MOTOR COVER
Prestige Cars Insurance
Specialist motor insurance for high-value, classic, and prestige vehicles.
Get a QuoteSTRAIGHT ANSWER
Can You Arrange Car Insurance at 2am?
Yes — cover can be arranged at any hour. Mainstream direct insurers sell standard policies online in the middle of the night, and if you simply need a car legally on the road by morning, that is often the fastest route. The trade-off is a policy priced by an algorithm, with no agreed value and no one to call when something about your situation is unusual.
Prestige, classic and high-value vehicles are different: they need a human underwriter, which is why no one genuinely binds a £150,000 car at 2am. What works instead: send your details through our quote form whenever it suits you — it is open around the clock — and a broker picks it up and calls you back the next working day with terms. Once terms are agreed, your cover starts from the exact date and time you choose.
PRIVATE CLIENTS
Insurance That Values Your Car Like You Do
Your vehicle isn't just transport — it's an investment, a passion, or both. Standard motor insurance doesn't understand prestige and classic cars. Our specialist policies provide agreed-value cover, ensuring you receive the true market value in the event of a total loss. Whether you own a single supercar or a collection of classics, we work with underwriters who share your appreciation for exceptional vehicles. For everyday personal cover on second vehicles or family motor below the prestige threshold, our personal-lines sister brokerage can place the work.
What's Included
Agreed Value
Your vehicle is insured for its agreed market value — no disputes over depreciation.
Classic Cars
Specialist cover for classic, vintage, and veteran vehicles with limited mileage options.
Multi-Vehicle
Collection policies covering multiple vehicles with fleet-style discounts.
Track Day Cover
Optional cover for track days, hillclimbs, and driving experiences.
European Touring
Comprehensive cover for driving in Europe including breakdown and legal assistance.
Laid-Up Cover
Reduced premiums for vehicles in storage, with fire, theft, and accidental damage protection.
Why Standard Car Insurance Falls Short
Agreed Value Cover
Your vehicle is insured at a pre-agreed figure based on its true market value. In the event of a total loss, that is exactly what you receive — no depreciation, no negotiation.
Classic & Modified Vehicles
Whether it is a concours-restored E-Type or a tuned 911 GT3, we cover modifications, restorations, and limited-production vehicles with underwriters who understand their value.
Multi-Vehicle Discounts
Insure your collection under a single fleet policy. Multi-vehicle arrangements reduce administration, offer volume discounts, and allow flexible mileage allocation across vehicles.
How We Insure Prestige Vehicles
1. Vehicle & Usage Review
We assess each vehicle's value, usage pattern, storage arrangements, and modifications. Track day use, European touring, and laid-up periods are all factored into your policy.
2. Specialist Underwriting
We approach agreed-value specialists including Hiscox, Chubb, and Lloyd's syndicates who understand prestige and classic vehicles — ensuring accurate cover at competitive premiums.
3. Claims Advocacy
If you need to claim, we manage the entire process — from approved repairers who work on prestige vehicles to negotiating with underwriters to protect your no-claims bonus.
Frequently Asked Questions
We use independent valuations and market guides. You agree the value with underwriters at inception, so there's no ambiguity at claim time.
Yes, we can arrange cover during restoration including transit, fire, and theft, increasing to full cover once the vehicle is roadworthy.
Yes, we cover factory and aftermarket modifications. Just let us know the details and we'll ensure they're included in your policy.
For a standard vehicle, yes — direct insurers sell online around the clock. For prestige, classic or modified vehicles, cover needs an underwriter, so send your details through our form at any hour and a broker calls you back the next working day.
Once terms are agreed and the policy is bound, cover starts from the exact date and time you choose, including the same day. Straightforward risks are usually turned around quickly; unusual vehicles can take longer where valuations are involved.
The quote form never closes, and everything sent overnight or at the weekend is picked up on the next working day. If your need is urgent, say so in the message and it is prioritised.
Speak to a private broker
Get the right cover for Prestige Cars Insurance.
Tell us what you're protecting — your dedicated broker prepares a tailored quote and calls you back the same business day. No call centres, no queues, no scripts.
Independent broker · FCA authorised & regulated · 30+ years placing UK cover