Star Modern Hobby is insurance for owners of special cars rarely driven.

Usually cars manufactured before 1930 are considered vintage cars. Different insurers have different considerations. Star Insurance Specialists have insurance policies for vintage cars, antique cars and classic cars along with policies designed for younger cars but are used as project cars, enthusiast cars, and cars that are not driven every day.

Proportionally to the value of the vehicle, vintage and classic car insurance costs can be significantly cheaper than standard car insurance. However insurance prices can vary due to the age of the driver, the experience of the driver and where the vehicle will be stored, the vintage car experience of the insurer along with other factors they may take into consideration.

Yes, you can insure modified cars. It is a very good idea to advise your insurer that your vehicle is modified, what type of modifications they are, who has done the modifications and whether they are certified by a professional. Some insurer’s can also provide insurance policies if you are in the process of modifying your vehicle but have not completed the modifications.

An excess is an amount you must contribute towards the cost of repairs, or payment of a total loss settlement for each event that you have made a claim for.

If we have identified that you were not at fault in an accident and you have provided details of the 'at fault' party your excess may be waived or refunded to you.

Yes, photos are very helpful as they can show our assessing team what has been damaged before the vehicle is seen by a repairer. Please obtain accident site photos only if it is safe to do so.

Different insurance providers define the ways they offer total loss settlements differently. These are how we define our different total loss settlement options for motor vehicles.

Market value:
The reasonable sale price of your vehicle, as estimated by us, immediately before the loss taking into account:
a. the year, make, model and specification of your vehicle; and
b. the general condition of your vehicle, including mileage and hours;
but excluding the presence of any sign writing, vehicle wraps, or artwork on your vehicle unless otherwise advised and accepted by us in writing.

Agreed value:
The lesser of:
a. the vehicle’s market value plus 20%; or
b. the sum insured.

Certified value:
The value of the vehicle specified in a valuation prepared by a motor vehicle valuer recognised by us provided such value is accepted by us and stated in the schedule.

Fixed value:
The value of your vehicle agreed by you and us and stated in the schedule

Construction value:
The base vehicle cost together with all amounts spent restoring the vehicle as at the date of any loss covered by the policy.

We can adjust certain policies to different settlement bases. Please contact us to discuss whether your policy can be adjusted to a different settlement basis.

Star Insurance Enthusiast has a comprehensive list of insurance benefits included in their Vintage Car, Classic Car and Enthusiast insurance policies. They also have specialist vehicle assessors covering New Zealand to ensure your vehicle is repaired correctly, using correct repair techniques and parts suitable to your vehicle.

Usually cars aged over 25 years are considered classic cars. Different insurers have different considerations. Star Insurance Specialists have insurance policies for cars older than 25 years along with policies designed for younger cars but are used as project cars, enthusiast cars, and cars that are not driven every day.