Compare Sports Car Insurance

What Counts as a Sports Car?

A sports car is usually a vehicle built with performance, handling, acceleration, or driver enjoyment in mind. Some insurers may also treat prestige, high-value, performance-trim, or luxury cars as specialist vehicles.

Why Sports Cars Can Cost More to Insure

• Performance — Faster acceleration and higher power can increase risk in an insurer's pricing model.
• Repair costs — Specialist parts, aluminium panels, carbon fibre, and advanced electronics can be expensive.
• Vehicle value — Higher-value cars can cost more to replace after theft or total loss.
• Theft risk — Some performance cars attract higher theft or keyless-entry risk.
• Driver profile — Age, experience, claims history, convictions, and postcode can all have a large impact.

What to Check When Comparing Policies

• Modifications — Engine tuning, exhausts, suspension, wheels, wraps, and body kits should be declared.
• Security requirements — Some insurers may ask for a tracker, immobiliser, garage, or driveway parking.
• Mileage limits — Lower mileage can sometimes suit weekend or second-car use.
• Replacement vehicle — Check what courtesy car or replacement vehicle is provided after a claim.
• Excess — Sports car policies can include higher compulsory excesses, especially for younger drivers.

Tips for Getting a Better Sports Car Quote

• Compare before renewal rather than accepting the first renewal price.
• Be precise about trim, engine, factory options, and modifications.
• Use accurate annual mileage if the car is not your daily driver.
• Consider whether specialist or prestige car insurance is more suitable than a standard policy.