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Revving up the engine on your own Aston Martin or Ferrari means high-octane thrills, even on a routine drive. But for all the excitement and head-turning aesthetics, the best performance car insurance can be costlier than you might expect. Buckle up for our guide to car insurance for performance cars.
It’s a legal requirement to have car insurance if you’re driving any road-worthy vehicle, but of course, not all cars are created equal. Car insurance for expensive or ‘performance’ cars is usually more expensive than for regular vehicles. Why?
Car insurance for high performance cars is designed to meet the specific requirements of cars that are higher value and are likely to cost more to repair or replace if the worst happens.
All cars fall into one of 50 car insurance groups that help to define the cost of insurance. The rating is worked out by looking at the car’s specifications, including:
High performance cars are among the more expensive car categories to insure, but there are other factors that can determine the cost of performance car insurance cover, such as:
While there’s no standard definition to explain what a sports or performance car is, it’s clearly not a vehicle that’s designed just to take you from A to B. Sports cars have powerful engines, aerodynamic body shapes, smart suspension, sticky tyres and performance brakes. And the definition doesn’t just apply to high-end sports cars – it can include other categories such as luxury SUVs. While luxury brands such as Lamborghini or Porsche are well known sports car manufacturers, there are also high-performance versions of more standard cars like a Ford Focus RS.
For insurance purposes, some of the definitions of a sports car might include:
There’s no simple answer as to how much high performance car insurance might cost. As we’ve covered, the quote you receive will invariably be higher than car insurance in general due to many unique factors, including the cost of finding bespoke repair parts, the heightened risk of vandalism and theft, and the fact that the higher speeds could lead to a greater risk of accidents.
However, when you’re looking at sports car insurance, you can help to keep the costs lower by:
There are lots of factors you may wish to think about, and questions to raise with the insurer, before taking out sports car insurance. For example:
There is no guarantee that Saga can provide performance car insurance, but of course, you’re welcome to get in touch and we’ll let you know what (if any) financial protection we can offer. Generally speaking, when you’re looking for high performance car insurance, you’ll need to have a few things ready in order to get an accurate and personalised quote, such as:
By getting high performance car insurance, you can give yourself some reassurance that you’re protected against various unforeseen events.
Enquire about a high performance car insurance quote from Saga
There's plenty to explore and learn about our car insurance cover.