High Value Car Insurance UK

Enjoy the freedom of the open road when you choose Quote Detective. Our experts know the requirements for insuring high-value cars down to a T. Get a car insurance quote from us today!


Shape your insurance policy

Owning a car of high value is more than a status symbol. In addition, it’s a reflection of the hard work and dedication you’ve placed in your craft. Recognising  the specialist insurance and cover these cars require has led us to develop a unique scheme that will protect you and your vehicle on the roads.

You could reconsider getting an ‘off the shelf’ car insurance quote and switch to a policy designed to suit your needs.

Our high value car insurance has been designed to fit perfectly with our multi car insurance.  Importantly, you can add up to 20 vehicles under one policy and an unlimited number of drivers, making our scheme unlike any other in the industry today.  We also insure other ‘weird and wonderful’ vehicles such as kit cars and classic motorbikes. Check out our blog post on multi car insurance to find out more.

What is high net worth car insurance?

Similar to any other car insurance policy, high net worth car insurance is designed to protect your vehicles.

Additionally, like any other policy, the levels of cover are the same. If you’re looking to insure multiple high net worth cars, such as classic cars and prestige cars, you can choose the level of cover you want on each vehicle. What’s more, you won’t even have to worry about renewal dates because we can create a multi-vehicle policy just for your high net worth cars. As a result, you’ll have less paperwork to fill out and you’ll save money and time.

In addition, with our industry-leading technology we can search the market to get you the best multi car prices.

Finding the right policy

Finding the right cover for a high net worth car is difficult because it’s such a niche policy. Additionally, comparison sites don’t have the same cost-effective impact on this policy as they do on others.

As leading specialist brokers, our insurance panel pulls quotes from all the top insurance providers in the UK. Instead of going to 4 or 5 brokers, we can pull the quotes you’d get from them on our system, saving you all the hassle.

Speak to our specialist high net worth team and they’ll design your quote on 0333 222 4005 or similarly go to our website to find out more.

How can you keep the premium’s low?

Due to their affluent nature, a lot of high-value cars tend to have high premiums. This is largely due to them being grouped higher in the car insurance groups.

But these ranges are not only formed based on the car you have, but they also indicate risk and help insurers to accurately estimate the risk of your car.

Of course the driving experience of the policyholder is also an important factor in reducing your insurance premium, with a high No Claims Bonus helping to lower your quote in any instance.

Despite high value cars being towards the higher end of the groups, there are still ways you can save money on your premiums. Here are 5 steps you can take that will save you money on your premium.

  • Pay annually:

    Paying annually instead of monthly removes the interest added from lenders. However, we recognise that paying annually is a big ask, so don’t worry if you can’t.

  • Avoid modifications:

    By having modifications on your high-value cars, you premiums will likely be more expensive. Modifications may be changes to either how the car looks or how the car runs.  Changing the size of the engine will almost certainly increase your premium but it hard to say to what extent without assessing each case individually.

  • Tighten up your car’s security:

    Adding extra security measurements such as tracking or immobilisers let’s insurers know that your vehicle is unlikely to be stolen.  This will also be helped if your vehicle is kept off of the road and either in a locked compound or in a driveway, away from the street.  As a result, the vehicle is less likely to be damaged or stolen.

  • Travel fewer miles:

    Lowering your mileage will get you cheaper quotes because you’re on the road less. As a result, insurance providers will see this as a good indication that you’ll be a low-risk driver. However, do not underestimate your mileage because it could invalidate your policy.

  • Improve your NCB:

    Additionally, improving your NCB is one of the best ways to lower your premiums. Because having multiple years on your NCB shows insurance providers that you are experienced and not a risk on the road. As a result, you’ll get cheaper car insurance quotes.

Why Quote Detective for your car insurance?

With a proven track record in delivering customer success stories, our team of experienced and passionate underwriters get the job done. The combination of industry-leading technology and excellent customer service is our winning formula.

Insuring luxury or sports cars requires cutting-edge technology and expertise. We’ve invested heavily in our system to ensure we can serve the needs of our customers’ diverse portfolio.

High-value car insurance is the right policy for your portfolio. Placed under our care, your vehicles can be fully protected. Allowing you to have the peace of mind you deserve.

So don’t waste anymore time, call us today 0333 222 4005.

Need to contact us?

Our friendly team is ready to help you with anything you need:

Monday – Friday : 8:30am to 7:00pm

Saturday : 9:00am to 2:00pm

Sunday and Bank Holidays: Closed


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