High Value Car Insurance

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.

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.

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.

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.

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

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.

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.

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.

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.

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.

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.

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!

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.

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.

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.

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

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