exclusions).
Depending on the policy you choose you may also benefit from features
such as personal accident cover, windscreen cover, a courtesy car
while yours is repaired and more.
While it is sensible
to take out as much cover as you can afford, think carefully about
the level of cover that’s right for you. For example, if you
drive a relatively cheap Capri and you are an inexperienced driver
it may be more cost effective to take out a third party policy.
Ford Capris qualify for classic car insurance?
There are several specialist
car insurers that offer classic car insurance with features designed
for owners of classic cars. Generally classic cars are those built
pre-1975, which covers a number of Capri models. However, even later
Capri models that are kept in good condition may be considered as
‘cherished’ models and may also qualify for classic
Some of the features
you may enjoy with classic car insurance include:
- Agreed valuations:
So you know what your Ford Capri is worth in the event that it is
ever written off or stolen – it will not be subject to a market
- Exclusive discounts:
Classic car insurers may offer discounts for agreeing to mileage
limits; completing advanced driving courses; and joining an owners’
- Laid-up insurance:
Cover against theft and mishaps if your Ford Capri is off the road
and is being worked on as a project.
Even though these policies
may offer cover more closely tailored to your needs you should still
assess them alongside conventional policies to ensure you’re
receiving value for money and not missing out on any other cover
about insurance for drag racing?
If you plan to race your
Capri then some insurance companies will cover track events but
you will normally need a specialist deal. Check to see exactly what
types of events are included as protection may only be offered for
rallies and hill climbs.
There are specialist
drag racing policies available, however. Typically these policies
will not cover you while you race on the track but will cover the
contents of your race car trailer; storage and additional equipment;
and cover while you travel between races. Shop around and read the
terms and conditions carefully.