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High Performance Car Insurance

The world of fast car insurance quotes can be a bit of a mine field, our team will use their specialist knowledge of the performance car insurance market to make sure that you get the cover you need at the right price. With experience in arranging cheap performance car insurance for our clients, we can advise on the best level and type of protection for your needs.

We’re High Performance Car Insurance Experts

Here at 1st Choice, we know that performance car owners can be completely devoted to their pride and joy, so whether you drive a Jaguar F type, Mazda MX5, BMW i8 or even a Caterham Seven 270, our award-winning team is here to help.

Our team will be able to advise on the very best cover choices that are available to you, from both mainstream and specialist insurers. As with all insurance policies, it is important to carefully check your fast car insurance policy wording to check that it is suitable for all your requirements.

You may have a modified version of a manufacturer’s standard car model, but you must remember to declare any modifications to the insurer, as it can have an effect on your premium and risk if you have increased engine performance. If your car has been modified, or the engine has been remapped to reach high speeds in a short space of time, your risk of having an accident is greater than if you were travelling in a lower-performance car.

Benefits of Comprehensive Performance Car Insurance

Comprehensive is the best level of protection you can find for fast car insurance quotes, and we usually recommend this cover for all high-performance vehicles, as more often than not high performance also means high value. It includes third party, fire & theft and will cover the cost of repairing or replacing your car if it’s involved in an accident or if it’s damaged maliciously. Comprehensive cheap fast car insurance often includes other benefits such as windscreen cover, extended cover for driving outside the UK, and a courtesy car to replace your vehicle if it’s in for repairs.

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Things to consider for your performance car insurance…

An important factor to consider when taking out an insurance for performance car policy is whether the insurers will insist on you using their chosen garage repairer in the event of an accident, or whether you get to choose your preferred specialist repair centre. This could well affect your warranty, depending on where your vehicle was purchased. You may also wish to make sure that any parts that could need replacing in the event of an accident repair are specific to your car’s make or model and not a generic ‘off the shelf’ version.

You may also wish to consider a guaranteed value policy, as opposed to market value, which is common for high value vehicles. In the event of a total loss, this type of policy would pay out a pre-arranged sum that was agreed at the inception of the policy. This is likely to require a valuation certificate from an independent expert to confirm the vehicles value for insurance purposes.

Particularly for cheap performance car insurance, it is common for insurers to request photographs of the vehicle (exterior, interior and engine etc.). Keeping copies of receipts from any modifications or repairs can be used to support evidence of your vehicle’s value.

With the increase in ‘steal to order’ thefts, performance cars need to have adequate security in place. An alarm or tracker type security device is a consideration and may also have the benefit of lowering insurance premiums. Ensuring your vehicle is kept in a garage or secure building overnight is also an option.

Establishing the true value of a performance car can be tricky! If it’s a rare vehicle and parts are difficult to source/or overly expensive, the cost of repair or replacing with good quality parts can be extremely high. All modifications, including alternative replacement parts (where original parts were not available), should be disclosed. When advising us of the value of your vehicle, it is worth considering obtaining an agreed valuation, rather than relying on unpredictable market price.

Get a High Performance Car Insurance Quote

Whatever your requirements, 1st Choice Insurance offers an award-winning service and is here to help. We offer you quick quotes, competitive prices, instant cover, and your insurance documents via email.

We believe that everyone deserves great value cheap fast car insurance policies, which is why we try to offer the best value for money with incredible savings. Call our friendly team today on 01743 770 500 or complete our Get a Quote Form to request a call back.

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