Sports Car Insurance for Young Drivers

Plenty of young drivers are prepared to pay that little bit extra for a car that makes them feel good, so if you're under 25, you might appreciate a little extra help finding a good deal on insurance for a sports car or high performance car.  

We're specialist insurance brokers for young drivers, with exclusive access to some great policies at competitive prices.  Quotes for sports cars, high performance cars or any car in a high insurance group aren't a problem.

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High insurance group specialists

Some cars are classified in a high insurance group because of their value, or because they're expensive to repair after a claim, rather than being an out-and-out sports or high performance vehicle. 

4 Young Drivers can help you find competitive cover for any vehicle in a high insurance group.

Examples of high performance cars we can insure

We can insure most high performance, sports and super-cars. Here's just a small selection of coupes, convertibles and hot hatches we can insure.

Why are high performance vehicles expensive to insure?

It will come as no surprise that insuring a high-performance or high insurance group car isn’t as cheap as your average vehicle. Here are the three main reasons why:

• It's statistically more likely to be involved in an accident. This is amplified when a young driver is behind the wheel and so the premiums will reflect it. For this reason, some insurers won’t cover under 21s for this type of vehicle.
• Replacement parts and repairs are more expensive than a standard car, especially if it’s an imported sports car.
• Attracts the wrong kind of attention and has a greater chance of being targeted by thieves and vandals.

Additionally, some types of high performance cars are modified and/or imported. This can increase the cost of insurance as it will almost certainly increase the cost of repairs in the event of a claim.

How to make sports car insurance more affordable

There are several things you can do that may help to reduce the cost of your premium:

• Have a telematics (black box) device fitted to your vehicle
• If you are a new driver, consider taking part in the Pass Plus scheme
• Store your car in a garage overnight to keep it out of sight of potential thieves and vandals
• Improve your car's security by fitting approved immobiliser and alarm
• If you only use it on weekends or during the summer think about limiting your mileage
• Increase your voluntary excess (but keep it realistic)
• Join an owner’s club as some insurers give a discount if you are a member
• Add an older or more experienced named driver. Insurers will assume the less risky additional driver is using the vehicle some of time, so this may reduce the overall level of risk. However, don’t add them as the main driver if they aren’t as this is a form of fraud known as fronting.

Building up a no claims bonus (NCB) can be a great way to reduce your insurance premiums. Doing this would be especially beneficial to young drivers who are likely to have higher costs to begin with.

Modifications

If your vehicle has been customised with aftermarket modifications, this may increase the cost of your premium.

It probably won’t surprise you that the largest increase usually comes from performance enhancing mods such as turbo-charged engines, suspension changes and bigger exhausts. What you may not know is that even cosmetic alterations such as spoilers, body kits and decals can result in higher premiums.

Make sure you inform your insurer of all alterations from the manufacturer’s standard model otherwise your insurance could be invalid and therefore leave you uninsured.