Sports Car Insurance for Young Drivers
Are you a young driver with a fast car? We're specialists in both, so enquiries for sports, high performance or even super cars aren't a problem, even if you're under 25. We can secure good rates for you.
We specialise in Fast Car Insurance
We're the recognised insurance industry experts for higher risk drivers; we'll search our panel of insurance providers for the best rates, so whether you’re driving Dad’s old jalopy or a Porsche 911 Carrera, we have the experience to find you a policy that's right for you.
What’s more, our systems can crunch the numbers faster than you could hope to, so save yourself hours trawling the internet and save yourself some money, too.
A few 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. Contact us with details of your make and model for a quote.
Jaguar F Type Coupe
Audi A3 Cabriolet
Audi A4 Convertible
BMW 4 Series Convertible
Porsche 911 Cabriolet
Volkswagen Golf Cabriolet
Audi TT Roadster
Alpha Romeo Spider
Audi R8 V10 Spyder
Audi RS 3
Mini Cooper S
Ford Fiesta ST
Renault Clio RS
Seat Leon Cupra & FR
Renault Megane RS
Honda Civic Type R
Why is sports car insurance so expensive?
It should come as no surprise that insuring a high-performance car isn’t as cheap as your average car. Here are the three main reasons why:
- 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, this type of vehicle is likely to be modified and/or imported. These two factors can both increase the cost of insurance as it will almost certainly increase the cost of repairs in the event of a claim.
How to make it more affordable
But it's not all bad news. In fact, 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 PassPlus 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
- Adding an older or more experienced named driver. As the insurer assumes the less risky additional driver is using the vehicle some of time, this may reduce the overall level of risk in the insurer’s eyes. 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.
If your vehicle has been customised with aftermarket modifications, this will likely 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.