High Net Worth Motor Insurance

Specialist motor insurance for prestige, performance, and high-value vehicles.

If you own a luxury, classic, or high-performance car, a standard motor policy may not offer the right level of protection. You need cover designed for vehicles that are more than just a way to get from A to B.

At The Yorkshire Broker, we arrange tailored High Net Worth Motor Insurance that combines exceptional protection, flexible cover, and first-class service, giving you complete peace of mind every time you drive.

What is High Net Worth Motor Insurance?

High Net Worth Motor Insurance (sometimes called Private Clients Motor Insurance) provides enhanced cover for prestige vehicles and for individuals with multiple or high-value cars.

It goes beyond standard car insurance, offering higher limits, agreed values, and benefits that recognise the true worth of your vehicles and your lifestyle.

This type of insurance is ideal for those who:

Own prestige, luxury, or performance cars (such as Aston Martin, Bentley, or Porsche)
Have collections of classic or modern vehicles
Require agreed value or unlimited mileage policies
Need family fleet or multi-car cover
Expect a dedicated, efficient claims service

What Does High Net Worth Motor Insurance Cover?

A bespoke high net worth motor policy can include:

Comprehensive Vehicle Protection

Agreed value cover – so you know exactly what you’ll receive in the event of a total loss
New vehicle replacement if your car is written off or stolen (usually within 12–24 months of purchase)
Like-for-like courtesy vehicle following an accident or theft
Choice of repairer, including manufacturer-approved or specialist garages
Unlimited glass cover for windscreens and windows

Driving Flexibility

Any driver or open driving options for family or authorised users
Driving abroad – European cover often included as standard
Temporary or extended cover for borrowed, hired, or newly acquired vehicles

Protection for Accessories and Additions

Covers bespoke enhancements such as:

Custom interiors or performance upgrades
Personal number plates
In-car technology and entertainment systems

Personal Cover Benefits

Personal accident and medical expenses cover
Key replacement for lost or stolen keys
Legal expenses for motoring prosecutions or disputes
Uninsured loss recovery if you’re involved in an accident caused by someone else

Collections & Multi-Car Cover

If you own more than one vehicle, whether a mix of everyday, classic, or high-performance cars, you can cover them all under one easy-to-manage policy, often with flexible mileage and generous driving terms.

Why You Need Specialist Motor Insurance

High-value and performance cars often need more than the basics. Standard insurance may not:

Reflect the true value of your vehicle or agreed replacement cost

Offer choice of repairer or original manufacturer parts

Cover multiple cars or occasional drivers under one policy

Provide the service level expected for prestige vehicles

High Net Worth Motor Insurance ensures your vehicle (or collection) is protected with the care and attention it deserves.

Additional Benefits

Depending on your insurer, your policy can include:

Worldwide driving extension for regular travellers

Enhanced breakdown and recovery across the UK and Europe

Protection for car collections in storage or transit

Cover for borrowed or loan vehicles

Dedicated 24-hour claims line with priority response

Who We Work With

We arrange cover for:

Owners of prestige, luxury, and performance vehicles

Collectors with multiple or classic cars

Families requiring multi-car policies

Professionals who expect a discreet and responsive service

Whether your pride and joy is a vintage Jaguar, an electric Tesla, or a top-end Range Rover, we’ll help you protect it properly.

Why Choose The Yorkshire Broker?

Independent advice with access to leading high net worth insurers
Tailored cover for single vehicles, collections, or family fleets
Agreed-value policies for total peace of mind
A dedicated point of contact for claims and renewals
Friendly, professional service built on trust and expertise

We take the time to understand how you use your vehicles and what matters most to you, ensuring your policy fits your lifestyle, not the other way around.

Protect Your Prestige Vehicle Today

Whether you own one luxury car or an entire collection, The Yorkshire Broker can help you arrange a High Net Worth Motor Insurance policy that delivers the protection and service you expect.

Call us today on 01924 929070 to discuss your needs and get a personalised quote.