There is much pride and joy to be taken from owning a performance vehicle. Sports cars and bikes are prized possessions and, as such, they need to be looked after. Standard motor insurance just does not cover the breadth of issues and challenges faced by sports car enthusiasts, so you need to find high performance car insurance brokers you can trust.
Specialist sports car insurance policies will cover a range of aspects specific to performance vehicles, thereby allowing a more competitive price to be offered. From Aston Martins to Ferraris, performance vehicles are the passion project for their owners, and repairing them by their very nature is extremely expensive. In any event, vehicle owners need peace of mind, which can only be achieved with dedicated performance car insurance cover.
Pays out the cost of roadside assistance for your performance vehicle in the event of a breakdown
This policy feature will cover the cost of replacing or repairing windscreens and windows if chipped or cracked
Hire Car Cover
If your car becomes unusable for a period of time, you will be given a replacement vehicle of similar value
Added protection and assistance when driving on the continent
Types of Cover
There are three types of cover to choose from that are the same across the board for motor insurance. These are:
Third Party Only (TPO)
Third Party, Fire & Theft (TPFT)
You are required by law to have at least TPO insurance for any vehicle, including luxury, sports and performance vehicles. With such an expensive car, however, we would recommend a fully comprehensive policy that includes features specific to performance cars. You will only be able to get the very best cover from a performance car insurance specialist.
Sports cars and performance vehicles will often be worth more than market value due to history and modifications from factory standard. If you suffer a total loss of your vehicle, you will be paid out for the predetermined amount, rather than book value.
Performance vehicle owners choose not to drive their sports car on a regular basis, which can reduce the cost of your premium. Essentially, more powerful cars are likely to get into more accidents, so the less time spent on the road the lower the chances of an accident occuring.
The cost of repairing a small scratch on a performance car can be excessive. In this case, it is important to have car vandalism cover, so you can have these costs covered.
Frequently Asked Questions About Performance Car Insurance
Racing, competitions, rallies, trials, track days and 4×4 off road events are not covered under a normal car insurance policy. It may be that you can purchase a special type of insurance for such events. If you wish to seek any further insurance advice about participating in such events, then it may be worth speaking to your insurer.
Modified cars are certainly more difficult to source car insurance quotes for. Most insurers prefer to cover vehicles by volume and are therefore not keen to manually scrutinize risks on an individual basis, this restricts the available insurer markets. Modified cars are also likely to have higher premiums as they will carry more risks.
You will need to check your certificate of motor insurance in order to see whether you are eligible to drive any other vehicles with your particular insurance policy. It may be possible to adapt your insurance policy in order to allow you to drive other vehicles. This is something you must discuss with your insurer.
Yes, if you pay online via a credit or debit card, or set up a direct debit, you will be covered immediately by your car insurance policy. Shortly after, you will then receive your policy documents. If you are any doubt however, then contact your insurance provider in order to find out.
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Matt Dyer – Sunderland, Tyne and Wear
After searching for hours on the internet I finally came across QuoteSearcher whose partners provided me with excellent quotes far better than I had received from anyone else.
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