Why is car insurance more expensive for a performance car?
Performance cars are typically more expensive to insure due to their high-powered engines and expensive parts. They’re also more likely to be vandalised or stolen which can affect insurance premiums.
There are many different reasons your car insurance premiums can vary, such as:
- Your age
- Location
- Driving or claims history (points on your licence, convictions)
- The type of car
- Usage
- Mileage
- Driving record
- The type of cover you choose
- Voluntary excess
Understanding the different types of cover
Car insurance is there so that bumps, scrapes or crunches to your car keep any dents in your routine or bank balance to a minimum. Here’s what each level of our insurance will protect against.
Unfortunately, we can't cover everything - make sure you're happy with what's not covered by checking our motor insurance policy wording.
| Comprehensive Car | Third Party Fire and Theft | |
|---|---|---|
| Loss or damage Money towards a new car if someone steals yours, or we'll arrange and pay for repairs if they're needed after an accident, fire or theft | Included | Included Fire and Theft only |
| Your liability If you injure someone, damage their vehicle or property in an accident, we'll pay to put it right | Included | Included |
| Uninsured driver cover If your vehicle is involved in an accident caused by an uninsured motorist, we'll refund any excess you've paid. You'll need to provide us with the other driver’s name, contact details and their vehicle registration number | Included | Not included |
| Vehicle recovery If your vehicle's in no shape to drive after an accident or fire, we'll deliver it to one of our approved garages. We'll take you and your passengers home, get you where you're going or pay up to £500 towards the cost of an overnight stay or public transport. Geographical restrictions apply | Included | Included Fire and Theft only |
| Driving other cars Cover for driving someone else's car if you're 25 or over at the start of the policy, you're the vehicle policyholder and the vehicle owner has given you express consent. It covers any third party costs, but not repairs to the vehicle | Included | Not included |
| Legal costs We’ll put an amount towards any legal fees that might come about if you’re in an accident that you're legally liable for | Included | Included |
| Motor injury protection Cover for you, your partner or named drivers in case of serious injury or death from a road accident | Included £5,000 per person, per policy year | Not included |
| Individual no claim discount Build up a discount for each vehicle you insure on your policy when you steer clear of claims | Included | Included |
| Hang on to your no claim discount If you claim for loss or damage through no fault of your own - such as in chance meetings with potholes, storms, flooding or animals - you'll not wave goodbye to your no claim discount
| ||
| Electrical breakdown Should you have glitches with your on-board computers, and any other electrical parts | Not included | Not included |
| Tyres Any punctures, cuts or bursts – even if they’re caused by braking | Not included | Not included |
What are some ways to lower my performance car insurance costs?
Our tips for getting affordable car insurance:
- Drive your vehicle purely for pleasure
- Check how much you're driving based on your mileage
- Park safely and securely
- Disclose your previous driving history, things like your no claims discount can help bring down your premium
Policy documents
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