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 can include:
- Enhanced engine performance
- Upgraded handling
- Quick acceleration and high top speed
- Improved suspension and braking systems
- Aerodynamic enhancements to improve stability
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
What does Aviva Signature car insurance 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.
What’s covered by our comprehensive cover
- 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. The amount paid will be up to a maximum of the market value of your vehicle. - Your liability to others
If you injure someone, damage their vehicle or property in an accident, we’ll pay to put it right. - Uninsured driver cover
You won’t lose your No Claim Discount if you’re hit by an uninsured driver and it wasn’t your fault. We’ll also refund any excess you’ve had to pay. You’ll need to give us the details of the other vehicle and driver. - 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. - Driving other cars
We’ll cover you to drive 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. We’ll cover third party costs but not repairs to the vehicle. Subject to eligibility criteria. - Legal costs
We’ll contribute towards legal expenses resulting from an accident where you are found to be legally liable. - Motor injury protection
Cover for you, your partner or named drivers in case of serious injury or death from a road accident. £5,000 per person, per policy year. - Individual No Claim Discount
Build up a discount for each vehicle you insure on your policy when you steer clear of claims. - Hang on to your No Claim Discount
We won’t reduce your No Claim Discount if you make a claim for loss or damage that wasn’t your fault – such as incidents involving potholes, severe weather, flooding or collision with animals.
What’s not covered
- Electrical breakdown
Including problems with the on-board computers – as well as electrical components. - Tyres
Any punctures, cuts or bursts – including those caused by braking. - Resale value
We can’t cover you for any loss in value of your car after repair.
What are some ways that could help lower my performance car insurance costs?
Things to consider when choosing car insurance:
- Drive your vehicle purely for pleasure
- Check your annual mileage reflects your driving
- Consider where you park your car
- Disclose your previous driving history, things like your no claims discount can help bring down your premium
Policy documents
If you already have Aviva Signature car insurance, you'll find the documents for your policy in MyAviva.
We’d encourage you to read your Car Insurance important information document (PDF 103 KB) and your Car Insurance Product Information Document (PDF 71 KB). You can also check what’s covered in your Motor Insurance policy wording (PDF 369 KB) and learn about Motor cover limits (PDF 135 KB).
If you want to add breakdown cover to your policy, you can find out more in Breakdown cover terms and conditions (PDF 223 KB). We also have information to help you if you’re Motoring in Europe (PDF 339 KB). You can also find out more about us and About our insurance services (PDF 101 KB).
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