Protect your Luxury & Supercar with Full Agreed Value Guaranteed

We’ve partnered with the best Luxury & Supercar insurance companies available. These types of policies are designed for vehicles that have collectible value and meant for pleasure driving not regular commuting.

Agreed Value Coverage

We offer an agreed value total loss settlement. Before the policy activates, you as the car’s owner, the agent, and our underwriters agree on the car’s value and insure it for that amount. In the event of a total loss, that agreed upon value is the payout amount (in a total loss, the settlement is inclusive of all applicable taxes and fees). The deductible of course applies, but there is no depreciation and no misunderstanding.

What Types of Vehicles are Eligible?

Modern muscle cars and exotics/supercars of all years can be eligible. Lamborghini, Ferrari, McLaren, Porsche, Aston Martin, Audi, ect. If your car turns heads—we can lock in the right protection package! All drivers must be at least 25 year old and the vehicle must be kept inside a locked garage.

How is the Value of a Car Determined?

It’s easy! Simply tell us what you believe the value to be, send us a few photos of your car, and our experts who have decades of experience will consult with you to reach the agreed value.  Once determined, that value will never be reduced unless you want it to be.  Given the rapid increases in collector car values we are experiencing, it is a good idea to periodically review and adjust the value to remain fully protected.

How Can I Use My Luxury/Supercar?

You should enjoy your car, not keep track of mileage like some program with limitations. Most of the policies we offer have unlimited miles for pleasure driving and in collector car-oriented activities. It is even OK if occasionally you drive your collector car to work to show it off to friends. However, your collector car must not be used as a daily driver. Most carriers will require you and all licensed drivers in your household to have a modern car for everyday use.

When you have your Luxury/Supercar as home, it must be kept in an enclosed, secure garage when not in use. If you are away from home, on extended outings, your car is fully protected if you must park in a hotel parking lot.

What Coverages Are Included?

Full Agreed Value Guaranteed, No Deductible in Most States, Full Comprehensive and Collision, Liability Limits Up To $1,000,000, Uninsured/Underinsured Motorist, State Required PIP as Medical Benefits, Inflation Guard Value Protection, Spare Parts Inventory Coverage up to $500, Trip Interruption up to $600, Towing and Labor up to $250, Automatic Coverage on Newly Acquired Vehicles, and More!