High-value car insurance

We understand that everyone’s needs differ, which is why you can tailor your policy to include:

• Breakdown cover assistance

This covers UK or European cover and home start (if your car breaks down at your home).




• Legal expenses

Covers the cost of legal expenses if you're involved in an accident.




• Windscreen cover

Covers the cost of repairs and replacements if your windscreen is cracked, chipped or smashed.






• European cover

Up to 90 days European cover as standard with an option to extend beyond 90 days.




• Courtesy car

If your car is stolen or involved in an accident, you’ll get a courtesy car that’s a similar specification to your current car.




• Choice of repairer

Put your car in safe hands with a repairer of your choice or choose a garage from our established insurer network.




• Multi-vehicle cover

You can insure all your vehicles under one policy, including sports cars, classic cars and motorcycles. And with one policy for all your vehicles, you’ll only have one renewal date to manage.




• Agreed value cover

You can agree a fixed value for your vehicle with your insurer. Usually reserved for classic cars and motorcycles, we also accept other vehicles (subject to certain qualifying criteria).

While high-value car insurance can offer comprehensive cover, it can’t cover everything. You won’t be insured for:

• Any wear and tear

Such as gradual deterioration from everyday use.

 




• Any mechanical or electrical failure or breakdown

For example, an electrical failure with your brake lights and windshield wipers, or a mechanical failure like ABS malfunctions or worn brake pads.

 




• Theft with keys

You won’t be covered if somebody steals your car while your car keys are left inside or on your vehicle. This also includes attempted theft.

 




• Claims reported after 180 days

Legal costs won’t be covered for any claims you make 180 days after the event takes place.