PRESTIGE CAR

INSURANCE

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PRESTIGE CAR INSURANCE

Prestige cars – also known as luxury vehicles - are those which, when you see them driving past, make you turn your head and admire their sleek curves and the purr of their engines. Designed with luxury in mind, these vehicles can be hired for functions as well, whilst older models may attract those who like to collect classic cars.

Who Drives Prestige Cars?

Prestige cars are usually associated with high rollers, footballers and even James Bond, these vehicles are for those who like to make an impression and enjoy the feeling of driving something larger and a bit more powerful.

Prestige car hire is also a popular service, particularly for functions such as weddings and track day events for the thrill of driving the vehicles for a day.

What is considered a ‘prestige’ car?

There are a number of car manufacturers which are recognisable brands in the world of prestige automobiles, including:

  • Alfa Romeo
  • Aston Martin
  • Bentley
  • BMW
  • Jaguar
  • Lexus
  • Maserati
  • Mercedes Benz
  • Porsche
  • Range Rover
  • Rolls Royce

Rather than being small and sporty vehicles, prestige cars are designed with luxury in mind, usually tailored to the specifications of their owners, this can be anything from the material used to line the interior, the material used to manufacture the dashboard, even the additional technologies built-in to said dashboard.

Expensive all round?

With an increase in power also comes with an increase in risk of being involved in an incident, as well as a higher risk of theft. Bear in mind as well that any replacement parts for your prestige vehicle will be more expensive to replace should you be involved in an accident due to the cost of materials required for repairs.

Whilst prestige cars can be seen as a sign of wealth, with a higher-valued car comes a higher-valued insurance policy. Indeed, prestige car insurance can be quite pricey if you’ve not taken the necessary steps to reduce your premiums.

How can I reduce my premium?

Because of the look and cost of prestige vehicles they are considered at a higher risk in the world of insurance, particularly depending on the area where you live. If you live in an area which has a high crime rate your insurance premium will be more expensive, especially if you’ve no safe storage area for your vehicle.

How Can I Protect My Prestige?

Taking steps to ensure that you put off any would-be thieves can help keep your insurance premium low, these can include:

  • Parking the vehicle in secure storage and not on a public road
  • Fitting an alarm system for additional security
  • Using external deterrents such as steering wheel locks to put thieves off
  • If the vehicle is stored at a home address, consider investing in a CCTV system to keep an eye on the vehicle when parked up

Advanced driving courses can also help to reduce your premiums, particularly those that involve advanced manoeuvres such as wet weather driving.

Prestige cars are usually heavier or more sensitive to movement than your regular hatchback, so by giving yourself a little training beforehand you can not only get used to the feel of the vehicle but also help to reduce your prestige car insurance premium.

Can An Under 25-Year Old Drive A Prestige Car?

Age can also play a part in the cost of your prestige car insurance policy. Many companies that hire these vehicles will have a minimum requirement when it comes to age and driving experience before even thinking about hiring you the vehicle.

Because drivers under 25 are seen to be more at risk no matter what sort of car they drive, insuring a younger driver against a prestige vehicle is going to be very expensive – if possible at all – but by ensuring you’ve built up some no claims bonus and taken an advanced driving course you can help increase your chances as your experience builds.

Whether you want to aim high with an Aston Martin, look good in a Lexus or roll through town in a Rolls Royce, let us search for a prestige car insurance quote that suits you here at Quotiva.

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