Expensive car insurance
Insuring an expensive car can also be done online. Due to the high value and increased susceptibility to theft, insurers do impose stricter requirements. Do you have an exclusive car such as Porsche, BMW or Audi? Compare insurers and calculate the premium for your car insurance.
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Also for expensive cars such as Porsches, BMWs and sports versions
Insuring your exclusive car online
It is not necessary to purchase exclusive car insurance from a specialized car insurance company. Regular insurers can also insure expensive cars these days.
Insuring an exclusive car is no problem at Alpina. You see your premium and any additional security requirements immediately.
What is an expensive car?
Insurers consider a car "expensive" when the official new price(list value) exceeds €70,000 to €80,000. This is not the current daily value, but the price at which the vehicle was delivered from the factory.
If a car's list value is above this limit, insurers usually impose stricter requirements for insuring the vehicle. For example, a proper security system is mandatory and additional conditions are often imposed to reduce the risk of damage or theft.
New models and sports versions
Not every model of a well-known brand is automatically an "expensive car" in the eyes of the insurer. Often it specifically involves new models with a high list value or sport versions with powerful engines and extensive options.
For example, consider an Audi A3 versus an Audi RS3: where the standard A3 is relatively easy to insure, the RS3 immediately falls into a higher risk class due to its performance, value and susceptibility to theft. The same goes for top-of-the-line BMW models (such as the M5), Mercedes-AMG, Porsche or Tesla Performance versions.
Expensive car brands
- Aston Martin
- Audi (especially RS models and the e-tron GT)
- Bentley
- BMW (especially M models and 7-/8-series)
- Ferrari
- Jaguar
- Lamborghini
- Land Rover (Range Rover models in particular).
- Lexus (top models such as the LS or LC)
- Maserati
- McLaren
- Mercedes-Benz (especially AMG models and S-/G-class)
- Porsche
- Rolls-Royce
- Tesla (especially Model S Plaid and Model X Performance)
- Volkswagen (Golf GTI, Golf R, Tiguan R or Touareg)
These brands usually fall directly under the heading of "expensive car" with insurers. Especially if they are electric cars, new models or special sports versions.
Choose from 3 coverages
All-risk coverage is often the best option. This covers damage to others as well as damage to your own vehicle. Even if you are responsible. Especially with new cars with high depreciation, this is important.
Insure your precious car extra well and choose from additional coverages such as legal assistance, roadside assistance, accessory coverage or replacement transportation.
Coverages
We look at your car, compare a wide range of auto insurance policies and help you choose the appropriate coverage.
WA (mandatory)
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
Limited casco
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
All Risk (WA+Casco)
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
Co-insure expensive accessories and upgrades
By default, accessories are often covered up to about €1,000. Have you done more expensive parts or a full upgrade?
Then you can easily co-insure this additional amount. A set of original or sporty rims often exceeds the standard amount. Choose the amount for which you want to insure your accessories. You can always adjust this amount later.
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Security requirements for expensive cars
Expensive cars are a popular target of criminals. Therefore, for insuring an expensive car, strict additional security requirements are the norm. These security systems reduce the likelihood of theft and increase the chances of a stolen car being recovered.
5 different classes of car alarms
There are 5 different classes for a car alarm:
- Car alarm class 1: immobilizer
- Car alarm class 2: alarm system
- Car alarm class 3: alarm system with inclination detection
- Car alarm class 4 and 5: vehicle tracking system
Insurers often require at least an SCM security class 3 alarm system. A car must have an alarm system with automatic blocking and ramp detection.
Even more expensive or exclusive cars may require Class 4 security. This means the car must have a vehicle tracking system that can track the car after theft. In some cases, even class 5 is required. Then the vehicle tracking system is activated automatically as soon as the alarm goes off.
In addition, insurers sometimes require that the car be stored in a locked garage to reduce the risk of theft. Storage in a garage is considered an additional security measure, especially for convertibles or other expensive cars.
Always check that your car meets the insurer's security requirements before buying insurance. Do you not meet a security requirement? Then you have to buy this system separately. Calculate your premium and you will immediately see which security system you need for the insurance.
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"Comparing car insurance almost always pays off. Premiums may have increased or your personal situation may have changed. That's why we recommend comparing your car insurance every year."
Laura - Expert auto insurance
Expert car insurance for years
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If you have a luxury car, it is smart to opt for the new-value scheme. If your car is declared totaled or stolen, the insurer will give you an amount of money that you can use to buy the same car again.
New cars depreciate quickly in value and otherwise you often only get the lower daily value back. The new-value settlement usually applies only if you are the first owner of the car and is limited to a period of 1 to 3 years after purchase. The terms of this scheme may vary from one insurer to another.
Acquisition Value Scheme
Are you not the first owner, or is the car older? Then you can often opt for a purchase value arrangement. This scheme works the same as the new-value scheme but for used cars.
With the purchase value policy, the insurer will refund you the purchase price if your car is declared totaled.
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Frequently asked questions about insuring an expensive car
Why is it difficult to insure an expensive car?
Insuring an expensive car can be tricky. An expensive car is more likely to be broken into or stolen than a cheaper car. The more expensive the car, the greater the risk to the insurer and the higher the potential claim amount. Many insurers are therefore extra reluctant to insure these cars.
However, there are often modified conditions or additional requirements. For example, there must be a good security system on the car.
At Alpina, you can easily insure your exclusive car online. Compare various insurers and calculate your premium directly.
Which insurer insures expensive cars?
Most regular car insurance companies also insure expensive cars. So exclusive car insurance with a specialized car insurance company is not always necessary. However, specific conditions often apply, such as the requirement to have an alarm system or additional security measures.
Should I buy exclusive car insurance?
No, you can get regular insurers for many expensive cars as well, as long as your vehicle falls under their underwriting limits and meets the security requirements. A more expensive car does often mean a higher premium than for a regular car.
According to insurers, what is an expensive car?
Most insurers usually use a limit of €70,000 to €80,000 in list value to label a car as "expensive. So this is not the daily value, but the original new price of the vehicle.
Brands such as Porsche, Tesla, BMW or Mercedes with their top models quickly fall into this category because the insured amount is higher than for a normal car.
At Alpina, it is no problem to insure exclusive cars. Calculate your premium immediately.
Should my expensive car always be all-risk insured?
This is certainly wise, especially with new or very expensive cars. After all, all-risk insurance also provides coverage for damage you cause yourself, for example, in the event of parking damage or a collision. With an expensive car, those costs can be substantial, so comprehensive coverage gives you financial security.
Looking for an affordable option with less comprehensive coverage? Then choose limited hull insurance.
What are the security requirements for expensive cars?
For higher-end cars, at least an SCM Class 3 alarm system is required. Exclusive models may require class 4 or even 5, where the vehicle is equipped with a tracking system that automatically activates in case of theft. Sometimes the insurer also sets requirements for storage, such as a locked garage.
Calculate your premium and you'll immediately see which security system you need.
What is the difference between new value and purchase value insurance?
The new-value scheme applies to new cars and ensures that in the event of total loss or theft, you will be reimbursed the amount that would allow you to buy the same car new. The purchase value arrangement applies to used cars: you will be refunded the amount you paid at the time.
Since new cars can quickly depreciate in value, this way you avoid paying a lot yourself.
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