If, like many buyers, this is your second time around for XR3 ownership, you’ll remember the days of insurers refusing to cover anything with an XR badge. They were simply the most stolen and crashed cars on UK roads.
Today, thankfully, if you avoid high-street insurers you’ll find very low-priced policies more suited to a 96bhp classic. Choose limited-mileage cover, and even young drivers may not need a no claims bonus.
Find a specialist broker through recommendation of fellow enthusiasts or
Fast Ford ads, and be sure to invest in an agreed value scheme. Club membership often adds a little discount, so join the XROC to start saving.