If you drive a Ferrari, a limited edition Cadillac, a top-end model of Bentley or a fancy Lamborghini, the average car insurance policy will not work for you. You will need to invest in a separate plan with higher premiums and extras than the conventional vehicle insurance. Same is the case if you have multiple cars to ensure. As the worth of the vehicle is directly proportional to its premium, it makes perfect sense that insurance policies for prestige cars are more expensive than the regular ones. So, the prestige car insurance is the specially crafted insurance policy that caters to the high-end makes and models of the cars.
But, owning an expensive car does not mean that you need to pay exuberant amounts to get it insured. The key to getting low premiums and maximum coverage policy is in shopping around. Getting quotes from special prestige car insurance providers and comparing them can help you break a good deal. However, it can be challenging and time-consuming to get quotes and buy the policy. We are here to help you. Ensurance Compare makes it easy and time-efficient to collect quotes that are relevant to your requirements and we even cover convicted driver insurance in-there.
How Can Ensurance Compare Help You?
We understand the differences in an average car policy and prestige car insurance. Knowing the differences and having top prestige car insurers on our panel, we bring you the best prestige car insurance deals in the minimum time. With an easy process and quick response time, we ensure that you are getting value for money. Instead of going from website to website and insurer to insurer and filling forms, you can find quotes that offer value and can purchase them directly from the website.
At Enusrance Compare, our agenda is to bring you the best that the insurance industry has to offer so that you can take care of your pricey belongings without any worries. We collect quotes from the relevant insurers and compare them based on various factors and not just the price. We consider claim history, the processing time of claims, the time it takes to resolve the claims, customer reviews, and license while comparing the quotes to ensure you are not missing out on anything. So, Ensurance Compare is a platform where you can find the cheapest prestige car insurance quotes with coverage according to your requirement and use for your expensive car. You can save £££ on your insurance policy without compromising the financial protection.
Why Use Ensurance Compare?
Our users keep coming back to Ensurance Compare to get insurance quotes and compare them. Whether it is a conventional vehicle policy or to compare luxury car insurance quotes, we stand ahead of other comparison websites. The two distinguished features of Ensurance Compare are,
Who Should Consider Luxury/ Prestige Car Insurance?
Anyone owning an expensive model should consider prestige car insurance policy. However, the definition of luxury, pricey or expensive can vary from insurer to insurer. As a general rule of thumb, if the worth of your car is greater than the maximum coverage limit of vehicle insurance provided by your insurer, you should consider buying a prestige car insurance policy. If the cost of your car is within the highest coverage limit of a conventional policy, you do not need to spend additional money. Some of the common makes and models that fall into the category of luxury cars and need a separate, customized insurance are as follow
- Audi R8
- Lexus LX
- Rolls Royce
- Tesla S
Typical Coverage of Prestige Car Insurance
When you compare discounted prestige car insurance quotes, you should not just go for price alone. Depending on your needs and use of the vehicle, you can build your own policy with different features, perks, and limitations. However, you should be extra careful when you are buying a prestige car policy because it is stricter than the average policy and can have stringent limitations. A luxury car insurance policy can have the following coverage.
It is typically the part of every luxury insurance policy unless you choose against it. However, it is required by law and you will need liability coverage to keep your car on the road. It includes personal injury claims and proper damage claims that happen due to your car. But, you may need a higher coverage limit than the typical vehicle insurance offers.
This is also required by law and it is a legal requirement for driving a car in England. The third party coverage provides claims against the damage to the third-party’s vehicle due to the collision with your car. For example, you damage someone else’s parked car in an accident; your insurer will cover the claims.
For a luxury car, the comprehensive coverage is the safest option. It covers everything from third-party damages, liability, legal fees to the repairs and replacement of your car’s parts. A luxury car is expensive to keep due to high maintenance costs. Your comprehensive coverage policy for prestige car can help you cope with high expenses in the unfortunate events. It also includes theft and fire claims.
Uninsured Motorist Coverage
A regular car owner may ignore this feature in insurance policy but it can extremely hard to manage for the luxury car owner. Since the repair costs are high, you should have high coverage limit for the damages done by uninsured drivers.
While you are comparing prestige car insurance quotes, you can go beyond these basic elements to check additional perks. You should go through the luxury car insurance quotes in-depth to find out whether these provide additional perks or not.
- Salvage Rights
- New Car Replacement
- On-road Assistance
- Multi-Vehicle Discounts
- Choice of Vehicle
- Selection of Repair Shop
- Original Equipment Manufacturer Repair