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Performance cars come with hefty price tags and premiums to match, but you can cut the cost of cover by comparing high performance car insurance at

Why compare performance car insurance?

There’s no getting away from the fact that high performance car insurance is expensive, but that doesn’t mean you should pay over the odds for it.

Comparing quotes at, gives you the chance to see a range of quotes from different insurers so you can find a great deal that fits your needs and your budget.

Call us on 0330 022 5970 for a quote over the phone

Performance car insurance advice and FAQs

What is performance car insurance?

As the name suggests, performance car insurance covers vehicles that are designed to prioritise performance. Typically, this means cars are super-fast, extremely powerful, and expensive.

If you’ve got an unusual performance car, for example if it’s been modified or if it’s an import, your choice of policies from mainstream insurers may be limited and you might need to consider a specialist provider instead.

Do I need high performance car insurance?

If you’ve got a top-of-the-range supercar then you could benefit from high performance car insurance. These policies take into account the value of the car, its increased speed capability, higher spec level, cost of parts and labour.

Bear in mind that high performance cars don’t just include Ferraris and Porsches. Top spec 4x4s like the Range Rover can also be classed as a performance car, as can the Honda Civic Type R.

How much does high performance car insurance cost?

Performance car insurance typically costs more compared to policies for other cars. The main reasons for this include:

  • Speed – performance cars are capable of reaching high speeds quickly, this increased power and ability can increase the chances of an accident.
  • Desirability – performance cars turn heads and are at greater risk of theft or vandalism.
  • Cost of repairs – parts can cost more and may need to be shipped; they might also need to be fitted by a specialist engineer.

To calculate your premium, insurers will also consider your own circumstances, for example:

  • Your age – young drivers pay significantly more compared to other age groups because under 25s are statistically more likely to be involved in an accident.
  • Where you live – living in a busy town or city or somewhere with a high crime rate can increase what you pay.
  • Your driving record – driving convictions are likely to result in higher premiums.
  • Your claims history – a recent claim (usually in the last five years) can mean you end up paying more.

Using all this information, insurers work out what the chances of a claim being made are. The greater that chance, the higher you can expect your premium to be.

What does performance car insurance cover?

Performance car insurance offers the same protection as standard car insurance cover, so you’ll be able to choose between third-party only; third-party, fire and theft; and comprehensive policies.

On top of the level of cover, you’ll also be able to choose from a range of optional extras to enhance your policy, for example:

  • Legal expenses – covers legal advice and compensation if you need to go to court.
  • Overseas use – covers you to drive abroad.
  • Competition use – allows you to drive your car at race and track days.
  • Malicious damage – compensates you for any intentional damage done to your car.

How can I get cheap performance car insurance?

Although performance car insurance costs more, there are ways to keep premiums down without compromising on cover – here are some ideas:

  • Pay for your policy upfront – paying in monthly instalments can increase the overall cost as interest will be added.
  • Increase security – keep your car as secure as you can, if you don’t have a garage or private driveway, it could be worth investing in an approved safety device or immobiliser.
  • Limit mileage – driving fewer miles means there’s less chance of being involved in an accident which can help lower premiums.
  • Increase your voluntary excess – this can reduce your overall premium but it should still be affordable because you’ll need to pay it for a claim to proceed.
  • Join a club – some insurers offer discounts if you’re a member of an official car club.
  • Check if it’s a classic – classic cars usually attract cheaper premiums.

How can I compare performance car insurance?

At, you can quickly and easily compare quotes from the comfort of your own home. Simply fill in our online form or speak to a friendly and expert member of the team on 0330 022 8814. Car Insurance Reviews

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