Hello Scott,
Performance Direct is a player in the classic car insurance field, and as I said, it sounds as if you may have bought this form of insurance - or part way to it.
Limited mileage (6K or sometimes 3K) is usually one of the conditions, and the need for photos is normally required where you want to agree a guaranteed pay out sum in the event of a total loss. You state the value of the car, and provide photographic evidence, fill in a Condition form, and if they think your valuation is reasonable, then they will take on the insurance on an Agreed Value basis.
To qualify for this type of insurance, the car will generally have to be at least 20 years old, you will normally have to have another vehicle as a daily driver, and the policy does not depend on, or generate any NCB. Driving will generally be restricted to Social, Domestic and Pleasure and excludes commuting.
Such policies were not bought off comparison websites, and the now numerous classic car policy brokers were simply advertising in the specialist press. Things might have changed.
Perhaps you could give us some more details of the age of the car, the value you placed on it, whether it will be an occasional use car only and is garaged, and what type of use it will be put to - we know your mileage restriction. Also whether you have had to use a NCB for the policy you bought.
My guess is that you are involved with a classic car insurance broker, and they are operating in accordance with their normal requirements, even though you may not have bought their normal classic car policy.
Kind regards,
Austin.
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