Luxury, Prestige and High Value Car Insurance


Cheaper Car Insurance with City Insurance

Not all mainstream Insurers will provide insurance cover for expensive, luxury or prestige cars. However, at City Insurance we have got together with some of our leading Insurer Partners to drive down the insurance cost for these types of cars. We have a range of carefully selected policies available to bring you the top quality cover you require, but at the best possible price.

If you drive a high-value car then only the best insurance will be sufficient, we are confident of finding you the most competitive quote in the market. Getting a no-obligation quote is quick and easy.

Monthly premiums also available (Subject to status).

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What is Luxury Car Insurance?

Our Luxury Car Insurance offers ultimate levels protection for high value vehicles. We will provide you with a tailor-made policy to match your personal requirements. So you will have peace of mind your pride and joy is fully covered and that you are also getting a great deal for your car insurance.

Common examples of manufacturers in this category we insure include; Bentley, Rolls-Royce, Mercedes, Porsche, Audi, BMW, Range Rover and Maserati. Whichever high value car you own, we strive to accommodate your needs.

We are here to find you the best policy to match your needs. So if you are not sure what type of Car Insurance you require, please contact us and talk to one of our specialist advisors.

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How does having a Luxury or High Value Car affect my premium?

When it comes to working out car insurance, premium calculation is largely based on risk. For example, if your luxury car is more desirable it could be a bigger target for thieves, therefore increasing risk. Likewise, if the worst happened and your car was involved in an accident then parts and repairs would likely be more expensive.

On the other hand, there are certain factors that could mitigate the risk. And at City Insurance, we take these factors into account and explore all of the possible avenues for lowering your premium. For example, your high value car is likely to have more advanced safety or security features, or it could be kept in a locked garage. Both of these examples would result in a decreased risk and better value premium.

Ultimately there are many factors which can impact your premium. The challenge is to find a comprehensive policy that will ensure your prized car is completely protected - but at the best price. That’s where we can help!

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Other ways to reduce the cost of my premium?

Add an Immobiliser or Tracker – It is likely your car already comes with advanced security features and adding an immobiliser or tracker you could further drive down your quote.

Reduce Mileage – Simply by driving fewer miles you are lowering the risk potential for your insurer and your premium will reduce accordingly.

Increase Voluntary Excess – The higher excess you agree to pay, the lower your premium should become. On the other hand you will need to be prepared to pay more money in the event of a claim.


Luxury, Prestige and High Value Car Insurance
Courtesy Car Following An Accident*
Legal Expenses Service
Full Claims Backup
Online Discount
Audio Cover
Windscreen Cover
New Car Replacement
Protected Bonus
Foreign Use
Up to 70% No Claims Bonus
Immediate Cover Online


* Subject to Insurer, comprehensive cover & availability
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Service Excellence Since 1989

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We have been providing low cost quality insurance solutions since the 1980's. Our head office is based in the City of Winchester. As we insure thousands of clients we are able to use bulk-buying power with many insurer partners to keep premiums as low as possible.

At City Insurance we have a great range of insurance offerings from Car & Van insurance, home and travel cover as well as business insurance, liability and commercial insurance too.

;We recognise most people are very busy and that you may not always have the time to search around for the cheapest policy. At City Insurance we are confident we can save you both time and money. For this reason we can offer you the simplicity of, 'quote & buy online' in most cases backed up by a friendly knowledgeable team. We will take you your insurance requirements and instantly compare a panel of leading insurers and then provide our best premium and cover options to suit your needs. If you're happy, you may buy cover immediately or you can speak with our Client Service centre for further advice or assistance.

Some insurance circumstances can be involved or complex and need careful attention from staff that are competent and trained and not just script readers. We believe in a personal service supplied by knowledgeable helpful staff, we do not have foreign call centres and real people answer our telephones, not computers!

At CityInsurance.co.uk, we are committed to making insurance accessible, affordable, and straightforward for everyone. We pride ourselves on offering tailored insurance solutions whether you're looking for standard coverage or something more specific. From young drivers and first-time homeowners to small businesses and experienced professionals, we have a solution that suits your needs.

We believe that good service means more than just offering low premiums — it means taking the time to listen, understand your individual needs, and deliver clear, honest advice. Our experienced staff work hard to ensure that every policy is matched with the right customer and that every customer feels supported before, during, and after purchase. We regularly review our processes and training to maintain the high standard of care that has become our hallmark.