Prestige Car Insurance
You’re in the driving seat with a highly polished policy
Prestige Car Insurance
When you’re looking to insure a high-value car, most standard policies fall short by miles. At Macbeth we work with a number of specialist insurers who have raised the bar to provide superior cover that reflects your vehicle’s exceptional qualities.
What is Prestige Car Insurance?
Prestige Car Insurance is a specialist policy with fewer restrictions than standard motor insurance, with everything from unlimited in-car entertainment cover to the freedom to choose your own repairer. It is a must for anyone who drives a high-value vehicle, whether it’s the latest supercar or a cherished example from the world of classic cars. This makes it especially suitable for owners of luxury, high performance, and classic cars who require tailored coverage for their valued vehicles.
“Insurers involved in the high-value motor insurance market differentiate themselves on cover. If you mingle in the right circles, it’s likely that your friends will have expensive vehicles too – so among the great benefits of Prestige Car Insurance is the comprehensive ‘driving other cars’ extension that’s included as standard.”
– Carl Sharp, Prestige Car Insurance specialist at Macbeth
Questions about Prestige Car Insurance?
How Prestige Car Insurance protects you
Prestige Car Insurance gives you comprehensive cover for any vehicle you drive – and for anyone who (with your permission) gets behind the wheel of your car. There’s no excess for total loss, no deduction for wear and tear, and no penalty for non-fault claims. You are prepared for any eventuality involving your luxury car, thanks to the comprehensive nature of the cover.
You also get breakdown cover for the UK and Europe, plus vehicle recovery services to get you back on the road quickly. An award-winning claims service sees the majority of claims agreed within 48 hours, showcasing the efficiency of the claims process for high-value vehicles. Certain policy features can prove valuable in the long run, offering extra reassurance and support.
Special cars require special cover. With Prestige Car Insurance you can rest assured that you’re getting superior protection designed to fit your lifestyle perfectly. Specialist insurers generally offer policies tailored to the unique needs of high-value vehicle owners.
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Fully comprehensive cover
No matter what car you, or a named family member, drive
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Agreed vehicle value
From the outset, your policy will state the amount you’ll be paid if your car is written off
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Like-for-like courtesy car
You don’t have to downgrade if you have an accident or your car is stolen
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No repair restrictions
Where your car is taken to be repaired is entirely up to you
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Unlimited foreign trips
Your car can be taken out of the UK for up to 90 days on each trip, offering unparalleled flexibility for international travel
Why you should consider Prestige Car Insurance
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One of the main benefits of Prestige Car Insurance is the policy extension that means you can jump into a friend’s Ferrari, McLaren or Bugatti and be insured comprehensively. It also works in reverse, so you can let a friend take your car for a spin whenever you want, thanks to the driving other cars extension included as standard.
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The freedom to choose a repairer can be vitally important. For example, a Lamborghini owner may have to send their car to Italy because only a few UK repairers work with aluminium.
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If you need a courtesy car, you won’t be expected to manage with a 1.0L hatchback when you’re used to something a lot faster and more luxurious! The policy is designed to balance price and coverage, ensuring luxury and high performance cars are protected without compromising on essential features.
Request a personalised insurance quote today to see how we can protect your prestige vehicle.
Added peace of mind: Breakdown and Courtesy Services for Prestige Cars
Complete Protection for Prestige Cars
Owning a high value car is about more than driving, it’s about passion, investment, and enjoying every journey with confidence. That’s why our prestige car insurance is tailored to your lifestyle, offering comprehensive cover for luxury cars, supercars, and classics.
Breakdown, Courtesy Cars & Specialist Cover
Our policies go beyond standard insurance. If you break down or have an accident, you’ll receive a like-for-like courtesy car, so you never have to compromise on comfort or performance. Breakdown cover extends across the UK and Europe, while agreed value protection ensures you receive the full amount agreed at the start of your policy. Plus, you can choose your own repairer; trusted specialists who understand high value vehicles.
Personal Service & Expert Claims Support
We create bespoke policies with access to leading specialist insurers, combining superior cover with competitive premiums. If the worst happens, our award-winning claims team makes the process fast and stress-free, so you can get back on the road with minimal disruption.
Looking for high value car insurance that’s more than just standard cover? Speak to the Macbeth team today and discover how our policies protect your investment while keeping you driving in style.
Have you considered...?
Superior cover for prestige cars.
Talk to one of the Macbeth team.
- Reading 0118 916 5480
- Marlow 01628 532 613
FAQs
What is prestige car insurance?
Prestige car insurance is specialist cover for high-value, luxury, high-performance or classic vehicles. It offers more generous limits and perks than standard motor insurance, such as agreed value cover, choice of repairer, foreign travel cover, like-for-like courtesy cars, no deduction for wear and tear, and more flexible claims terms.
Do I need prestige car insurance if I own a luxury car?
Yes. If your vehicle is expensive, rare, or costly to repair, a prestige policy ensures you’re not underinsured. Standard policies often impose limits that are too low or have restrictions that don’t suit high-value vehicles.
What features are included in prestige car insurance?
Typical prestige car insurance policy features include:
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Agreed value protection
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No or reduced penalties for non-fault claims
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Choice of repairer
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Like-for-like courtesy car
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UK and European breakdown cover
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Driving other cars extension
How much more does prestige car insurance cost compared to standard policies?
Premiums vary depending on vehicle value, performance, modifications, driver history, security, mileage and location. Costs are usually higher than standard policies, but the added cover helps avoid being underinsured.
What should I look for when getting a quote for prestige car insurance?
Key things to check include:
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Whether the policy offers agreed value cover
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How repairs are handled and if OEM parts are used
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The level of excess and impact of non-fault claims
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The type of courtesy car provided
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Restrictions such as mileage limits, overseas travel and storage requirements
Can I insure more than one prestige vehicle under one policy?
Yes. Many insurers and brokers offer multi-vehicle or portfolio solutions, allowing you to cover multiple prestige cars under one policy or align renewal dates.
Are classic cars covered under prestige car insurance?
Yes. Prestige policies often include cover for classic and vintage vehicles, though a dedicated classic car policy may sometimes be more suitable depending on age, usage and condition.
Does prestige car insurance cover driving abroad?
Most prestige car policies include UK and European travel cover, usually for a set number of days per trip. Some offer even greater flexibility, so always check the terms.
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