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High Performance Car Insurance

Our team at 1st Choice Insurance believes that everyone deserves great value on their insurance policies, which is why we offer great value for money with incredible savings. Call us today on 0800 078 7003 – 0300 600 0603 or complete our Get a Quote Form.

At 1st Choice Insurance, our team will use their specialist knowledge of the insurance market to ensure you get the cover you need at the right price. With experience in arranging Performance Car Insurance for our clients, we can advise on the best level and type of cover for your needs.

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, 1st Choice Insurance is here to help.

Our team will be able to advise on the 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 policy wording to check that it is suitable for all your requirements.

You may have a modified version of a manufacturers 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 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.

Things to consider…

An important factor to consider when taking out a performance car policy is whether the insurers will insist on you using their preferred garage repairer in the event of an accident, or whether you can choose your preferred specialist repair centre, which could affect your warranty, depending on where your vehicle was purchased. You may also wish to ensure that any parts that may need to be replaced in the event of an accident repair are specific to your car 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 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.

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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 agree valuation, rather than relying on unpredictable market price.

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Whatever your requirements, 1st Choice Insurance is here to help. Call our friendly, experienced team on 0800 078 7003 – 0300 600 0603 for a no obligation quotation or use our Get a Quote Form.