The Types of Specialist Motor Insurance
Our team at Riveria Insurance are here to break down the specialist types of motor insurance. We cover what the insurance is, what it usually covers, and who it is for.
Sports and Performance Car Insurance
Sports and Performance Car Insurance Policies for those who own performance vehicles. These vehicles often come with modifications or powerful engines that standard insurers may not accommodate. This is where this specialist car insurance comes in.
Cover includes protection for modifications, enhanced performance risks, cosmetic upgrades, and track day usage (where specified). Policies also allow for agreed value.
This is for drivers of sports cars or modified vehicles who need insurance that matches the performance and value of their car.
Convicted Driver Insurance
Convicted Driver Insurance are policies for drivers with previous motoring convictions.
This type of specialist motor insurance provides legal cover for those with past driving offences, including speeding, drink-driving or disqualification. It includes third-party, fire and theft, or comprehensive options. Some policies may also include legal protection and rehabilitation support.
This policy is ideal for drivers with convictions on their record who still need affordable, legal car insurance. It helps individuals rebuild their driving history and regain confidence on the road.
Motorhome Insurance
Motorhome Insurance comes with its own set of needs, risks, and securities. Motorhome insurance is tailored to those needs, allowing you to drive and live in your motorhome without issue.
This insurance covers road use, vehicle contents, awnings, gas bottles, and equipment inside the motorhome. It also includes European cover and campsite liability. Optional extras include breakdown and excess protection insurance.
It’s ideal for individuals or families using their motorhome for holidays, road trips, or extended travel across the UK and Europe.
Guaranteed Asset Protection (GAP) Insurance
GAP Insurance is specialist car insurance for those looking to secure the value of their vehicle against not only potential loss, but also the potential loss in value for their vehicle over time.
GAP insurance covers the shortfall between your car’s market value (paid by your insurer if it’s written off) and what you originally paid or still owe on finance. It ensures you’re not out of pocket in the event of total loss.
GAP cover is recommended for new car buyers, especially those using finance or leasing options, who want to protect against depreciation.
Short-Term Car Insurance
Exactly what it says on the tin: short-term car insurance is a short-term contract for temporarily owned, borrowed, or rented vehicles. This specialist car insurance helps people avoid lengthy and restrictive contracts.
This flexible specialist car insurance provides temporary cover from one day to one month. It includes third-party liability and often includes theft and accidental damage. Some policies include breakdown cover or cover for driving abroad.
Best suited for occasional drivers, those borrowing a car, test-driving vehicles, or covering short-term use like moving house or visiting family.
Van Insurance
Van Insurance covers vans, specifically. Vans are often used for business purposes, requiring different protection than personal vehicles. As such, van owners need a policy that is ready to meet those circumstances.
Van insurance includes goods in transit, public liability, theft of tools or stock, and optional breakdown cover. Policies can be tailored for private or commercial use, and even named driver or fleet options.
Ideal for tradespeople, delivery drivers, small businesses or anyone using a van for personal or commercial transport.
Breakdown Insurance
Most car insurance policies stop at accidents. Breakdown insurance exists to help you with the unexpected costs that occur when a vehicle breaks down, no matter why.
Breakdown cover offers roadside assistance, vehicle recovery, home start, and onward travel. Some policies include cover across Europe and overnight accommodation.
Essential for any driver who wants to avoid the hassle and high cost of breakdowns, especially those who drive frequently or long distances.
