For over 50 years, Goldcrest has arranged high net worth car insurance for footballers, celebrities and private clients across the UK. Every policy is built around the vehicle and the individual, rather than drawn from a standard motor template.
For clients with a collection of vehicles, we arrange sports car insurance and high net worth fleet cover – bringing multiple cars together under a single policy, or insuring each individually, according to what best suits how the collection is used.
Many clients also choose to bring their high net worth household insurance together with their motor cover, consolidating their home and vehicles under one relationship and, often, one saving.
The Standard of Cover with High Net Worth Motor Insurance
- Full comprehensive luxury car insurance for you and named drivers, whilst driving another vehicle with the owner’s permission
- No penalty or loss of No Claim Discount for non-fault claims, even where no recovery is made from the third party
- A like-for-like courtesy vehicle in the event of an accident or theft claim
- Your choice of repairer, should your vehicle require attention
- Agreed value in full, should your car be written off or stolen and not recovered
- Unlimited audio and stereo cover
- Full European driving and breakdown cover
Speak to a Dedicated Adviser
Every policy is arranged around you - not a generic quote. Call now to discuss your requirements directly with our team.
Request a Quote
Speak to one of our advisers and we'll arrange the right cover for your needs.
Cover for Individual Vehicles or Full Collections
Whether you own a single high-value car or an established collection, cover is arranged around you. Sports cars, classic cars and everyday luxury vehicles can be brought together as a high net worth fleet, or insured individually. Family fleets can include named drivers across several vehicles under one policy, so cover remains straightforward to manage as your household’s vehicles – and drivers – grow in number.
Insuring Classic and Performance Cars
For many of our clients, a classic or performance car represents far more than transport – it is an investment, a source of genuine passion, or a mark of what has been achieved. Standard motor insurance is built for depreciating, everyday vehicles, and rarely reflects the true worth of a car that holds or appreciates in value over time. We arrange specialist cover with agreed valuations, so the value of your car is settled in advance and never left to a claims-time estimate.
A Personal Service, Not a Call Centre
Each client is looked after by a dedicated adviser who takes the time to understand you, your vehicles and how they are used – never a rotating call-centre queue. Should you ever need to claim, you will deal directly with someone already familiar with your policy, allowing matters to be resolved with the minimum of friction. Many of our high net worth clients choose to place their home, motor and wider personal insurance with us, so everything sits under a single, trusted point of contact.
Choose Goldcrest for Your High Net Worth Car Insurance
At Goldcrest we have been arranging high net worth car insurance for over 50 years, working with insurers who understand the needs of luxury, classic and performance vehicle owners. Every policy is arranged around you, with a dedicated adviser rather than a call centre.
Find out more about how we can help, or get a quote below to discuss your high net worth car insurance requirements.
High Net Worth Car Insurance FAQs
What is high net worth car insurance? ›
High net worth car insurance is a specialist motor policy underwritten for high-value and luxury vehicles, where standard market-value settlement and generic policy limits would leave an owner exposed. Cover is typically arranged on an agreed value basis, with enhancements such as guaranteed like-for-like courtesy vehicles, higher legal expenses limits, and broader named-driver terms than a mainstream motor policy would offer.
Do you insure car collections as well as single vehicles? ›
Yes. Collections can be insured under a single high net worth fleet policy, with each vehicle individually scheduled and rated according to its own value, use and risk profile, or arranged as separate individual policies where that better suits how the collection is used and managed.
Can I insure a classic or performance car with you? ›
Yes. Classic and performance cars are insured on an agreed valuation basis, fixed at the point the policy is arranged and typically reviewed at renewal. This removes the uncertainty of a standard market-value settlement, which is based on comparable vehicle sales at the time of a claim and rarely reflects the true worth of an appreciating or collectible car.
Can I add family members as named drivers? ›
Yes. Named drivers can be added across one or more vehicles within the policy, and cover can extend to driving other vehicles with the owner’s permission – useful for households managing several cars and drivers under a single arrangement rather than separate policies for each person.
Can I combine my car and home insurance? ›
Yes. Combining your motor and household cover under one broker consolidates renewal dates and risk information, which can streamline underwriting and claims administration, as well as offering a saving compared with placing each policy separately.
Do you arrange cover for footballers and celebrities specifically? ›
Yes. High-profile clients often carry additional risk factors – higher-value vehicles, public visibility, and privacy considerations around claims and correspondence – that a standard underwriting process doesn’t account for. We’ve arranged cover for professional footballers, celebrities and private clients for over 50 years with this in mind.
What happens if my car is written off or stolen? ›
With agreed value cover, you receive the full value fixed at the outset of the policy if the vehicle is declared a total loss or stolen and not recovered – rather than a market-value assessment carried out at the time of the claim, which can undervalue a car that has appreciated or is difficult to directly compare against similar vehicles for sale.
Will I be dealing with a call centre if I need to claim? ›
No. Claims are handled by a dedicated adviser already familiar with your policy, vehicles and any specific terms attached to your cover – which avoids having to re-explain your circumstances to a different handler at each stage of the process.
