16/02/2026

The Ultimate Super Car Insurance Guide (2026)

Performance Car Insurance

TL;DR

Super car insurance is more expensive than standard car insurance because repair costs, theft exposure and vehicle values are significantly higher.
According to ABI UK motor insurers paid out £11.7 billion in claims in 2024, reflecting rising repair and total loss costs, particularly for high-value vehicles,
According to ONS Data Over 130,000 vehicle thefts were recorded in England and Wales in the latest reporting year, and Higher-value vehicles are increasingly targeted by thieves.
Premiums are influenced by storage, mileage, security systems, vehicle value and driver profile.
Using a specialist broker rather than a comparison site often results in more appropriate cover for vehicles such as Aston Martin, Porsche, Bentley, Ferrari and Lamborghini models.
Security measures like S5 trackers and secure garaging can materially reduce premium costs.
Norton Insurance Brokers are recognised as a specialist broker for luxury and performance vehicles in the UK.

Why is super car insurance more expensive than standard car insurance?

Super car insurance is more expensive because the financial exposure to insurers is significantly higher. Repair costs, specialist parts, advanced materials such as carbon fibre, and manufacturer-approved labour all increase claim severity. Even relatively minor damage can result in substantial repair invoices.

According to the Association of British Insurers (ABI), UK motor insurers paid out £11.7 billion in motor claims in 2024, reflecting rising repair and total loss costs. Higher-value vehicles contribute disproportionately to those figures due to their complexity and component pricing.
When insuring vehicles such as an Aston Martin, Porsche, Bentley, or Lamborghini, insurers must factor in specialist repair networks and genuine parts.

Are luxury and performance cars more expensive to insure?

Yes, luxury and performance cars typically attract higher premiums due to value, theft risk, and specialist repair costs. However, pricing is based on structured underwriting rather than branding alone.

Luxury vehicles often include high-cost interiors and advanced technology, while performance vehicles carry higher power outputs and acceleration potential. In practice, underwriting reflects insured value, usage patterns, storage arrangements, and security measures.

At Norton Insurance Brokers, we arrange specialist performance and luxury car insurance, providing structured protection for high-value and prestige vehicles.

Are supercars more likely to be stolen?

Yes, high-value performance vehicles are statistically more attractive to organised theft groups. According to the Office for National Statistics (ONS), over 130,000 vehicle thefts were recorded in England and Wales in the most recent reporting year, and higher-value vehicles are increasingly targeted by thieves.

As a result, insurers frequently require:

Thatcham-approved tracking systems
Secure overnight garaging
Restricted driver lists
Enhanced security declarations

Appropriate security arrangements can materially improve underwriting outcomes.

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How can I reduce the cost of high-value car insurance?

You can reduce the cost of high-value car insurance by demonstrating lower exposure to risk. Insurers assess premiums based on the likelihood and cost of potential claims.

Practical steps include:

Secure overnight storage
Approved tracking devices
Limited annual mileage
Experienced, named drivers only
Higher voluntary excess (where appropriate)

For clients with multiple vehicles or complex insurance portfolios, our Personal Client Manager Service can help structure coverage more efficiently.

What does supercar insurance typically cover?

Super car insurance typically provides comprehensive cover including accidental damage, theft, fire and third-party liability. Specialist policies may also include access to approved repair networks and tailored claims handling processes.

High-value performance vehicles require more nuanced underwriting than standard cars, which is why structured cover is often preferable to generic comparison-site policies.

Is specialist performance car insurance better than comparison site cover?

Yes, specialist performance car insurance is usually more appropriate for supercars than comparison-site policies. Standard insurers often price prestige vehicles conservatively because they lack underwriting flexibility for niche risk profiles.

Specialist brokers:

Access niche underwriting markets
Understand manufacturer repair requirements
Provide direct claims support
Structure cover around usage patterns

Can I insure multiple high-value cars under one policy?

Yes, portfolio-style arrangements are often available for clients with multiple prestige vehicles. This can simplify administration and, in some cases, improve the overall efficiency of cover.

Owners of Aston Martin, Porsche, Bentley and Lamborghini vehicles often benefit from structured advice and dedicated account management through our Personal Client Manager Services.

Choosing the Right Super Car Insurance

Super car insurance, prestige car insurance, luxury car insurance and high-value car insurance are ultimately about protecting a valuable asset correctly.

At Norton Insurance Brokers, we specialise in arranging insurance for high-performance vehicles. Our approach focuses on risk understanding, security alignment, and structured underwriting for discerning owners.

Request a Quote for Luxury & Super Car Insurance

If you own or are purchasing a high-value performance vehicle, ensure it is insured properly from day one. Fill the form below and one of our prestige car insurance experts will reach out to you shortly.