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Prestige Motor Insurance is designed to protect high-value, luxury, performance, and prestige vehicles against financial loss arising from accidents, theft, and unforeseen events.
It provides enhanced coverage, specialist repair options, and tailored claims handling to meet the expectations of owners of premium vehicles.
Whether you own a luxury sedan, high-performance sports car, or limited-edition vehicle, Prestige Motor Insurance offers a higher standard of protection than standard motor insurance policies.
Cover Sections / Benefits Covered
Q&A – Common Questions
Prestige Motor Insurance offers higher levels of cover, specialist repairers, genuine parts, and tailored claims handling designed for luxury and high-value vehicles.
Many prestige policies allow repair by manufacturer-approved or specialist prestige repairers, subject to insurer terms.
Yes. Agreed value is commonly available, particularly for high-value, performance, or collectible vehicles.
Yes. Many policies include specific considerations for EVs, including battery systems and specialised repairs.
Prestige vehicle policies differ significantly in valuation methods, repair standards, and exclusions.
As your broker, FRS helps you:
• Structure agreed values appropriate to market conditions
• Access specialist prestige insurers and policy wordings
• Ensure repair quality meets manufacturer standards
• Manage complex claims and loss negotiations
Prestige Motor Insurance is not just about repairing a vehicle—it is about preserving value, performance, and ownership experience.