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Performance Direct car insurance review

Read our review of Performance Direct, which offers car insurance for classic, modified and American cars as well as for high-risk drivers.

If you worry about getting affordable car insurance because of your high-performance car or because you’re a young driver, Performance Direct claims to source competitive car insurance for a range of cars and high-risk drivers. The specialist broker also offers temporary and multi-car insurance policies. Here’s what else we think you should know.

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Who is Performance Direct?

Performance Direct is a specialist insurance broker that was set up in 1995 and is the general insurance division of Grove & Dean.

As well as car insurance, Performance Direct offers motorbike, van, motorhome, home, business and travel insurance amongst others.

Performance Direct is a trading name of Grove & Dean Ltd, which is authorised and regulated by the Financial Conduct Authority.

What are Performance Direct’s levels of cover?

Third party
Third party cover is the minimum level of cover that is offered by Performance Direct. To be on the UK roads, all drivers are legally required to have at least this level of car insurance. If you are responsible for causing an accident, you’ll be protected for damage to third party vehicles or property. You won’t be protected for any damage to your own car. And don’t assume this is the cheapest option just because it offers the least protection. Sometimes, this cover may work out more expensive than comprehensive. Check each cover level to see which offers the best value for you.
Third party, fire and theft
You’ll get the same level of cover as third party but this will also provide protection against any fire damage or theft of your car.
Comprehensive
This is the greatest level of cover on offer and will provide the same protection as the other levels as well as insuring your vehicle against accidental damage and vandalism. It’s always worth getting a quote for comprehensive cover, as in some cases it can be cheaper than lower levels of cover due to the risk profile of customers who choose them.

What are Performance Direct’s different policies?

  • Modified car insurance
  • Convicted driver car insurance
  • American car insurance
  • Temporary car insurance
  • Multi-car insurance
  • Young drivers car insurance
  • Performance car insurance
  • Prestige car insurance
  • Hot hatch car insurance
  • Imported car insurance
  • Sports car insurance
  • Young driver car insurance
  • 4×4 car insurance
  • Kit car insurance
  • Mini car insurance
  • VW car insurance
  • Learners car insurance
  • New driver car insurance
  • Student driver car insurance

What is covered under my Performance Direct policy?

Cover benefitsThird partyThird party, fire and theftComprehensive
Liability to other people and property
Fire and theft
Accidental damage
Legal expenses cover
Courtesy car cover

Beyond the standard cover benefits above, any other benefits to your insurance policy will vary depending on the insurer that is able to provide the cover through Performance Direct.

Check your policy details carefully to ensure you have the right cover for your needs.

Optional extras

Performance Direct offers extras that can be added to a car insurance policy. These include:

  • Breakdown cover
  • Legal expenses cover
  • Excess protection cover

What policy exclusions are there?

Any cover arranged through Performance Direct is likely to become invalid if any of the following arises:

  • You are paid to carry passengers
  • You fail to pay for your premium
  • Your car is being driven by an unnamed driver on your policy or by a person that does not have a valid driving licence
  • Your car is used for rallies, races or competitions
  • You change your car during the policy term to a car that the insurer cannot cover
  • You do not provide the correct documents to support your application

Check your policy for further details to confirm your cover is valid.

How do I make a claim?

Performance Direct has a 24/7 claims line that you can call on 01708 925 057.

You’ll need to have your insurance policy details as well as all facts about the incident to hand.

It’s important that you let your insurer know about an incident as soon as possible, even if it’s not your fault. A delay in reporting an incident or failure to report it could result in a rejected claim later on.

What is my excess?

Your insurance excess is the amount of money you have to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.
A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which could in turn reduce your premium.
Meanwhile, a compulsory excess amount might vary depending on the age of your car and your driving experience.

You’ll find details about any compulsory or voluntary excesses in your policy document.

Performance Direct pros and cons

Pros

  • Specialist car cover for a range of cars and drivers
  • A range of optional extras to enhance policies
  • 24/7 claims line available

Cons

  • Amendments to your policy may incur admin fees
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