Performance car insurance

Keeping down the cost of your high performance car

As you may already know, just buying your dream car can be costly. But don't worry, we've some useful information that could help to reduce your car insurance premium.


Check the specification

Acceleration and top speed are both considered when Thatcham Research does tests for the recommendation of car insurance groups. Statistics show that high performance cars can have more frequent insurance claims, therefore a vehicle that's built for speed is likely to be in a high car insurance group.

Yet you could find a similar model in a lower group, attracting a lower premium when you get a quote.

Also the cost of repairs is taken into account for each insurance group, so it's worth doing some research before buying. If parts are expensive or repairs are time-consuming, it may be worth considering a different car.

Reduce the mileage

We know it's hard, but try to resist driving your pride and joy all the time. By reducing the annual mileage you could get a lower insurance premium.

Car security

High performance cars can attract unwanted attention so keep your vehicle secure on the driveway, or better still in a locked garage at night.

Also, improving the vehicle's security can help to reduce the cost of your insurance. The provider can advise which approved anti-theft devices to fit – tracking devices and immobilisers are likely to attract discounts. A tracking device is a good investment if you consider your car to be irreplaceable.

Driving safely

Performance cars are built for speed, but remember you still need to drive carefully and within the speed limit. A motoring conviction is likely to increase your insurance premium.

Car insurance for £250 or less

That's what 10% of our new customers pay*

* Survey of new business sales from, November 2023 to January 2024. Prices based on comprehensive cover only.