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Prestige car insurance is designed to deliver additional benefits that go above and beyond what’s available with comprehensive car insurance. There is no set definition of a prestige car, but almost everyone knows one when they see it.
Prestige and luxury car insurance is for collectors, enthusiasts, businesses with high-end cars on the books and anyone else who wants a higher level of car insurance to effectively protect a valuable asset.
If your car turns heads, this type of cover might be just for you.
Prestige car insurance takes over where mainstream car insurance leaves off. Typically, you can get it through specialised insurers that focus on extra-valuable cars including vintage vehicles, modified cars and other cars that go beyond the standard categories of SUV, sedan or similar.
If your car is valuable because it’s new, luxurious or manufactured to world class standards, a prestige policy may be suitable for you.
Prestige car insurance policies are typically designed to cover new high-end cars rather than vintage vehicles. If your luxury car is more than 25 years old, it will typically count as a classic vehicle and may be more suitably covered by a vintage car insurance policy.
Compare the special benefits offered by some providers below and look for the one that can help you get the most out of your car.
Insurer | Policy | Policy features |
---|---|---|
Shannons | Comprehensive car insurance |
|
Lumley | Comprehensive car insurance |
|
RAA | Hard To Place car insurance |
|
RACQ | Enthusiast Car Insurance |
|
Ryno | Prestige car insurance |
|
MB Insurance | Prestige motor insurance |
|
Enthusiast | Regular, limited, recreational or concession use a comprehensive policy |
|
Here are just some insurers that offer cover for your prestige car. Ensure you compare them with others in the market to find the right policy for you.
Car insurance is well suited to collectors and enthusiasts who want a combination of value for money and effective protection, with options for discounts. Membership, as well as a genuine passion for cars, is required to take out a policy.
Is focused on insuring older cars, but also has cover options for newer prestige and luxury vehicles. Lumley is a suitable choice for people who want comprehensive damage cover with options, especially for older vehicles.
Is an American import and high-performance vehicle specialist, with flexible cover options and customisable policies. It’s well suited to those who want to create their own type of insurance policy for a high-performance car.
Is focused on delivering everyday cover for modified or imported cars. People who drive a prestige car regularly or simply want exceptional comprehensive car insurance for a valuable ride might find a policy to suit with RAA.
Provides a range of additional benefits for members oriented around discounts and rewards. With cover for a wide variety of different prestige cars and useful core policy benefits, many different people can earn rewards with RACQ.
Has a range of options so that you get more value for money. It includes maritime liability cover for when your vehicle is being transported, finance gap cover if the payout for a total loss is less than the agreed value and cover for the cost of vehicle delivery following repairs. Enthusiasts who focus on importing and transporting cars may benefit from MB Insurance.
Offers policies based on typical vehicle use, giving prudent drivers a way to save on prestige car insurance while also getting a tailored policy with specialised additional benefits.
Generally, all prestige car insurance policies are a type of comprehensive car insurance. This means they include cover for a range of different types of damage, as well as additional benefits like roadside assistance, emergency accommodation and transport and cover for towing costs.
Prestige car insurance policies are different because they come with specific features that are tailored to particularly valuable, high-performance and special cars. You can customise a standard comprehensive car insurance policy to closely resemble a prestige policy, but you may not be able to get all the benefits you want and it may not offer the same value for money.
Some of the specific features that make prestige car insurance different include:
If you can’t find a prestige car insurer that’s able to accommodate you, it’s worth considering the mainstream insurers, many of whom are able to provide additional options for valued customers. Get quotes from a range of providers, compare policies in line with your needs and find the prestige car insurance that’s right for you.
* The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.
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