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Car insurance for performance motors


Paying that extra bit of cash for a sexy, souped-up motor? Good for you – just make sure it’s properly covered.

If your idea of a good time is cruising on the open road in a slick, highly-tuned ride while blasting out Kenny Loggins’ “Danger Zone”, then a performance car could be for you.

From the modern supercars featured in the Fast and Furious franchise to classic marques such as Aston Martin and Ferrari, performance cars 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.

Just remember to stay within the speed limit, okay?

What is a high-performance car?

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 performance, eg adding a larger engine or upgrading the fuel system.

By and large, performance cars differ from traditional models in that they’ve been designed to perform better with their speed, handling and braking.

Manufacturers are able to improve performance in several different ways, including:

  • reducing the weight by selecting lighter materials such as carbon fibre

  • using specifically-designed components

  • tuning the engine

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.

Not convinced? Just take a look at the Ford Focus RS, Volkswagen GTI and Mini John Cooper Works.

How does performance affect insurance prices?

Three modified sports cars with body kits

There are a number of factors that go into working out how much you should pay for your insurance, but with high-performance cars:

  • 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.

You’ve probably sunk a fair amount of money into a performance car, so it’d be a shame for you to be out of pocket if it were involved in an accident.

That’s why 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, hopefully saving you money in the long run.

It’s also worth considering some extra security for a car that flashy. An engine immobiliser, alarm or tracker should help deter thieves, but can also help to keep your insurance costs down.


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