Principal Insurance car insurance review
Is your modified, classic or kit car making it hard to find affordable car insurance? Here's our lowdown of the car insurance policies offered through Principal Insurance.

Are you in need of specialist car cover because of your specialist car? We’ve looked into the different policies that Principal Insurance offers as well as some of the key benefits. This insurance broker claims to be able to find the right cover for you, even if you have a classic, prestige or high-performance car. It can also offer multi-car or multi-vehicle policies. Here’s what else you need to know.
Principal Insurance is a specialist car insurance broker that was established in 2011. As well as a range of car insurance products, it also offers cover for motorbikes, vans, motorhomes, homes and businesses among others.
Principal Insurance tailors its car insurance for owners of classic, modified, prestige, high-performance and kit cars. It also has policies for young drivers and those with motoring convictions.
Principal Insurance offers two levels of comprehensive car insurance. If you are responsible for causing an accident, you’ll be covered for damage to third party vehicles or property, as well as your own car.
Have a look at the table below to see what the two cover options from Principal Insurance offer.
Product Name | Principal insurance Third party, fire and theft | Principal insurance Comprehensive |
---|---|---|
Damage to your car | ✓ | |
Damaged windscreen and window glass | ✓ | |
Fire and theft | ✓ | ✓ |
Liabilities to third parties | ✓ | ✓ |
Using the car abroad | ✓ |
Principle Insurance can provide add-ons to your policy, including the following:
Your cover through Principal Insurance is likely to become invalid if any of the following arises:
The insurer that offers you the policy through Principal Insurance may also have its own set of exclusions. Check your policy for further details to confirm your cover is valid at all times.
Call the Principal Insurance claims line on 0330 024 1376. You can also visit the Principal Insurance website and complete the claims form.
Principal Insurance recommends you have the following information to hand in order to make a claim:
It’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim.
Your insurance excess is the amount of money you have agreed to pay towards a claim. Your insurer won’t pay out for a claim that costs less than your excess.
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.
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.
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