High performance car Insurance for UK drivers; Performance Direct is one of the UK’s leading sports car and high performance car insurance specialists. Unlike many general car insurance companies who won’t handle high performance car insurance, our extensive choice of over one hundred schemes, cheap online quotes and expert team, combine to provide a unique service.
Our business was founded on providing competitive cover for sports, performance and modified cars and we can often help when other companies can’t.
Whatever performance or sports car you drive, from Aston Martin to Ferrari, from BMW to Porsche, Performance Direct will find you the policy to match. Call us or click for an online quote.
We provide car insurance for High Performance Cars in the UK only.
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High performance car insurance specialist, Performance Direct provide money saving insurance schemes for everything from BMW M3 to Lamborghini, Mercedes AMG C63, Volkswagen Golf GTI to Porsche 911 GT3, Audi, McLaren, Ferrari 488 GTB, TVR and Bugatti, Honda Civic Type R and more.
Why choose us?
This summary is designed to help you as a guide only. For full details of the Policy Cover, Terms and Conditions then please refer to the Insurer’s Policy Wording.
Driving abroad doesn’t have to come at a price with our Foreign use cover, speak to a member of staff to find out more about the different covers we offer.
Subject to underwriting criteria, many of our comprehensive policies include windscreen cover. If it is not automatically included, we offer windscreen cover for a small, additional cost.
UK Call Centre
Our call centre is staffed by knowledgeable operators who are highly trained to assist you with your insurance.
Open 7 days a week
Access to our policies is available 7 days a week, including bank holidays.
Wide policy coverage
We have a great relationship with many insurers, allowing us access to hundreds of insurance schemes. This lets us source the most appropriate policy to suit your needs, at the best available price.
We have various insurance schemes and offers available to our customers and always strive to find the most competitively priced policy. We search the insurance market every time you request a quote, allowing us to find an insurance policy that is relevant and value for money.
What does it mean to have a high-performance car? The speed, parts and model of the car will determine if you need coverage beyond your basic insurance. If your car has any of the following features, you’ll need to find additional coverage:
A reprogrammed or chipped engine control unit (ECU).
Wheel modifications that affect performance, such as custom sizes.
Upgraded or sports car exhaust.
Lowered, raised or otherwise modified suspension.
Nonstandard brake pads or other brake modifications.
Nonstandard supercharged engines, nitro or hydrogen fuel equipped engines or any other engine modifications.
Racing harnesses, roll bars or roll cages.
Modifications to the transmission.
Custom fuel systems.
Adjustments to the steering.
Many purely cosmetic or luxury modifications can be covered by a range of insurers, but you might need to find a specialist high-performance vehicle insurer to cover performance-enhancing modifications, or anything that affects your car’s handling. Naturally, modifications must be legal in order to get them insured and included in the car’s value.
What high-performance insurance covers
High-performance coverage provides a range of benefits that you’re often unable to find with standard policies.
Car value. High-performance vehicles generally don’t lose value to depreciation like standard cars. Agreed value is available as an option with many policies, but it tends to be the default for high-performance driving-enthusiast policies.
Salvage rights. If you total your vehicle, you can claim the salvage instead of letting the insurer take it and sell it as scrap as tends to happen with standard policies.
Your choice of mechanic. You don’t have to hand your car off to the insurer’s mechanic, who might not have the skills to make the necessary repairs. You can choose your own mechanic and make sure the repairs are done right.
Extra replacement benefits. Standard policies may not have the replacement benefits that you need. The length of time coverage is offered such as up to one or two years is typical in a standard policy. Performance car insurance policies can offer replacement terms of three or four years, including cover for on-road costs for the year following replacement or other benefits specific to your performance insurance providers.
Modifications cover. Anytime you make improvements or modifications to your car, they can be recognized as part of the car’s value. Some standard insurers might refuse to cover performance-affecting modifications, but insurers for high-performance vehicles often will.
What is agreed value?
Agreed value is how much you and your insurer agree the car is worth. This number is locked in at the time of purchase, and can only be changed at certain times. This is especially useful for heavily high- performance, modified or classic cars, but generally costs more.
How to find the right high-performance cover
Your two main cover options are standard car insurance providers or specialists. The more cost-effective option will often depend on the model and driving ability of your car, coupled with how often you drive it.
Standard insurers. Many providers have policies for special vehicles, such as imports, classics or modified cars, as well as standard liability policies that might be enough for you. You might consider standard insurers for the following reasons:
You have no performance-enhancing modifications on your car, only cosmetic or comfort ones.
You don’t drive on race tracks, in competitions or in other events.
You use the car for everyday use and can’t benefit from features like “laid-up discounts” and other collector-focused benefits.
Your car is not a grey import.
Specialist insurers. These providers focus on high-performance cars that do more than simply get you to work. This coverage can allow you to race on tracks and will cover you for modifications done to your car. You might consider a specialist insurer for the following reasons:
You intent to drive your car on a race track or drag way.
Your car is unique or has been modified for speed.
You want the security of high-performance cover to match your car.
Tips for for insuring for your high-performance car
Document. In the case of a claim, you want to be able to prove the value of your car through pictures or receipts of parts and labor for modifications. This will come in handy if you have to challenge a claim made by your insurance.
Discounts. Look for discounts offered by insurance companies such as laid-up coverage, low milage and pay-as-you-go options. Some insurance companies offer discounts for insuring more than one car through them and bonuses for not making an claims.
Safety features. Insurance companies are looking for the least amount of risk when determining coverage. By adding features such as car alarms, detection devices as well as restricting the age and number of drivers of your car, you can lower your risk.