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If you own a high-performance car, chances are you have invested endless time and money into making it the perfect car. Take the time to find the best protection for your investment.
The speed, parts and model of the car will determine if you need coverage beyond your basic insurance. If your car has any of the following features, you’ll need to find additional coverage:
Many purely cosmetic or luxury modifications can be covered by a range of insurers, but you might need to find a specialist high-performance vehicle insurer to cover performance-enhancing modifications, or anything that affects your car’s handling. Naturally, modifications must be legal in order to get them insured and included in the car’s value.
High-performance coverage provides a range of benefits that you’re often unable to find with standard policies.
Agreed value is how much you and your insurer agree your car is worth. This number is locked in at the time of purchase, and can only be changed at certain times. This is especially useful for high-performance, heavily modified or classic cars, but generally costs more.
Your two main cover options are standard car insurance providers or specialists. The more cost-effective option will often depend on the model and driving ability of your car, coupled with how often you drive it.
Many providers have policies for special vehicles, such as imports, classics or modified cars, that may be enough for you. You might consider standard insurers for the following reasons:
These providers focus on high-performance cars that do more than simply get you to work. This coverage often allows you to race on tracks and will cover you for modifications done to your car. You might consider a specialist insurer for the following reasons:
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