Prestige Car Insurance
Tailored, bespoke prestige car insurance quotes. Individual policies designed to deliver optimum levels of protection, with competitive premiums for all makes of luxury and prestige motor car.
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 prestige car insurance quotes from over 130 of the leading UK niche and mainstream 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 deal.
Top 6 FAQs for UK Prestige Car Insurance
1. What is classed as a prestige car for insurance in the UK?
Prestige cars are typically high-value, luxury, or premium vehicles. This includes brands such as Bentley, Rolls-Royce, Porsche, Aston Martin, Maserati, high-end Mercedes-Benz, BMW, Audi models, and luxury SUVs. Insurers consider factors like vehicle value, repair costs, and specialist parts.
2. Is prestige car insurance more expensive than standard car insurance?
Yes, prestige car insurance is usually more expensive due to higher vehicle values, specialist repair requirements, and increased theft risk. However, specialist prestige insurers often provide better value than standard insurers by offering tailored cover rather than inflated premiums.
3. Do prestige car insurance policies include agreed value?
Many specialist prestige car insurance policies offer agreed value cover, where the car’s value is fixed at policy inception. This ensures you receive the agreed amount in the event of a total loss, rather than the market value at the time of the claim.
4. Can I choose where my prestige car is repaired?
Yes. Most specialist prestige car insurance policies allow repairs to be carried out by manufacturer-approved or prestige-approved repairers, helping maintain vehicle standards, warranties, and resale value.
5. Are modifications covered on prestige car insurance?
Factory-fitted options are typically covered as standard, but any aftermarket modifications must be declared. Specialist insurers are more flexible and experienced in covering tasteful or performance-related modifications without invalidating your policy.
6. How can I reduce the cost of prestige car insurance?
You can reduce premiums by: Using a specialist prestige car insurer; Installing approved security (tracker, immobiliser, secure storage); Limiting annual mileage; Increasing your voluntary excess; Maintaining a clean driving record and no-claims bonus.
Finding the right policy for your prestige car is not always an easy task. Not all insurers are adept at delivering first class levels of cover combined with sensible premiums at realistic prices. You will also need an insurer who can deliver excellent customer care and claims handling in the event of an accident.
Comprehensive prestige car insurance from the leading UK providers, flexible enough to meet your individual driver and vehicle requirements. Instant cover can be obtained online with offers of up to 70% for your no claims discount, and further discounts for membership of recognised car clubs.
Specialist UK brokers and intermediaries can provide insurance for all makes and models of prestige car including: Bentley, Rolls Royce, BMW, Audi, Lexus, Mercedes-Benz, Bristol, Daimler, Maybach, Range Rover and Maserati, to name some of the most recognisable marques.
In addition to everyday road use, it is possible to specify additional features such as insurance for non-competitive Track days (subject to underwriting) and car rally’s. See below for other possible prestige car policy features and benefits:
Discounts for previous ownership
Bonus/experience discounts
Occupation discounts
2nd car discounts available
Limited mileage discounts
Immobiliser/tracker discounts
Dealer direct liaison services
Approved repairer facility
Breakdown recovery
Legal protection
Chauffeur cover
