Why a standard car insurance isn't enough
A standard car insurance is primarily designed for ordinary everyday cars, where the value normally decreases over time. For premium and collector vehicles, the situation is different. In many cases these cars have risen sharply in value and can also be seen as a long-term investment, where the market value in some cases actually increases over time.
That places higher demands on the insurance. The vehicle should not just be insured at a generic standard value — the insurance needs to take into account the car's actual market value and the development of the premium and collector vehicle market.
This is where premium insurance truly makes a difference. It is tailored specifically to valuable vehicles and provides cover that better reflects the car's actual value.
Which cars are a good fit for the premium car insurance?
Premium car insurance is designed for sports, enthusiast and collector cars – for example Porsche, Ferrari, Lamborghini, Koenigsegg, Aston Martin, Bentley, McLaren and Mercedes-AMG, as well as classic vintage cars and other vehicles with a high or rising market value.
The insurance is a particularly good fit when:
- the car is a collector's or investment car that appreciates in value
- the car is driven seasonally or has a low annual mileage
- the car is stored in a garage and cared for by a dedicated owner
- the car's true market value exceeds the compensation caps of ordinary policies
Max Matthiessen's experienced insurance brokers guide you through the whole process – from valuing the car to the right terms and support in the event of a claim.