Collector & High-Value Cars

Collector and high-value cars are insured on a different basis from an ordinary motor policy. The question is not the statutory third-party minimum but the value of the car: agreed rather than market value, restoration and spare parts, transport to shows and between countries, garaging and the limited mileage these cars actually do.

In Portugal and Spain the damage cover for these cars is usually written separately from the compulsory liability, sometimes in the London market, and the conditions on registration, mileage and storage matter. The articles below explain how a collection is insured, how agreed value works and what to check before moving a car across a border.

Looking for a quote rather than a read? See our classic & high-value car insurance page.