Looking for high-net-worth car insurance that doesn’t cost the earth? Let Fortify Insurance compare our markets to find you exceptional cover for a competitive premium.
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High-net-worth car insurance is tailored to the needs of owners of luxury, performance, or classic vehicles. It’s needed as standard motor insurance won’t have high enough policy limits to cover theft, loss, or damage to these vehicles. Its custom cover can include higher limits policy, agreed vehicle values, and like-for-like replacements.
High-net-worth car insurance can not only offer higher policy limits but also cover risks that standard policies can’t, such as:
While a specialist broker can find cover for most eventualities, there are some things that can’t be covered, including:
High-net-worth motor insurance is for people whose vehicles, collections or driving arrangements are too valuable or complex for standard car insurance. Unlike high-net-worth home insurance, which is usually only for people with properties valued at £1m+ or who have expensive possessions, high-net-worth motor insurance is available to anyone who has:
High-net-worth motor insurance costs anywhere from £1,500 to over £15,000. The exact amount will depend on the cost of the vehicles, their rarity, the amount of mileage they do, where they are stored, the number of vehicles needing cover, the no-claims bonus, age, and claims history of the driver(s).
Getting a quote is easy. You can call us on 01733 301520 or request your high-net-worth motor insurance quote today. Being independent, we can compare the market to find you the cover you’ll need for a premium you’ll like.
High-net-worth car insurance is a specialist policy tailored to the needs of owners of luxury, performance, or valuable classic vehicles. It’s needed as standard motor insurance won’t have high enough policy limits to cover the theft, loss, or damage to adequately cover them. This custom cover provides higher limits, agreed vehicle values, and like-for-like replacements
High-net-worth motor insurance is suitable for people who own sports cars, classic or vintage cars, and those who have a collection of cars
As well as the usual covers such as theft, loss to fire, and accidents, it can offer specialist protections such as: agreed-value cover, a choice of repairers, salvage retention, original manufacturer parts, and comparable courtesy cars
Agreed-value insurance means the insurer and policyholder agree the vehicle’s value when the policy is arranged. If the car is subsequently stolen or declared a total loss following an insured incident, this agreed amount will form the basis of the payout
Yes, some high-net-worth motor policies can cover multiple vehicles under one fleet policy. A collection can include everyday cars, prestige vehicles, supercars, classic cars and luxury SUVs
Some high-net-worth policies allow the owner to select a manufacturer-approved repair centre or a recognised marque specialist. This can be important when a valuable car requires specialist knowledge, original parts, bespoke paintwork or repairs to carbon fibre, aluminium, batteries or advanced electronic systems
Yes, assuming they have appropriate driving licences and are named on the policy
Yes, most policies will allow for a set number of days driving in the EU and some provide worldwide cover
It depends on the insurer, but many will insist on an alarm and an immobiliser, a vehicle tracker, secure overnight parking or garaging, and signal-blocking key storage
High-net-worth motor insurance costs anywhere from £1,500 to over £15,000. The exact amount will depend on the cost of the vehicles, their rarity, the amount of mileage they do, where they are stored, the number of vehicles needing cover, the no claims bonus, age, and claims history of the driver(s)
Yes, most policies will cover track days as well as exhibitions and rallies
