Collection of Cars Insurance
Collection OF CARS INSURANCE
Preserving Rarity, Ensuring Legacy: Collection of Cars Insurance Mastery
Protecting a collection of classic cars isn’t as simple as copying one policy across the board. Some are driven regularly, while others are kept stored away. Whether arranging Jaguar E-Type insurance , Ford Mustang cover , or protection for a mixed collection, we tailor each policy to suit you.
At Arkwright Private Clients, our classic car collection insurance includes agreed value cover , laid-up protection , limited mileage , and multi-vehicle discounts — all without the mismatched terms that come with standard cover.
We understand the issues collectors face, like scattered renewal dates, inconsistent valuations, and a lack of flexibility when only some cars are road-ready. That’s why our cover ensures every vehicle in your garage gets the right protection.
Why You Need Collection of Cars Insurance
Many collectors assume they simply don’t need insurance, as their classics are kept safely under wraps indoors. However, they’re still vulnerable to risks like fire, theft, flood or accidental damage, and regular insurance is often not a good fit, leaving you paying over the odds for sub-standard cover.
Car collection insurance protects multiple vehicles under one policy and includes benefits like laid-up cover for cars off the road and agreed value cover to ensure your Aston Martin DB5 insurance or Triumph TR6 cover reflects each car’s true worth.
Managing individual policies can be complicated and costly, but a tailored multi-vehicle plan simplifies this and often provides discounts, designed around how you store and use your collection.
Types of Car Collection Insurance
Even within the niche world of car collectors, the needs of one customer aren’t necessarily going to suit another. Even within a collection, you’ll have cars that need different types of protection, and our car collection insurance delivers.
Laid-up cover
If some of the cars in your collection are off the road for months, such as during winter or while you’re restoring them, laid-up cover protects them against fire, theft, vandalism, and accidental damage, even when not driven.
Limited mileage policies
Many collectors only drive their cars occasionally, such as on weekends or to take them to shows. These policies offer mileage limits that reflect actual use, helping keep your premiums fair and coverage appropriate.
Agreed value insurance
Agreed value cover locks in a fixed payout for each vehicle in your collection, based on an upfront valuation. This ensures you receive a fair settlement if a car is written off or stolen, meaning no nasty surprises.
Multi-vehicle policies
Covering your entire collection under one policy simplifies renewals and can reduce your premiums significantly. These policies account for varied storage differences and driving habits across your collection.
No matter how many cars you own or how you use them, our car collection insurance is designed to protect each vehicle according to its specific needs, giving you peace of mind and real-world cover you can trust.
What You Should Know About Collection of Cars Insurance
Owning a collection of classic cars comes with unique challenges when it comes to insurance. Knowing how insurers assess your collection can help you avoid costly surprises and ensure your prized vehicles are properly protected.
- Storage Location Matters – Whether your cars are garaged, kept in a secure facility, or parked outside, it affects your premiums and cover options. E.g. garaged vehicles usually qualify for better rates.
- Usage Patterns Vary – Some collectors drive their cars regularly, while others only take them out for shows or special occasions. Insurers need accurate mileage details to ensure you get the right policy.
- Agreed Value Is Essential – Without agreed value cover, your payout might be based on a fluctuating market price, which could fall short of your car’s true worth, especially when dealing with rare or restored classics.
- Modifications Must Be Declared – Even period-correct or safety-improving upgrades can affect your policy, and if you don’t declare them, it could cause problems with future claims.
- Laid-Up Cover Protects Cars Off the Road – If your classics aren’t driven year-round, this cover safeguards them against theft, fire, and accidental damage during storage.
- Multi-Vehicle Policies Simplify Management – Covering your whole collection under one plan can reduce premiums and make renewals easier.
Being fully aware of these key points means you won’t be caught off guard. With the right car collection insurance in place, you can focus on enjoying and driving them, confident that your investment is protected no matter what.
Why Choose Us for Collection of Cars Insurance?
Insuring a collection of classic cars demands a deeper level of expertise. At Arkwright Private Clients, we understand the distinct needs of collectors, and our approach is precise, personal, and built around facts, not assumptions.
Key features include:
- Tailored cover for each vehicle that accounts for every need, whether that’s individual use, condition, or storage
- Agreed value insurance that guarantees you get accurate payouts in the event of loss or total damage
- Laid-up protection that protects your collection during off-road periods, restoration work, or seasonal storage
- Mileage limits that match actual usage, with flexible options where needed
- Multi-vehicle discounts and streamlined renewals to reduce admin and overall costs
- Specialist repair access, including marque-specific experts for high-value or rare models
Our brokers have the expertise and experience to arrange high-value collection cover that offers what standard insurance can’t. Every aspect of your cover is built around protecting the cars you’ve invested in, with the service to match.
Arkwright Private Clients Collection of Cars Insurance
Our team of experts can help you with your Cars Collection Insurance
Our fully comprehensive car collection insurance policies are underwritten by the UK’s leading insurance providers. One policy encompassing all your vehicles with one renewal date. Flexibility to remove vehicles or add vehicles to the policy on a pro-rata basis, bringing them all in line with the same renewal date.
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Multi Car Insurance Quote & Cover
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Mixture of Supercar, Hyper Car, Classic Car Collection Insurance
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FAQ
What is insurance for supercars?
Insurance for supercars is a specialised insurance policy designed to cover high-value, high-performance vehicles. It offers tailored protection for risks such as theft, collision, and damage, often with agreed value coverage and exclusive benefits for exotic and luxury car owners.
Why is supercar insurance more expensive than regular car insurance?
Supercar insurance typically costs more because of the vehicle’s high market value, expensive repair costs, and greater risk factors like speed capability and desirability among thieves. specialised policies reflect these factors, ensuring comprehensive protection.
What types of coverage are included in supercar insurance policies?
Common coverage options for insurance for supercars include:
- Agreed Value Coverage
- Comprehensive Damage Protection
- Theft and Vandalism Coverage
- Roadside Assistance for Exotic Cars
- Track Day Coverage (Optional)
Who needs insurance for supercars?
Anyone who owns or leases a high-performance, luxury, or exotic vehicle — such as a Ferrari, Lamborghini, McLaren, or Aston Martin — should invest in specialised insurance for supercars to protect their investment and meet legal requirements.
Can I insure a supercar for everyday use?
Yes, but most insurance providers consider factors like annual mileage, storage, and driving habits. Policies for supercars used as daily drivers might differ in premium and coverage terms compared to those for occasional or collectible use.
How is the value of a supercar determined for insurance purposes?
Insurance for supercars typically uses Agreed Value Coverage, where the insurer and the owner agree on the car’s insured value upfront. This ensures that in the event of a total loss, the agreed amount is paid without depreciation concerns.
Are modifications covered under supercar insurance?
Many insurance for supercars policies can cover modifications, but it’s crucial to declare all upgrades and customisations when arranging the policy. Coverage for modifications may affect premiums and coverage limits.