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

There is no driver qualification required for classic car insurance. Usually all you need is a car manufactured over 25 years ago although different insurers have different considerations. Star Insurance Specialists have insurance policies for classic 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.

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.

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.

Yes, we can. We can tailor the policy to your individual needs and ensure that you have the best cover in the market at the most cost-effective premium.

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, 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.

It depends. Different insurers may or may not offer track day insurance, and if they do they may have different criteria from each other. Star Insurance Specialists can upon application, extend your insurance policy and provide you insurance for certain approved track days. Every track day and driver is subject to application, and are subject to specific terms and conditions that will be advised to the applicant.

You should advise your insurance company that you use your car every day. Many insurance companies can still insure classic cars that are used every day. Star Insurance Specialists design their insurance policies specifically tailored for your individual circumstances.