Insuring a Ferrari
A You don’t just insure a Ferrari. Find out which coverage suits your model, driving style, and expectations.
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Also for the California, 458, and 250 GTO
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A Ferrari is known for its unparalleled speed, luxury, and iconic design. It is a symbol of Italian perfection on four wheels. Whether you drive a California, a Roma, or a 458, your car ranks among the very best, both technically and aesthetically.
Precisely because a Ferrari isn’t just any car, but an exclusive, high-value asset, standard auto insurance is often insufficient. You need insurance that takes into account the unique risks and exclusive components of your sports car. Only then can you enjoy the performance and prestige of your Ferrari with complete peace of mind.
The Right Insurance for Every Ferrari Model
Popular Models
- Ferrari 296 (GTB, GTS, Speciale, Speciale Aperta)
- Ferrari SF90 (Stradale, Spider)
- Ferrari Roma (Including Spider)
- Ferrari Purosangue
- Ferrari F8 Tributo
- Ferrari LaFerrari
- Ferrari Enzo
- Ferrari 812 Superfast / Competizione
- Ferrari Portofino
- Ferrari Monza SP1 & SP2
- Ferrari 488 GTB / Pista
- Ferrari California
Youngtimers and Classic Cars
- Ferrari 250 GTO
- Ferrari 250 GT Lusso
- Ferrari 275 GTB
- Ferrari 330 P4
- Ferrari 365 GTB/4 “Daytona”
- Ferrari Dino 246 GT
- Ferrari 512
- Ferrari Testarossa
- Ferrari 288
- Ferrari F40
- Ferrari F355
- Ferrari 456 GT
- Ferrari 550 Maranello
- Ferrari 575M Maranello
- Ferrari 360 Modena
- Ferrari Challenge Stradale
- Ferrari F50
- Ferrari 612 Scaglietti
- Ferrari 599 GTB Fiorano
You can also get insurance for older Ferrari models. Check out the options for classic car insurance.
Car Insurance Coverage
You can choose from 3 main coverage options:
Third-Party Liability (Mandatory)
- Damage to others
- Theft, joyriding, and missing persons
- Window damage
- Damage caused by fire or natural disasters
- Damage to one's own vehicle caused by a collision
Limited casco
- Damage to others
- Theft, joyriding, and missing persons
- Window damage
- Damage caused by fire or natural disasters
- Damage to one's own vehicle caused by a collision
All Risk (Liability + Comprehensive)
- Damage to others
- Theft, joyriding, and missing persons
- Window damage
- Damage caused by fire or natural disasters
- Damage to one's own vehicle caused by a collision
Cheapest Third-Party Liability, Third-Party Liability + Limited Comprehensive, and All-Risk Insurance in 2026
| Insurance Company | Coverage | Price per month | Own risk |
|---|---|---|---|
| Avéro Achmea | WA | €126,80 | N/A |
| a.s.r. | Third-Party Liability + Limited Comprehensive Coverage | €115,81 | €150 |
| a.s.r. | All Risk | €218,17 | €150 |
Additional Coverage for Ferrari Drivers
In addition to choosing the right coverage for your auto insurance, you can also compare and purchase various types of supplemental coverage.
Occupant accidents
Passenger accident insurance pays out fixed amounts in the event of the death or permanent disability of the driver and/or passengers.
Roadside Assistance Netherlands
Back on the road quickly! With on-site repair or replacement transportation.
Occupant damage
This insurance covers property damage sustained by the driver and passengers as a result of an accident.
Roadside assistance Europe
Back on the road quickly! With on-site repair or replacement transportation.
Legal Aid
Insured of legal help in traffic disputes. At home and abroad. With the vehicle insured on the policy.
Why Standard Auto Insurance Isn't Enough
Standard auto insurance is primarily intended for average cars and usually does not take into account the exceptional value and specific risks associated with a Ferrari. In the event of damage or theft, the payout can therefore be significantly lower than expected, because many insurers base their calculations on the current market value rather than the actual or appraised value of your sports car.
High repair costs and the need for genuine parts are also often not fully covered. In addition, there are extra considerations with a Ferrari, such as the higher risk of costly damage due to the car’s power and exclusivity. That’s why you need specialized insurance that takes into account the unique characteristics of your Ferrari.
Insure accessories and upgrades
A Ferrari often comes with exclusive accessories and upgrades that further enhance the car’s driving experience and performance. These include carbon-fiber interior trim, special wheels, high-end audio systems, and ceramic brake rotors. In addition, many owners opt for tuning or performance upgrades, such as modifications to the engine’s power output or the exhaust system.
With standard auto insurance, accessories are usually covered only to a limited extent, often up to an amount ranging from €1,000 to €2,500. For a Ferrari, that’s often not enough, since a single set of original rims can cost thousands of euros.
It is therefore wise to choose an insurance policy that covers accessories and upgrades at a higher value—or even based entirely on an appraisal. That way, you can be sure that your investments in luxury and performance are well protected.
Claim-free years: how they affect your premium
The more claim-free years you’ve accumulated, the lower your Ferrari insurance premium will be. If you don’t file a claim during an insurance year, you’ll accumulate one claim-free year. If you file a claim, however, you’ll lose claim-free years, which will affect your premium.
Replacement Value or Purchase Price: How Does Compensation Work?
In a claim for damages, the way in which compensation is calculated plays a major role. A standard auto insurance policy usually pays out the current market value: the value of the car at the time of the damage. However, for an exclusive sports car like a Ferrari, this is usually insufficient due to its high value.
Do you drive a new Ferrari? If so, the new-car-value coverage is recommended. With this coverage, you’ll receive the car’s full new-car value for up to 3 years in the event of a total loss or theft.
For a used vehicle, the purchase price coverage provides similar protection: in the event of a claim, the insurer will temporarily pay out the purchase price. Both types of coverage are optional, depending on the vehicle model and the policy terms.
Additional Safety Requirements for Luxury Sports Cars
Insurers often impose stricter security requirements for luxury and high-performance cars, such as Ferraris. This is because these cars are attractive targets for theft and have a high market value. Examples of such requirements include a Class 5 vehicle tracking system, SCM-certified alarm systems, or advanced immobilizers.
Sometimes, additional measures are also required, such as parking in a locked garage or using a wheel clamp when the vehicle is parked for an extended period. By meeting these requirements, you not only reduce the risk of theft, but you often also benefit from a lower insurance premium.
So it’s a good idea to check in advance what security requirements your insurer has for a Ferrari.
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Frequently Asked Questions About Insuring a Ferrari
What types of insurance are suitable for a Ferrari?
For a Ferrari, comprehensive insurance is usually chosen because of the car's high value. Additional coverages such as roadside assistance, legal assistance, and a reduced deductible option are also recommended.
Why is Ferrari insurance more expensive than standard auto insurance?
Ferrari insurance is more expensive because of the car's high market value, higher repair costs, and the increased risk of damage or theft. Insurers also take the car's sporty nature into account.
Are my accessories and options automatically covered under the policy?
Original factory options are usually covered as standard up to a certain amount. For more expensive or exclusive accessories, you can purchase additional coverage.
When is an alarm system or vehicle tracking system required?
For cars with a list price of approximately €75,000 or more, insurers often impose additional security requirements, depending on the model and region.
How can I save money on my Ferrari insurance?
You can save money by comparing multiple quotes, choosing a higher deductible, or insuring the Ferrari only as a second car. Storing the car in a secure garage can also lower your premium.
Is comprehensive insurance required for a Ferrari?
Comprehensive insurance is not required by law, but it is strongly recommended. Given the value of a Ferrari, third-party liability (WA) or third-party liability plus limited coverage (WA+) often does not provide sufficient coverage in the event of damage.
Can I get temporary insurance for a Ferrari?
Yes, some insurers offer temporary insurance policies, such as for transportation or an event. These are often more expensive per day, but convenient for short-term use.
Does the value of my Ferrari affect my premium?
Yes, the catalog value and current market value determine the amount of the premium. The higher the value, the more expensive the insurance.
What happens to my insurance in the event of damage or theft?
In the event of damage or theft, the insurer will reimburse you for the current market value or a pre-agreed appraised value. Make sure your Ferrari is properly appraised and that you understand all the terms and conditions regarding the deductible and depreciation rules.
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