Insurance
Agreed Value or Market Value: The Clause That Decides a Total Loss
Two policies can cost the same, cover the same car and produce settlements tens of thousands apart. The clause responsible is not in the...
Section 03
Insurance
How a supercar is rated, what the wording excludes, and the clauses that decide a claim.
Insurance
When a Collection Policy Beats Insuring Each Car
The saving on a collection policy is not a loyalty discount. It comes from a fact about the risk: if there are more cars than drivers, most...
Insurance
What a Locked Garage and a Tracker Take Off the Premium
Owners ask how much a garage and a tracker take off the premium. On high value cars the question is usually the wrong way round: security...
Insurance
Laid Up Cover for the Months the Car Does Not Move
A car that does not move still costs money, and part of that cost is avoidable. Laid up cover is a specialist fire, theft and malicious...
Insurance
Mileage Limited Policies, and What Happens If You Exceed
Mileage is one of the few levers on a supercar premium that an owner genuinely controls. It is also the one most often treated as an...
Insurance
The Modifications That Quietly Void a Policy
The definition is wider than owners assume. One major insurer describes a modification as anything not originally in the vehicle when it...
Insurance
What Insuring a Supercar Costs, and What Moves the Number
Two figures circulate for the same question and they do not agree. Specialist brokers quote agreed value cover at roughly 1 to 1.5 per cent...
Insurance
What Happens When a Supercar Is Written Off
A total loss is an economic decision rather than a mechanical one. The insurer compares the cost of repair against the settlement it would...
Insurance
Why a Standard Policy Stops at the Circuit Gate
The exclusion is not a pricing decision and it cannot be bought off with a higher road premium. Standard motor policies carry a racing...
Insurance
Insuring a Supercar Under Twenty Five
Of every factor an insurer prices on this class of car, the driver's age moves the number furthest. A broker publishing in July 2026 puts...