Why High-Value Vehicles Need Specialised Insurance
Owning a high-value car is something to take pride in — whether it’s a luxury model, performance vehicle, or cherished classic. But when it comes to insurance, these vehicles need more than a standard policy.
Because of their higher market value, unique parts, and specialist repair requirements, high-value vehicles can be difficult to insure properly. That’s why it’s essential to have cover designed specifically for them.
The Challenge with High-Value Car Insurance
Many standard car insurance policies are built for everyday vehicles. High-end or collectible cars, however, present unique challenges:
Higher repair costs – premium materials and specialist garages increase expenses
Fluctuating market values – luxury or classic vehicles can appreciate over time
Limited parts availability – some models require rare or imported components
Increased theft risk – valuable vehicles attract more attention from thieves
Without the right protection in place, you could end up seriously out of pocket if something happens.
Why You Need Specialised Cover
High-value vehicle insurance offers tailored protection that standard policies can’t match. The key benefits often include:
Agreed value cover – ensures you’re paid a pre-agreed amount in the event of a total loss, rather than market value
High-end claims service – access to specialist repairers and dedicated claims teams
Flexible usage terms – policies that match how you actually use your car
Optional extras – such as cover for track days, classic restoration, or overseas driving
This type of protection gives you peace of mind knowing your prized asset is fully covered.
How Power Insurances Can Help
At Power Insurances, we understand that not all cars are created equal — and neither are insurance policies.
With over 25 years of experience, our team specialises in sourcing cover for high-value, prestige, and performance vehicles. We work with leading insurers who offer comprehensive policies tailored to your needs, ensuring:
Your vehicle is insured for its true value
Claims are handled quickly and professionally
You receive the personal attention your investment deserves
Protect What You’ve Worked Hard For
If you own a high-value or specialist vehicle, make sure it’s properly protected before it’s too late.
Review your current policy
Speak with our team about agreed value cover
Get tailored advice from experts who understand your vehicle’s worth
Your car deserves more than standard cover — it deserves expertise.
Contact us today to ensure your high-value vehicle is correctly insured and cared for.
