Prestige Car Insurance

Specialised motor insurance policies for cars valued over £75,000

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At Heath Crawford, we understand with the joy and pleasure of owning a high value vehicle, comes the need to protect it. We appreciate the additional risks and needs of insuring a prestige vehicle, therefore we can offer comprehensive and competitive cover. 

Please contact us for further friendly, expert advice, or to get your personalised prestige car insurance quote.

What is prestige car insurance?

If you own a prestige car, it will no doubt be your pride and joy and you will want to make sure that it is properly protected.

Prestige car owners often put a lot of time and effort into caring for their cars. It is essential that your car insurance provider understands this, so a prestige car policy is the ideal choice.

What kind of vehicles can be covered by prestige car insurance?

Prestige car policies are available for vehicles with a value of in excess of £75,000.  They are tailored to suit vehicle brands including:

  • Audi
  • Bentley
  • BMW
  • Ferrari
  • Mercedes
  • Porsche
  • Lamborghini
  • Mclaren
  • Rolls Royce

If you have an accident or damage your prestige car, you can choose your preferred garage to repair your vehicle, rather than have to use a garage chosen by the insurer as you would with a standard car insurance policy.

You are also guaranteed to receive the agreed value of your car as standard if it is written off, rather than the market value.

What are the benefits of prestige car insurance?

Prestige car insurance offers a range of benefits for  high-end vehicle owners. 

One of the main advantages is the comprehensive coverage that goes beyond standard car insurance policies, providing protection for the elevated value and specialised features of prestigious cars and supercars

Additionally, cover can provide luxury car owners often any necessary enhanced repair or replacement options using original manufacturer parts, ensuring the vehicle’s warranty and performance are maintained. Prestige car insurance typically also includes coverage for high-end accessories and customisations.

Premium services such as concierge assistance, roadside support, and coverage during international travel and road trips  are also common perks, delivering a superior level of convenience and peace of mind to discerning car enthusiasts. 

Overall, prestige car insurance offers a bespoke approach, combining comprehensive coverage with exclusive services to meet the distinctive requirements of high-value vehicle ownership.

What does prestige car insurance include?

Comprehensive Coverage:

Prestige Car Insurance provides extensive coverage that goes beyond the basics. It includes protection for the high value of luxury vehicles, covering damages resulting from accidents, theft, vandalism, and natural disasters.

Agreed Value Coverage:

Owners of prestigious vehicles often benefit from agreed value coverage. This means that in the event of a total loss, the policyholder receives a predetermined amount that reflects the agreed-upon value of the car.

Original Manufacturer Parts:

To ensure the optimal performance and preserve the warranty of high-end vehicles, Prestige Car Insurance often includes coverage for repairs using original manufacturer parts. This ensures that the vehicle is maintained to its original specifications.

Roadside Assistance:

Prestige car insurers often offer premium roadside assistance services. This includes services like emergency towing, flat tire assistance, and refuelling, provided by professionals familiar with luxury vehicles.

Coverage for Customisations and Accessories:

Luxury car owners often invest in customizations and high-end accessories. Prestige Car Insurance can include coverage for these enhancements, ensuring that the added value is taken into account and protected in the event of damage or theft.

International Coverage:

For those who travel internationally, some Prestige Car Insurance policies extend coverage beyond national borders. This means that your high-value vehicle is protected even when you’re driving in foreign countries.

Enhanced Liability Limits:

Given the higher potential costs associated with accidents involving luxury cars, Prestige Car Insurance typically offers higher liability limits compared to standard car insurance. 

Specialised Claims Handling:

Prestige Car Insurance often provides a higher level of service when it comes to claims handling.

Flexible Mileage Options:

While some policies may have mileage restrictions, Prestige Car Insurance often offers more flexible mileage options, recognizing that luxury cars are sometimes driven less frequently or for special occasions.

Discounts and Multi-Policy Options:

Insurers may offer discounts for various factors, such as bundling multiple high value vehicles under the same policy, having a clean driving record, or installing advanced security features. These discounts can help offset the premium costs associated with insuring high-value vehicles.

Choosing the right prestige car insurance policy

Selecting the right prestige car insurance policy is an important decision to give you peace of mind that your high-end car is adequately protected.

First, begin by assessing the specific needs of your high-end car, considering factors such as its make, model and purchase value. Look for a policy that offers comprehensive coverage, including protection for the agreed-upon value of the vehicle, original manufacturer parts for repairs, and coverage for any custom enhancements. 

Evaluate the policy claims handling process, and consider any additional perks offered, such as premium roadside assistance, international coverage, and flexible mileage options. 

Compare policy terms, premiums, and available discounts to find the best balance between coverage and cost. Finally, read the policy details carefully to understand any limitations or exclusions. 

Here at Heath Crawford we know that choosing the right prestige car insurance policy involves excellent customer service, and a balance between coverage and value. If you’re interested in Prestige Car Insurance with us, please fill in the form below with your contact details and we’ll get back to you as soon as we can.

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Prestige Car Insurance FAQ’s

How much does Prestige Car Insurance Cost?

Premiums for Prestige Car Insurance tend to start at around £1,000, but premiums may be less dependant on specific factors such as storage location and driving record

Are there specific mileage restrictions for prestige car insurance?

No. Insurers are happy to be flexible, but discounts are more widely available for lower mileage usage

Do prestige car insurance policies cover exotic or rare cars?

Yes – Rare and Exotics vehicles can qualify as a prestige car, but the value must exceed £75,000.

Can I get coverage for classic or vintage cars under prestige car insurance?

Yes,  If the value is over £75,000. If your classic or vintage car is part of your collection, as long as one of the vehicles within the collection is valued at over £75,000, insurers will accept lower value vehicles as part of a wider portfolio.

Is there an age restriction for drivers covered under prestige car insurance?

The prestige car insurance market is more flexible than the standard market and insurers are willing to insure younger drivers on valuable cars, but subject to certain factors like no claims being made.

Do I need an appraisal for my prestige car to get insurance?

For some agreed value policies, insurers do require an appraisal, but this tends to be for more specialist vehicles, rather than for your everyday supercars.  

Is track-day coverage available for high-performance vehicles?

Not as standard, but track-day coverage can be arranged upon request.