Specialist Car Insurance
Agreed-value cover for prestige, classic, and high-performance vehicles — with approved specialist repairs, multi-vehicle discounts, and a service that matches your car.
Cover Designed for Exceptional Vehicles
Standard motor insurance treats every vehicle the same. Specialist cover recognises the true value of your car and provides protection that reflects its worth, rarity, and the care you invest in it.
Prestige & Supercar
Comprehensive cover for vehicles valued over £50,000, including luxury saloons, sports cars, supercars, and hypercars. Agreed-value settlements ensure you receive the true worth of your vehicle, not a depreciated trade-guide figure.
Classic & Vintage
Tailored policies for classic, vintage, and veteran vehicles. Whether your car is a concours-winning restoration or a regularly driven classic, cover is based on an agreed value that reflects the vehicle's condition, provenance, and the investment you have made.
Collections & Multi-Vehicle
Insure your entire collection under a single policy with meaningful multi-vehicle discounts. Flexible cover accommodates vehicles in regular use, occasional use, and long-term storage — each with appropriate terms and premiums.
Limited Editions & Rare Models
Specialist underwriting for limited-production vehicles, homologation specials, and one-off commissions. These vehicles require insurers who understand their rarity, replacement difficulty, and the specialist market in which they trade.
Track Day Cover
Optional cover for track day events at recognised circuits. Protect your vehicle during competitive and non-competitive track use, with options ranging from accidental damage only to comprehensive cover including third-party liability on circuit.
Secure Storage Discounts
Reduced premiums for vehicles kept in secure garages, alarmed facilities, or specialist storage. Insurers reward the additional security measures you take, and we ensure your policy reflects the reduced risk profile of properly stored vehicles.
Why Specialist Cover Matters
The difference between standard and specialist motor insurance becomes most apparent when you need to make a claim. Here is what sets our cover apart.
Agreed-Value Settlements
The value of your vehicle is agreed at the outset, supported by professional valuations or market evidence. In the event of a total loss, you receive the full agreed amount — no depreciation, no negotiation, no shortfall. This is particularly important for appreciating classics and limited-edition models.
Approved Specialist Repairs
Repairs are carried out by manufacturer-approved or marque-specialist repairers using genuine or correct-specification parts. Your vehicle is restored to its pre-loss condition by technicians who understand its construction, not a general bodyshop unfamiliar with specialist vehicles.
Like-for-Like Courtesy Vehicles
Where a courtesy vehicle is provided, it will be of a comparable standard to your own. Specialist insurers understand that a standard hire car is not an appropriate replacement when your vehicle is a high-performance or prestige model.
Knowledgeable Claims Teams
Claims are handled by teams experienced in the specialist vehicle market. They understand agreed values, the availability of rare parts, the importance of correct restoration techniques, and the specialist repairer network — ensuring your claim is settled fairly and efficiently.
Vehicles We Insure
From daily-driven prestige cars to museum-quality classics, we arrange cover for the full spectrum of specialist vehicles.
Modern Supercars
Ferrari, Lamborghini, McLaren, Porsche GT models, Aston Martin, and other high-performance marques. Cover for vehicles with values from £50,000 to several million pounds.
Classic & Heritage
Pre-war, post-war, and modern classics across all marques. E-Types, DB5s, 911s, and everything from barn finds under restoration to concours-condition show cars.
Luxury & GT
Bentley, Rolls-Royce, Mercedes-AMG, BMW M, and other luxury grand tourers. Comprehensive cover for vehicles that combine daily usability with exceptional value.
Frequently asked questions
What is the difference between agreed value and market value?
Market value is what a standard insurer calculates your vehicle is worth at the time of a claim, often based on trade guides that may undervalue specialist or rare vehicles. Agreed value is a fixed amount established when the policy is taken out, based on a professional valuation or documented evidence. In the event of a total loss, you receive the full agreed value with no depreciation deductions or disputes over worth.
Are there mileage limits on specialist car insurance?
Many specialist policies offer reduced premiums for limited-mileage use, which suits classic cars and weekend vehicles. Typical tiers range from 1,500 to 5,000 miles per annum, though higher-mileage options are available for daily-driven prestige vehicles. Declaring an accurate annual mileage ensures your premium reflects your actual usage.
Are modifications covered?
Yes, provided they are declared at inception or when carried out. Specialist insurers are accustomed to covering aftermarket modifications, performance upgrades, bespoke bodywork, and restoration enhancements. Undeclared modifications could invalidate your policy, so it is important to notify us of any changes to your vehicle's specification.
Can I insure multiple vehicles under one policy?
Absolutely. Multi-vehicle policies are a core feature of specialist car insurance, offering administrative simplicity and meaningful premium discounts. Whether you have a collection of classic cars, a mix of modern and vintage vehicles, or a fleet of prestige motors, we can arrange a single policy or portfolio that covers them all.
Get the right cover
Speak to one of our expert brokers for a free, no-obligation quote.