Are you looking for the best car insurance for your high-performance car? Safely Insurance (previously Sky Insurance) says it doesn’t believe in “one size fits all” when it comes to insurance. Instead, this specialist insurance broker promises to tailor each policy to the individual.
Who is Safely Insured?
Safely Insured has been going for more than 35 years and is a specialist insurance broker offering a wide range of products including car, van, motorbike, household and business insurance, along with temporary cover, and protection for learner and young drivers. It also offers specialist car insurance for imported, modified (handled by QoutaX insurance) and performance cars.
Safely Insured is the trading name of Ramasis Limited.
Who underwrites the car insurance from Safely Insured?
Safely Insured works with a panel of insurers, including Marker Study, Ageas, AXA, Aviva and Highway in order to provide bespoke car insurance products. Safely Insured Services Group Ltd is authorised and regulated by the Financial Conduct Authority.
Third party cover is the minimum level of cover that is offered by Safely Insured. All drivers in the UK are legally obliged to have at least this car insurance. If you are responsible for causing an accident, you’ll be covered for damage to third party vehicles or property. Though it won’t cover any damage to your own car.
Safely Insured’s Third Party Fire and Theft cover
You’ll get the same level of cover as third party and also provide protection against any fire damage or theft of your car.
Safely Insured’s Comprehensive cover
You’ll get the same level of cover as third party and also provide protection against any fire damage or theft of your car.
What types of car insurance are available?
Temporary car insurance
Learner and young driver car insurance
Performance car insurance
Imported car insurance
Car club insurance schemes
Track Day insurance
Modified Car insurance
What is covered under my policy?
Your specific insurance benefits will vary depending on the level of cover you choose and the insurer that is able to provide the cover through Safely Insured. Check your policy details to ensure you have the cover you need.
Optional extras
Safely Insured can provide additional protection to add to your policy, including:
Your cover is likely to become invalid if any of the following arises:
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 are paid to carry passengers.
You fail to pay for your premium.
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 to save on your car insurance policy through Safely Insured
Check comprehensive. Contrary to what you might expect, comprehensive cover can be cheaper than third party (TP) or third party, fire and theft so it’s always worth checking. This is because of the risk profile of many people who get TP.
Park securely. Cars kept in a garage or on a secure driveway are usually cheaper to insure.
Reduce mileage. If you start working part-time or your long commute becomes much shorter, letting your insurer know about a reduction in your mileage could result in cheaper insurance.
Increase the excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.
Pick a smaller car. Choosing to drive a small and safe car is likely to lower your premium.
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.
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.
What is the claims process for Safely Insured?
You should call the Safely Insured Accident hotline on 0343 506 5793. This is a 24-hour claim line open 7 days a week. You’ll need to provide all relevant details about the incident when making a claim.
It’s also 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 later on.
Frequently asked questions
Yes. If you wish, cover can start instantly or can begin up to 30 days after you pay for the premium.
A quote from Safely Insured is valid only on the day it is obtained.
Yes, Safely Insured offers policies that can be paid in full or by monthly direct debit payments.
Yes. Temporary insurance cover can be taken out from 1 day up to 28 days.
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*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (April ’26). 51% of Confused.com car insurance customers could save £511.52.
Esther Wolffowitz was a publisher at finder.com specialising in insurance. Esther holds an MSc in Media and Communication Governance from the London School of Economics and Political Science (LSE).
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