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Performance car insurance - what you need to know


Paying that extra bit of cash for a slick, souped-up motor?  Make sure it’s properly covered.

performance car

From the modern supercars featured in the Fast and Furious franchise to classic marques such as Aston Martin and Ferrari, high-performance or supercars are a cut above the rest.

These cars tend to have race-prepared engines, tuned exhausts and uprated suspensions, allowing you to hit those higher speeds with ease.

With all this in mind, it’s essential to have the right cover for your high-performance car. Their ability to reach high speeds and huge value mean insurers see them as high risk.

The good news is there are certain steps you can take to reducing your premiums. 

Want to hear the sound of a supercar in high-definition? We pitted a Ferrari 458, an Aston Martin Rapide and an Audi R8 against one another in the Supercar Sound Battle.

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What is a high-performance car?

An insurer usually classes a high-performance car as a two-door, lightweight vehicle with a large, powerful engine.

But it’s a pretty broad category, as it covers prestige models, kit cars and imported motors.

It also covers regular cars that have been modified for high performance, e.g. adding a larger engine or upgrading the fuel system.

Other performance modifications can include:

  • Reducing the weight by selecting lighter materials such as carbon fibre.

  • Using specifically-designed components.

  • Tuning the engine, which is usually a V5 or bigger.

A high-performance car is exactly that. It can handle extremely high speeds. Whether that’s taking corners or braking at high speeds, it’s no problem for a high-performance car.

Manufacturers like Porsche, Jaguar and Aston Martin are well-known for producing performance cars. But even makers of standard cars sometimes produce high-powered versions of their usual models. For example the Ford Focus RS, Volkswagen GTI and Mini John Cooper

Performance car

How does performance affect insurance prices?

As with any car, there are a number of factors that go into working out how much you should pay for your insurance. But with high-performance cars there are other factors to consider:

  • The extra power involved means there’s a greater risk of an accident.

  • It’ll be more difficult and expensive to source specialist parts for repair.

  • They’re more desirable, and so a more tempting target for thieves and vandals. Some people even delight in damaging these cars. 

High-performance cars cost a great deal of money. So it’s worth looking at policies that offer the most protection for the best price.

A comprehensive insurance policy should cover your car for repairs if it’s damaged in an accident, or if it’s written off.

They’re also a magnet for thieves, so extra security is definitely worth looking into. An engine immobiliser, alarm or tracker should help deter thieves, but can also help to keep your insurance costs down.

You can also take a look at our car insurance saving tips to see how else you can save on your premiums. 


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