Settlement basis
We check whether agreed value is available, when it can be adjusted and how a total loss is settled.
SELECTED PERSONAL INSURANCE
Private & prestige motor insurance
A specialist vehicle deserves more than a quick premium comparison. We help existing clients and selected referrals review cover for private, prestige, performance and classic vehicles.
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WHO IT MAY SUIT
Owners who want the policy terms to reflect the vehicle, its use and their expectations after a claim.
The available market depends on the vehicle, drivers, use, annual distance, security, modifications and claims history. Some vehicles are best suited to a specialist motor insurer.
WHAT WE REVIEW
- 01Agreed value or market value
- 02Regular and occasional drivers
- 03Private, commuting and business use
- 04Modifications and accessories
- 05Garaging, security and annual distance
- 06Repairer, parts and salvage provisions
PRACTICAL COVER REVIEW
The value on the schedule is only one part of the cover.
Repair methods, replacement parts, excesses and settlement conditions can materially affect the outcome. We compare the practical policy features as well as the price.
Repair expectations
Choice of repairer, genuine parts, new vehicle replacement and salvage rights vary between insurers.
Use and drivers
Limited use, business use, younger drivers, modifications and track activity must be accurately disclosed.
WHY THE DETAILS MATTER
Special vehicles can need specialist terms.
Match the policy to the vehicle
A daily-driven family SUV, weekend performance car and appreciating classic present different exposures. We consider the vehicle type, kilometres, storage, finance and how it is actually used.
Confirm modifications and accessories
Performance upgrades, suspension changes, wheels, audio equipment and other accessories should be declared. An insurer may request photographs, valuations or engineering information before offering terms.
Compare claims features
A lower premium can hide a higher excess, restricted repairer choice or a different basis for parts and total-loss settlement. We explain the quoted differences so the decision is informed.
Keep the details current
Tell us when drivers, garaging, use or modifications change. Keeping the policy information accurate reduces uncertainty if a claim occurs.
Cover is subject to insurer acceptance, the policy schedule, applicable policy wording or Product Disclosure Statement, limits, conditions and exclusions. This information is general and does not take into account your objectives, financial situation or needs.
COMMON QUESTIONS
Questions about private & prestige motor insurance.
These answers are general. The quotation, schedule and policy wording determine the cover offered.
Can a prestige vehicle be insured for an agreed value?
Some insurers offer agreed value, subject to their valuation approach and acceptance. The amount and any conditions should be confirmed on the policy schedule.
Can modifications be covered?
Possibly. The modifications must be disclosed and accepted. Photographs, receipts, engineering certificates or a valuation may be required.
Is choice of repairer automatic?
No. Repairer choice differs between products and may be subject to conditions. We check the wording and quotation rather than assuming it applies.
Do you arrange ordinary private car insurance?
Primarily for existing commercial clients and selected referrals where we have a suitable insurer market. Commercial insurance remains our main focus.
CONNECTED COVER
Look beyond one policy.
We consider how this cover interacts with the rest of your insurance program.
A CONSIDERED REVIEW
Review the cover behind the car.
Have the registration, vehicle value, driver details, usage and claims history ready. We can confirm whether we have a suitable market.
Request a confidential review →