Car insurance for performance cars

What is classed as a high performance car?

Performance cars can come in many different shapes and sizes, but chances are if it can go from 0 to 60 in a matter of seconds it’s a performance car. The typical key features of performance cars are:

Larger engines
Lighter, more aerodynamic shape

What are some ways to lower my car insurance costs?

Our tips for getting cheaper 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 premiums

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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.

If it sometimes feels like we’re speaking a different language, you can find explanations for the important terms and words in our car insurance glossary.

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 or fire	Included	Included Fire and Theft only
What you owe others If you injure someone, damage their vehicle or wreck their 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 details of the other vehicle and driver	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's owner has given you the green light. 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

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.