High performance car insurance

If you own a prestige, high value car, or collection of cars, having a specialist high performance car insurance policy will provide you with additional features and benefits which aren’t included within standard motor insurance policies. You will have benefit from highly experienced insurance underwriters prepared to offer greater flexibility when offering cover, reviewing each policy on its own individual basis rather than a one size fits all approach.

Specialist high performance car insurance policy

A standard, off the shelf insurance policy will usually require a car to be repaired in one of the insurer’s own network of approved garages, which may result in parts being used which aren’t in keeping with the car’s stature.

Likewise, a courtesy car will usually only be provided if you use the insurer’s own approved garage and will be limited to a small hatchback, as opposed to similar replacement. The option of a courtesy car is usually only available if the car is repairable; if the car is deemed to be beyond economic repair, the courtesy car will need to be returned.

Our specialist high value car insurance policies include a number of features and benefits, detailed below, such as guaranteed like for like courtesy car in the event of loss of damage, regardless of whether your own car is repairable or not.

Our insurers will underwrite each policy individually and consider factors such as whether there are other cars within the household which are used more frequently, thus reducing the “risk” to the insurer. They will also consider additional security features that might exist, where the car is kept, and the experience, supervision and driving habits of younger drivers who are often subject to extortionate premiums

Some of the features and benefits our high-performance car insurance insurers provide include:

Agreed value cover
In the event of fire or theft, or if your car is deemed beyond economic repair following an accident, the insurer will pay the agreed value – the sum insured – as agreed between you and the insurer at the start of the policy.

This is in contrast to most standard insurers who will only offer their opinion of the market value at the time of loss or damage, regardless of the car’s insured value.

Guaranteed replacement cover
If your new vehicle increases in value during the policy, the insurer will pay for the cost of replacing your vehicle even if the cost exceeds the value shown on your policy schedule.
Any driver cover
Fully comprehensive cover for other drivers (not residing with you) to drive your car with your permission.
Comprehensive driver other cars extension
Most standard motor insurance policies will allow you to drive other cars not belonging to you, but on a third party only basis – they will not cover damage to the car itself if it is involved in an accident. Our policies can offer comprehensive cover for the car you are driving, as well as your liability to others.
Like for like courtesy car
If your car is involved in an accident, the insurer will source a car for you to drive that is similar to the one involved in the accident and in the garage for repair, as opposed to a small hatchback which most standard insurers will limit you to.

In the event your car is deemed a total loss, the insurer will supply you with a courtesy for a fixed period or time or until you have received the cash settlement from the insurer.

Choice of own repairer
If your car is involved in an accident, the insurer will not dictate where your car must be repaired, and instead allow you to use your preferred garage.
No blame, no claim
If your vehicle is in an incident where the circumstances indicate it is not your fault and third party cannot be traced, your no claim discount will not be affected.
Loss of licence
If you, your spouse or partner has their licence revoked by the DVLA on medical grounds, the insurer will pay up to a fixed monetary amount for alternative transportation costs
Foreign use
Full policy cover for up to 180 days per trip whilst you are using your vehicle abroad and in accordance with the list of countries specified in your policy.
Replacement locks
The insurer will pay to replace the key, door and boot locks of your vehicle if the key, lock transmitter or entry card of your vehicle is lost or stolen and not recovered.
Car jacking and road rage expenses
If you are the victim of a car jacking or road rage attack, the insurer will pay for related medical or psychiatric services and expenses as a result of the occurrence.
Legal Expenses
The insurer will pay for a legal representative to claim uninsured expenses following an accident that is not your fault, such as personal injury costs. It will also cover motor contract disputes that you may have entered into.

Get a Quote from Alastair James Insurance

A policy to match your exact requirements

Alastair James Insurance Brokers Limited is an independent insurance broker located in the heart of Cheltenham, Gloucestershire. We specialise in private client insurance (high net worth insurance) and selected classes of commercial insurance.

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I had tried lots of other brokers but some didn’t bother to get back to me

I had tried lots of other brokers but some didn’t bother to get back to me, and others couldn’t offer cover for our property. I found your service very professional and efficient. It is nice to speak with an individual person rather than a large company of telesales people!

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I had tried lots of other brokers but some didn’t bother to get back to me

I had tried lots of other brokers but some didn’t bother to get back to me, and others couldn’t offer cover for our property. I found your service very professional and efficient. It is nice to speak with an individual person rather than a large company of telesales people!

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Great service and made sure I had everything I needed! Thank you!

Alastair kindly helped me with my office insurance when setting up the office last year! Great service and made sure I had everything I needed! Thank you!

Fran Coulter

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Alastair kindly helped me with my office insurance when setting up the office last year! Great service and made sure I had everything I needed! Thank you!

Fran Coulter

Would highly recommend

Great service for our home insurance. Found us a much cheaper and more comprehensive insurance than we’d previously had. Would highly recommend

Janet Flowers

Would highly recommend

Great service for our home insurance. Found us a much cheaper and more comprehensive insurance than we’d previously had. Would highly recommend

Janet Flowers

Open and honest at all times, and I would recommend him without a moment’s hesitation.

My situation has been complicated by a previous subsidence claim, but Alastair has gone above and beyond to help me find appropriate cover.
He has been responsive and efficient, while always providing excellent advice.
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Dave Cooper

Open and honest at all times, and I would recommend him without a moment’s hesitation.

My situation has been complicated by a previous subsidence claim, but Alastair has gone above and beyond to help me find appropriate cover.
He has been responsive and efficient, while always providing excellent advice.
I have found him to be open and honest at all times, and I would recommend him without a moment’s hesitation.
Thank you Alastair.

Dave Cooper

Alastair has constantly found me better deals and provided exceptional service throughout

I have used Alastair James for car, building and contents insurance. Alastair has constantly found me better deals and provided exceptional service throughout. I will definitely be using their services again in the future.

Kier James Roff-Stanion

Alastair has constantly found me better deals and provided exceptional service throughout

I have used Alastair James for car, building and contents insurance. Alastair has constantly found me better deals and provided exceptional service throughout. I will definitely be using their services again in the future.

Kier James Roff-Stanion

I would thoroughly recommend using Alastair for all your insurance needs.

Alastair has sorted out a number of insurances for us with total professionalism and efficiency. He has dealt with our car and home insurance and in all cases he has come up with exactly what we wanted, balancing cost with cover and also some additional benefits we had not considered. I would thoroughly…

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Christine Helps

I would thoroughly recommend using Alastair for all your insurance needs.

Alastair has sorted out a number of insurances for us with total professionalism and efficiency. He has dealt with our car and home insurance and in all cases he has come up with exactly what we wanted, balancing cost with cover and also some additional benefits we had not considered. I would thoroughly recommend using Alastair for all your insurance needs.

Christine Helps

Will continue using for the foreseeable future.

Alastair has helped my brother and I with numerous insurance requirements for several years. He has always provided exceptional service and prompt responses. As a result we have always found the best deals for all our insurance needs. Will continue using for the foreseeable future.

Rowan Roff-Stanion

Will continue using for the foreseeable future.

Alastair has helped my brother and I with numerous insurance requirements for several years. He has always provided exceptional service and prompt responses. As a result we have always found the best deals for all our insurance needs. Will continue using for the foreseeable future.

Rowan Roff-Stanion

Really got to know me and my business and helped me get a better understanding of which cover I should have in place

Alastair provides a professional and personal insurance service. He really got to know me and my business and helped me get a better understanding of which cover I should have in place. Would definitely recommend talking to Alastair if your insurance is up for renewal

Miss A.T

Really got to know me and my business and helped me get a better understanding of which cover I should have in place

Alastair provides a professional and personal insurance service. He really got to know me and my business and helped me get a better understanding of which cover I should have in place. Would definitely recommend talking to Alastair if your insurance is up for renewal

Miss A.T

Alastair listens to your exact requirements

Alastair listens to your exact requirements and finds the policies that suit you. Drop him a message

Mr S.C

Alastair listens to your exact requirements

Alastair listens to your exact requirements and finds the policies that suit you. Drop him a message

Mr S.C

Excellent service, Alastair, thank you for all your help. I

Excellent service, Alastair, thank you for all your help. I look forward to speaking again when my other policies are due

Mr G.D

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Excellent service, Alastair, thank you for all your help. I look forward to speaking again when my other policies are due

Mr G.D

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Ms R.D

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Ms R.D

Polite, very helpful and professional.

Polite, very helpful and professional.

Tess Mariapa

Polite, very helpful and professional.

Polite, very helpful and professional.

Tess Mariapa

PRIVATE CLIENT INSURANCE BROKERS

As private client insurance brokers, we have access to a variety of insurers and underwriting agencies who specialise in the insurance of high value homes, contents, valuables, performance cars and classic cars.

COMMERCIAL CLIENTS

Through our role as commercial insurance brokers we can provide comprehensive cover for individual company directors and sole traders through to small and medium sized enterprises and national organisations.

ABOUT ALASTAIR

Alastair established Alastair James Insurance Brokers Limited after nearly twenty years’ experience in the insurance industry, in both the Commercial and Private Clients sector.

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