Car insurance
Performance Car Insurance
cover for a high-powered or high insurance group car, where standard insurers can load the price or decline
Cover for a high-powered or high insurance group car, often from specialist insurers. The drivers, security and where the car is kept shape the terms as much as the car itself.
- Hot hatches, sports and super cars
- High insurance group cars
- Specialist insurers
- FCA authorised and regulated
Quick answerPerformance car insurance covers a car with high power, fast acceleration or a high insurance group, from hot hatches to sports and super cars. Mainstream insurers can load the price, restrict drivers or decline, so specialist insurers often quote instead. Security, storage, driver age and experience shape the terms. Enter your registration and UK providers can come back with quotes.
This page is about cars that are powerful as standard. Cars changed from standard are on our modified car insurance page.
At a glance
Performance Car Cover, in Brief
Six things that decide how performance car insurance behaves, before any of the detail.
- Power and speed
- Higher performance can mean a higher risk
- Insurance group
- Most performance cars sit in higher groups
- Driver age and experience
- Some insurers set minimum ages
- Security
- Trackers and immobilisers can be required
- Storage
- A garage can help or be a condition
- Track days
- Usually excluded unless added
The basics
What Is Performance Car Insurance?
Car insurance for a high-powered car or one in a high insurance group. It offers the usual levels of cover, often from specialist insurers with conditions on drivers and security.
Third-party cover
Injury to others and damage to their property.
Fire and theft
Your car if stolen or burnt out, on higher levels.
Accidental damage
Repairs to your car on comprehensive cover.
Specialist repairers
Manufacturer-approved repairs, on some policies.
Key cover
Replacement keys and locks, where included.
Track day cover
As an optional extra on some policies.
How it works
How Does Performance Car Insurance Work?
You give details of the car, the drivers and the security in place, and specialist insurers price the performance risk.
You describe the car
Registration, model, value, security, and where it is kept overnight.
You describe the drivers
Ages, experience, claims and any convictions for everyone who will drive.
You describe how it is used
Social, commuting or business use, and roughly how far you drive.
You choose the terms
The level of cover, the excess, any extras and how you pay.
What it covers
What Does Performance Car Insurance Cover?
The usual levels of car cover, priced for the performance risk, with security and driver conditions on many policies.
| Section | Where it sits | What to know |
|---|---|---|
| Injury and damage to others | Core | Included at every level |
| Fire and theft | Core on higher levels | Subject to security conditions |
| Accidental damage | Comprehensive | Often by approved repairers |
| Key cover | Optional | High-value keys can be costly |
| Courtesy car | On some policies | Rarely a like-for-like car |
| Track days | Usually excluded | Can be added on some policies |
| European driving | On some policies | Check the level of cover |
Driver restrictions. Some insurers only cover drivers above a set age or with a set amount of experience on a performance car. Check who can drive.
Exclusions
What Performance Car Insurance Does Not Include
Cover can exclude track use, drivers outside the age or experience limits, unmet security conditions, and wear and tear.
Track days and racing
Unless specifically covered.
Drivers outside the limits
Too young or too little experience.
Unmet security conditions
Such as a tracker not active.
Keys left in the car
Theft with the keys in or on the car.
Wear and tear
Tyres, brakes and mechanical failure.
Undeclared modifications
Changes the insurer was not told about.
Types
Which Performance Cars Can Be Covered?
A wide range of powerful cars. Power, value and insurance group shape the terms.
Hot hatches
Small cars with big power.
Sports saloons and estates
Fast family cars.
Sports cars and coupes
Two-seaters and grand tourers.
Performance electric cars
Rapid acceleration from electric power.
Super cars
The highest power and value.
Track-focused road cars
Road cars built for circuits.
A high-value luxury car? See our prestige car insurance page.
Who it suits
Who Performance Car Insurance Suits
Drivers of cars with high power, fast acceleration or a high insurance group.
Enthusiasts
Drivers who enjoy a powerful car.
Experienced drivers
Often the best placed for terms.
Everyday performance drivers
Using a fast car daily.
Weekend drivers
A second car for pleasure use.
Collectors
Owners of rare performance models.
Electric performance drivers
High-powered electric cars.
Under 25? See our young drivers car insurance page.
Performance or standard
Performance Car Cover vs a Standard Policy
A standard insurer can load or decline a powerful car. Performance cover comes from insurers who accept the risk, often with conditions.
| Performance cover | Standard policy | |
|---|---|---|
| Insurers | Often specialist | Mainstream |
| Driver limits | Can apply | Rarely |
| Security conditions | Often set | Standard |
| Track days | Can be added | Not usually |
What is an insurance group? See our insurance groups guide.
Cost
What Performance Car Insurance Is Priced On
The car and its insurance group, the drivers, security, storage and the claims history. We do not print average premiums.
Why the car leads
Power, repair costs, parts and theft risk can put performance cars in higher insurance groups.
Why the drivers matter too
Age, experience, claims and convictions for everyone named carry a lot of weight.
What the quote is rated on
The main factors
- The carPower, value and groupBase
- DriversAge and experienceRate
- SecurityTracker and immobiliserRate
- StorageGarage or streetRate
- No claims bonusClaim-free yearsAdjust
Approved tracker
Can be required for higher values.
Garage storage
Can help the terms.
Experienced drivers
Named drivers affect the price.
The details
The Driver and Security Details That Decide a Performance Car Claim
Performance car claims can turn on who was driving and whether the security conditions were kept. Four details come up again and again.
Keep to the driver limits
Only let named drivers within the age and experience limits drive the car.
Keep security active
Keep any required tracker subscription live and use the immobiliser.
Store it as declared
Use the garage or parking you told the insurer about, especially overnight.
Declare track use
Track days are usually excluded unless they are added to the policy.
Quote checklist
What You Will Be Asked for a Performance Car Quote
Six things shape the quote: the car, the drivers, their history, how the car is used, where it is kept, and the security.
The car
Registration, model, value and insurance group.
The drivers
Everyone who will drive, and their licences.
Claims and convictions
Recent claims and any motoring convictions.
How it is used
Social, commuting or business, and mileage.
Where it is kept
Postcode and overnight parking.
Security
Tracker, immobiliser and alarm.
Comparing
Checking Performance Car Quotes Side by Side
Four areas decide whether a policy suits you: the cover, the excess, the specialist terms, and the wider terms. The price is only one of them.
The cover
- Level of cover and courtesy car
- Windscreen cover
- Driving other cars
The excess
- Compulsory excess
- Voluntary excess
- Windscreen excess
Specialist terms
- Driver age and experience limits
- Security conditions
- Track day options
Terms
- No claims bonus protection
- European driving
- Paying monthly or upfront
Check who can drive. Driver limits can matter as much as the price. Unfamiliar terms are explained in our plain English jargon guide.
Cutting costs
How to Reduce the Cost of Performance Car Insurance
The levers are the excess, security, storage, accurate details and how you buy. We publish no savings figures.
Choose the excess deliberately
A higher voluntary excess is a lever, worth using only at a level you could pay.
Fit approved security
Trackers can help the terms.
Garage the car
Secure storage can help.
Set a realistic mileage
Lower mileage can help.
Limit named drivers
Fewer, experienced drivers can help.
Compare specialist quotes
Specialist insurers price performance cars differently.
Glossary
Performance Car Insurance Terms Explained
The words that come up most on a performance car insurance schedule.
- Insurance group
- A rating from the lowest to the highest risk group, based on the car.
- Tracker
- A device that helps locate a stolen car.
- Track day
- Driving on a race circuit, usually excluded.
- Driver restriction
- A limit on who can drive, often by age or experience.
- Approved repairer
- A garage the insurer uses for repairs.
- Main driver
- The person who drives the car most.
- Named driver
- Someone else allowed to drive the car under the policy.
- No claims bonus
- A discount built up through claim-free years.
- Compulsory excess
- The part of a claim the insurer sets that you pay.
- Voluntary excess
- An extra amount you choose to pay on a claim.
Why MyMoneyComparison.com
Why Compare Performance Car Insurance with MyMoneyComparison.com?
MyMoneyComparison.com is an FCA-authorised UK comparison service that introduces drivers to specialist brokers. We do not sell insurance and we do not give advice: the broker you choose arranges the policy. Using us is free.
One form, one car
Describe the car once, instead of repeating yourself to each broker.
Advice given
We are an introducer, not a broker. We do not sell policies and we do not recommend one insurer or product over another. Read our editorial policy.
Authorised and regulated
MyMoneyComparison.com Ltd appears on the FCA register under FRN 916241.
Incorporated
A UK company since 2013. FCA authorisation is separate and later; the register carries its date.
FAQs
Performance Car Insurance FAQs
Answers on insurance groups, young drivers, track days and security.
What is performance car insurance?
Car insurance for a high-powered car or one in a high insurance group, such as a hot hatch or sports car. Specialist insurers often quote where mainstream insurers load the price or decline.
What counts as a performance car?
There is no single definition. Insurers look at power, acceleration, top speed, value and insurance group. Many hot hatches, sports saloons and coupes count, as well as super cars.
Why is performance car insurance more expensive?
Powerful cars can be involved in more serious accidents, cost more to repair and attract thieves. That puts them in higher insurance groups and raises the price for most drivers.
Can young drivers insure a performance car?
It can be difficult and costly. Some insurers set minimum ages or experience for performance cars, so young drivers may find fewer quotes and higher prices.
Do I need a tracker?
Some insurers ask for an approved tracker on higher-value or high-risk cars, and it can be a condition of theft cover. Keep any subscription active, as a lapsed tracker could affect a claim.
Does a garage help?
Keeping the car in a locked garage overnight can help the terms, and some insurers require it for high-value cars. Declare where the car is really kept.
Are track days covered?
Usually not. Many policies exclude track use. Some specialist insurers offer track day cover for a set number of days, usually with a separate excess.
Can I add named drivers?
Yes, within the insurer’s limits. Some performance policies restrict drivers by age or experience, so check that everyone who will drive is accepted. Each named driver’s history feeds the price.
Is a performance electric car treated differently?
Powerful electric cars are rated on performance, value and repair costs like other cars. Battery and charging terms may apply as well. Tell the insurer the exact model and battery set-up.
Will a courtesy car be similar?
Rarely. Courtesy cars are usually small everyday cars. Some specialist policies offer a like-for-like hire car as an extra, so check if it matters to you.
Can I insure a performance car for weekends only?
Some insurers offer limited mileage or pleasure-use cover for a second car used mainly at weekends. It can help the price if you have another car for daily use.
What about a modified performance car?
Declare every change, including remaps and exhausts. Modifications on a performance car can change the risk and the terms, and undeclared changes can affect a claim.
Does the insurance group matter?
Yes. Groups reflect repair costs, parts, performance and security. Performance cars tend to sit in higher groups, which feeds the price. Check the group before you buy, as it helps predict the cost of cover.
Can I drive in Europe?
Many policies include some European cover, sometimes only third-party and for a set period. Check the level of cover and any time limits before you travel.
Does a black box help?
Some insurers offer telematics for performance cars, particularly for younger drivers. Careful driving can help, but not every performance insurer uses them. Ask whether a telematics policy is available for your car.
How do I compare performance car quotes?
Look beyond the price to the driver limits, security conditions, the total excess, courtesy or hire car terms, key cover and whether track days can be added.
Ready when you are
Get Quotes for Your Performance Car
Enter your registration and tell us about the drivers. UK providers can then come back with quotes. Free to use, with no obligation to buy.
- Specialist cover for high-powered cars
- Free to use, no obligation
- FCA authorised and regulated
Free to use · No obligation · UK brokers
About this page
This page explains UK performance Car Insurance: what it covers, what it leaves out, and how the car’s power, security and the drivers decide a claim. It is general information rather than advice. Policies differ between insurers, so read your own documents and put the questions raised here to your insurer or broker.
How we approached this page
- Published UK performance car policy summaries
- Track day, security and driver restriction terms
- Financial Ombudsman material on motor insurance complaints
Legal & Regulatory Information:
The MyMoneyComparison.com website is owned and operated by MyMoneyComparison.com Ltd, which does not provide financial advice and does not sell insurance policies. MyMoneyComparison.com Ltd is authorised and regulated by the Financial Conduct Authority (FCA) for insurance mediation and credit broking activity under FCA registration number 916241.
MyMoneyComparison.com Ltd is a data controller under the Data Protection Act 2018, registered on the Data Protection Register under registration number ZA460665.
Registered Office: Jubilee House, 55 Church St, Morley, Leeds LS27 9JQ, United Kingdom.
© 2013-2026 MyMoneyComparison.com Ltd. All rights reserved.