Performance Car Insurance
Specialising in helping you find a great deal on your Performance Car Insurance. If you are looking to reduce your current sports car premiums you can save money by completing the simple, and secure online motor wizard.
You could save up to £518*
*51% of consumers could save £518.14 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2025 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
Click through on the ‘Get a Quote’ button above to compare performance car insurance quotes from over 130 of the leading UK motor insurers, and obtain the most suitable fully featured cover and protection you require. The Quotezone click and compare service is entirely free to use. It is a totally independent and impartial insurance comparison site, already helping over 1 million drivers across the UK to get the best direct debit motor insurance deal.
Top 6 FAQs for UK Performance Car Insurance
1. What qualifies as a performance car for insurance purposes?
In the UK, insurers typically class a car as “performance” if it has high horsepower, rapid acceleration, a high top speed, or is a premium sports/supercar brand (e.g. BMW M, Audi RS, AMG, Porsche, Ferrari). Modified vehicles may also fall into this category.
2. Is performance car insurance more expensive than standard car insurance?
Generally yes, because performance cars cost more to repair, are more powerful, and are statistically at higher risk of theft or claims. However, specialist insurers can often offer competitive premiums compared to standard insurers who don’t cater well to high-performance vehicles.
3. Do I need specialist insurance for a modified performance car?
Yes. Any modification—engine tuning, exhausts, suspension, body kits, ECU remaps—must be declared. Specialist performance car insurers are better equipped to cover modified vehicles without excessive premium increases or invalidating cover.
4. Can younger drivers insure a performance car in the UK?
It’s possible, but premiums can be very high. Factors like age, driving history, postcode, and vehicle choice play a major role. Some insurers may impose restrictions, higher excesses, or refuse cover altogether for very high-powered cars.
5. Does performance car insurance cover track days?
Standard policies usually do not include track day cover. However, many specialist insurers offer optional track day insurance or standalone track day policies, which should always be arranged separately before attending.
6. How can I reduce the cost of performance car insurance?
You can lower premiums by: Building a no-claims bonus; Installing approved security (tracker, immobiliser, garage storage); Choosing a higher voluntary excess; Limiting annual mileage; Using a specialist performance car insurer rather than a mainstream provider.
Instantly locate the performance car insurance provider who is ‘best matched’ to your driving and sports, and high performance vehicle profile. Motor policies which combine a tailored selection of features and benefits all designed to provide the level of sports car protection required. Drivers of all makes and models of performance cars can obtain superb value-for-money insurance cover.
You have probably discovered that many general car insurance companies will not handle performance car insurance, or their premiums are outrageously high!
Through HomeApproved you will gain access to a panel of leading mainstream insurers and specialist hi-performance companies, UK insurers and brokers.
If you are lucky enough to own and drive a Ferrari; Lamborghini; Aston Martin; Porsche; Subaru Impreza; Mitsubishi EVO or even a Bugatti Veyron or Pagani then our secure, online quotes will deliver performance car insurance designed to take the hassle out of finding the right motor insurance partner.
It is also possible to cater for “Non Standard” risks which include modified performance cars, certain occupations, drivers under 25, poor accident/claims experience, convictions/bans and a host of other factors which could affect your hi-performance motor premiums.
Hot Hatch Insurance
Understanding hot hatches and hot hatch drivers means that your preferred insurer will be well placed to deliver the best value policies in the market. Whether you’ve just fitted alloy wheels or made extensive modifications, the first class high performance car insurance companies introduced by QuoteZone are sure to find you the right deal.
Advanced Driver Training
Successful completion of an Advanced Driver Training course will reduce your sports car insurance premiums. Take time to visit the web site of the Institute of Advanced Motorists (IAM) and carefully consider the potential benefits of enrolling for specialist tuition.
