Prestige car insurance in the UK is a specialised type of car insurance designed for high-value vehicles, offering comprehensive coverage beyond standard policies. It’s tailored for luxury cars, high-performance vehicles, and vehicles with unique features that might not be covered by traditional insurance.
This means the policyholder agrees with the insurer on the car’s value, ensuring the policyholder receives this agreed amount in the event of a total loss, rather than market value, which can fluctuate.
Policies can be tailored to specific needs, including features like “any driver” cover, driving other cars, and European breakdown cover.
It offers extended coverage for the high value of the vehicle, protecting against damage from accidents, theft, vandalism, and natural disasters.
Many providers offer dedicated claims teams and 24/7 support to expedite the claims process.
Often includes a courtesy car that’s similar to the insured’s own, ensuring they can continue driving while repairs are being made.
Allows the policyholder to choose where their car is repaired, ensuring it’s done by a reputable and skilled technician.
Some policies offer a “no blame bonus,” meaning the policyholder doesn’t lose their no claims bonus if they make a non-fault claim.
Many policies also include benefits like personal plate cover, legal expenses cover, and personal possessions cover.
Knowing that your high-value vehicle is protected with comprehensive and specialised coverage provides peace of mind.
Prestige insurance allows you to customise your coverage to fit your specific needs and driving habits.
Dedicated claims teams and 24/7 support ensure a smooth and efficient claims process.
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