High Value Car Insurance

Whether you own a supercar, classic, luxury or high value car, knowing that it is insured correctly is vital. We are passionate about cars and understand that for many, their car or collection of vehicles is their pride and joy.

Flint Private Clients is our specialist department that handles high net worth cover, including high value car insurance. Our concierge insurance arrangement works 24 hours a day for private individuals. The team has access to specialist insurers – including some who don’t deal directly with the public – whether you are looking for an agreed value policy or the flexibility of any driver, your cover is tailored precisely to your needs.

High value motor insurance is usually for cars worth more than £40,000. Your insurance could be a single car or multiple vehicles under one contract. Car insurance can also be incorporated into your household policy so that you only ever have one renewal date for all your property.

For over 30 years, Flint’s specialist Private Clients team has handled high net worth car insurance. Our highly trained Private Client team deals with every aspect of your insurance, from providing risk details to underwriters, securing the quote and sorting documentation. Importantly, in the event of a claim, you receive our full support – we are on hand 24 hours a day to assist you in the event of a loss.


Main Features

Expert in arranging high value motor insurance – supercars, classic or high value vehicles – our Private Client team will take the time to understand your requirements and ensure the cover we recommend meets your needs and valuations.

Comprehensive high value car insurance for:

  • High performance sports cars
  • Executive saloons
  • Luxury vehicles
  • Vintage and Classic cars

Cover can include:

  • Repairs made by a specialist garage of your choice
  • Reinstatement cover
  • An “agreed value” for your car
  • Extra protection to cover any claim differences in agreed value
  • Transit cover
  • European cover
  • 24/7 support


Helping you find the right insurer

At Flint Insurance, we understand that selecting precisely the right insurance from the right provider can be a complex and daunting

With standard car insurance – the upper “agreed value” limits will be too low for high value vehicles, so any loss would likely be underinsured.

With high value car insurance – extra emphasis is placed on both the “agreed value” for your vehicle and flexibility around which garage make the repairs – in the event of a claim.  With Flint, you can be confident in the vehicle’s valuation, and the repair/reinstatement cover is suitable.

Our Private Client team is on hand to guide you through each step of brokering car insurance quotes and negotiating a policy that is right for you and your car or collection.

We appreciate that our clients are often time-poor, so briefly speak with our Private Client team and let them negotiate on your behalf. We have examples where we’ve assumed insurance for clients, put superior cover in place and still saved them money – you will never pay over the odds with Flint.

Our specialist insurer panel comprises experienced high value insurers, some very well-known and other niche premium home underwriters only available via an expert insurance broker like Flint. Choosing from several providers means that we can recommend the very best cover and most cost-effective premiums.

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Plum Underwriting logo Protect underwriting logo Zurich Insurance logo

Speak to our Private Clients team today

Call us today and speak directly with a member of our Private Clients team. They will take a few details, speak to you about your situation before seeking quotes from a range of insurers on your behalf. The same broker will assess the quotes before recommending a policy to you that strikes the balance of cover and affordability.

Request a callback

    Within our office hours, we endeavour to contact you within 15 minutes of your requested time.

    Contact us

    Call us on 0800 840 3156 and one of our team will be more than happy to help.

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    Customer Satisfaction

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    Rated our service ‘extremely good’

    A dedicated team

    Flint Insurance is a trusted, experienced independent insurance broker. Our Private Clients team strives to provide a professional, confidential and personal service. The team is dedicated to brokering the best possible insurance policies for our clients whilst maintaining the highest level of personal care.

    Select Flint Private Client insurance and benefit from:

    An expert broker to research and advise on exactly the right cover for your high value car(s). We will ensure the car valuation, insurance selection and buying process is hassle-free and straightforward.

    A tailored service to exactly meet your needs and valuations. Our service and insurance policies are tailored to you and your individual situation.

    A free service where we will interact on your behalf with a panel of market-leading, highly established and secure industry leaders in insuring your high value cars and vehicle collections. All at no cost to you.

    A ‘single’ portfolio policy with the same date for inception and renewal. You will see the financial and administrative benefits from consolidating your policies.

    A concierge claims management service that is on hand 24 hours a day to assist you in the event of a claim. We will manage the claims process on your behalf, negotiating directly with the insurer.

    Ongoing advice throughout the life of your insurance. To ensure you are getting the most from your insurance, your dedicated client manager will continue to offer specialist advice on adjusting and maintaining the optimum cover for your car or collection.

    There is no vast call centre or push to sell you a particular product, as you might experience by talking directly to some insurance companies. Instead, with Flint Private Clients, you deal with a dedicated insurance advisor who handles your risk and considers this against a wide range of options to find the best solution for you and your assets.

    Our team seeks to understand your unique high net worth needs and make reasoned recommendations for your insurance cover. As experts in our field, we work with trusted insurers, keeping up to date across the market to secure comprehensive cover at the best rates.

    Regulated by the Financial Conduct Authority (FCA), Flint Insurance is proud to represent your high value interests as our primary concern, finding you the best policy options and insurance quotes to suit your individual needs.

    There will never be a cost to you or your business for our expert services, and we can secure you the most favourable insurance rates based on established partnerships with major insurance firms.

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    A Portfolio Approach

    Flint Private Client offers a truly bespoke insurance contract that is built around your needs to incorporate such things as house, holiday homes (and their various contents), plus cars, boats and any other vehicles, often in a single policy.

    Where appropriate – and following a detailed analysis of your needs – our team will seek to put in place a single ‘portfolio’ policy, tailored to your requirements with one insurer, one renewal date and managed by a dedicated Client Manager.

    A Flint portfolio policy would typically include the following cover :

    • Worldwide cover for all your contents and possessions
    • Full accidental damage cover for buildings, contents, and fine art as standard
    • Cover for jewellery, watches, fine art, antiques, collectables, designer clothing, and high value accessories
    • Warranty free cover – no onerous security conditions and the like
    • Motor – single cars to family fleets including classic cars
    • Choice of repairer, like for like car replacement, agreed value
    • Annual travel cover with higher claim limits for more expensive trips
    • 24 hour home emergency cover
    • Legal expenses

    Our overarching aim is to build a long-term relationship with our clients, putting us in the best position to arrange the broadest possible cover, best suited to your needs at a competitive price.

    If you do need to claim

    In the unfortunate event that you need to make a claim on your insurance for high value car, please call our Private Clients dedicated claims team immediately on 0208 309 3407.

    Please call us first – as your broker and advocate; we want to help manage the claims process from the outset. Our Private Client team will negotiate the best possible claims settlement on your behalf.

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    Questions you might have

    Why do I need a high value car insurance policy?

    Not all car insurance is the same. Higher value cars (and collections), with higher sums insured, require bespoke cover to ensure sufficient protection is in place.

    Where standard car insurance will have restrictive limits on the insurable value of items, a high value motor or high-performance vehicle policy will establish a pre-agreed car value so that you receive full compensation in the event of a total loss.

    Using a suitable garage for your particular vehicle repairs is also an issue; it needs to be quality controlled using only genuine manufacturer parts. Similarly, whilst your car is at the garage, any courtesy car should be of a similar standard.

    With Flint Private Client we look at every aspect of your car in detail and make recommendations for complete cover.

    I own several cars; can I have one policy?

    Yes, by combining your cars under a single policy you can often save on your premium, improve your cover and reduce your administration burden. Speak to your Flint Private Client account handler who can give you an idea of cost savings.

    What factors will affect my premium?

    There is a wide range of risk factors calculated as part of your high value motor insurance policy: car security (including where it is parked overnight), the number of drivers, how you use your vehicle, annual mileage, previous insurance history for claims and your driving record for convictions.

    Flint Private Clients has access to an extensive range of policies with different options for cover, which will also affect the price of your insurance. We work with you to secure the right cover at the best rate.

    I am young and a relatively inexperienced driver, can I get cover?

    Yes, ultimately, your insurance premium will reflect any lack of driving experience. Still, a specialist broker such as Flint has access to insurers who do not trade online and may offer a better deal or provide insurance that others decline.

    Depending on your circumstances, a family fleet policy is another option; speak to us for more details.

    I have driving convictions and some claims against me. Can I still obtain high quality cover?

    Yes, we have access to many specialist insurers who will consider vehicle insurance on these terms.

    How can I reduce my insurance costs?

    There are several options that we can discuss with you, such as increased ‘claims excess’ and car security and tracking systems which will reduce your premiums.

    Is 'agreed value' cover only available on collector cars?

    No, many high value insurers will give you agreed value cover on a number of types and classifications of vehicle. The Flint Private Client team can advise whether this is the best option for you.

    Can I include breakdown, legal expenses and Gap cover?

    Yes, this is one of the significant benefits of high value car cover; especially because your insurer is ideally looking to be a ‘one-stop shop’, they will respond to your needs regarding these types of extra cover. As well as an added convenience, this full-service approach can often reduce the overall cost of your premium.

    I might take my car on a track day, will I be insured?

    High value insurers tend to understand that owners of high-performance vehicles like to let them off their leash now and then! As a result, several of our insurers will accommodate time for track days. Speak to your Flint Private Client account handler, who will make sure you get the right cover.

    How do I buy insurance for high value cars?

    To select an insurance policy and quote that’s tailored to your needs, a member of our Private Client team will need to speak with you to answer a range of important questions about you, your car (or collection). We will assess your unique insurance needs and identify the essential parts (and values) of the cover you require in your high value policy.

    To discuss buying a car insurance policy, you can contact us via telephone on 0800 840 3156 (9:00 am to 6:30 pm Monday to Thursday, and 9:00 am to 5:30 pm on Friday). Alternatively, fill out the form on this webpage, and we will be pleased to call you back at a convenient time for you.

    Do you offer price matching for cheaper quotes?

    If you already have a quote from another premium car insurance provider, please share this with us and ask us for a competing quote. As an insurance broker, we can negotiate rates on your behalf from a wide panel of UK insurers, often at preferable rates. We will endeavour to find you the same policy cover for a lower price.

    I have made a number of insurance claims - can I still obtain high quality cover?

    We have access to a wide range of insurers, including some who do not deal directly with the public but only via an insurance broker. This includes insurers who specialise in more challenging to place risks, such as those with a high claims frequency. So please speak with us; we can often allay your fears!

    How long are the insurance quotes valid for?

    The majority of insurance quotes from Flint are valid for 30 days. However, the validity period can vary across both insurers and the quotes provided. We will confirm the validity period when we provide you with a quote. If you do not take up the quote within the validity period, a reassessment of your insurance needs will need to be carried out and a new quote established. This may differ from the original, depending on changes within the insurance market.

    When will the cover start?

    Once the Private Client team has spoken with you and researched the best insurance quotes for your vehicle(s), we will move quickly to confirm the insurance coverage options. When we have mutually agreed on the best policy for you, we will action the policy with the insurance firm and confirm the cover with you. Once we provide you with the confirmation, you will have immediate insurance cover.

    Who do I call if I need to make a claim?

    If you need to claim against your insurance and so that we can help you as quickly as possible, please – where possible – call your Flint Insurance Private Clients dedicated claims team immediately on 0208 309 3407.

    Please call us first. As your broker and advocate, we want to help manage the claims process from the outset.

    We work closely with our chosen high value insurers and other claims professionals, such as loss adjusters, to ensure that the whole process works as smoothly as possible, supported at every stage by your Flint Private Clients account handler.

    For Private Clients claims call: 0208 309 3407

    Flint Insurance office hours:

    Monday – Thursday – 9 am – 7 pm

    Friday – 9 am – 5.30 pm

    Saturday – 9 am – 12.30 pm

    Outside of normal office hours, your chosen insurer will have a 24-hour claims reporting hotline – refer to your policy documentation for these details. In addition, all of our insurers operate a 24/7 365 days per year claims helpline.

    Can I choose who repairs my car following an accident?

    Yes. A good quality, high value insurer will give you the option to choose your repairer.

    What type of courtesy car will I get during repairs to my car?

    Many of our high value insurers will automatically provide either like-for-like or a similar car to the one being repaired.

    Call us on 0800 840 3156

    9:00am to 6:30pm
    Mon – Thurs
    9:00am to 5:30pm