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Private Risk / Luxury Car Insurance

Insurance for luxury and collector cars

Luxury, exotic, and collector vehicles require a more specialized approach than standard auto insurance. Partner with a private client advisory team that coordinates coverage based on how you use, drive, and maintain your vehicles—protecting their true value.

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KNOW THE DIFFERENCE

Collector vehicles demand exceptional coverage

Standard auto policies weren’t designed for luxury and collector vehicles. Limited-production parts, exotic components, and specialized craftsmanship mean that even minor repairs can be complex and costly. Luxury car insurance reflects these realities, providing broader protection—and the right advisory relationship is equally critical.

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What standard policies often miss

  • Vehicle values that exceed standard auto policy limits
  • Limited-production parts or materials that increase repair complexity
  • Collector or restoration value that differs from typical depreciation
  • Vehicles driven occasionally or stored for extended periods
  • Owners with multiple luxury or specialty vehicles
These distinctions shape the coverage features that matter most for luxury, exotic, and collector vehicles.
VEHICLE TYPES

Your luxury and collector vehicles, covered

Luxury auto insurance is often designed for vehicles whose value, rarity, or repair requirements exceed those of standard automobiles. These programs commonly insure vehicles such as:

  • Exotic and high-performance cars
  • Luxury vehicles driven daily
  • Vintage or antique automobiles
  • Classic collector vehicles
  • Rare or limited-production cars

If your vehicle requires specialized care, it deserves specialized coverage solutions.

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COVERAGE FEATURES

Protection that moves with you

The right luxury auto insurance program gives owners control over how their vehicles are valued, repaired, and protected, with access to the specialists and resources those vehicles deserve.

Agreed value protection

Collector and exotic vehicles often require agreed value coverage, which establishes the vehicle’s value when the policy begins. If the vehicle is declared a total loss, the payout reflects that agreed amount rather than a depreciated market value.

Original manufacturer parts

Luxury and collector vehicles are often repaired using original manufacturer parts to preserve their performance, craftsmanship, and long-term value.

Choice of repair shop

Many luxury auto programs allow owners to select their preferred repair facility or dealership, so repairs are handled by technicians familiar with the vehicle.
graphic with Icon of policy in a circle

Coverage for vehicles driven occasionally

Collector cars and specialty vehicles are often driven less frequently. Policies can be structured to reflect limited use while maintaining appropriate protection.
PRIVATE CLIENT EXPERTISE

Comprehensive protection, simplified

For many high-net-worth households, luxury and collector vehicles are one of several high-value assets that require specialized protection. Discover a streamlined and coordinated approach that protects what matters most, from your home and collections to personal liability and watercraft.

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High-value home insurance

Coverage designed around the construction, value, and location of luxury homes.
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Collections and valuables insurance

Protection designed specifically for art, jewelry, wine, and other valuable belongings.
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Personal umbrella coverage

Extended liability protection that sits above underlying policies.
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Marine and yacht insurance

Coverage for yachts, boats, and other watercraft as part of a broader protection strategy.
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Frequently asked questions

From coverage details to claims support, we’ve got the answers you need to keep moving forward.

How is a luxury or collector car valued for insurance?
Unlike most vehicles, luxury and collector cars may appreciate over time or reflect restoration work, rarity, or historical significance. Because of this, standard auto policies that rely on depreciated market value may not reflect what the vehicle is truly worth.
Many luxury auto insurance programs use agreed value coverage, which establishes the vehicle’s value when the policy begins. If the vehicle is declared a total loss, the payout reflects that agreed amount rather than a depreciated estimate.
Connect with one of our private client advisors for an evaluation of your vehicles and coordination of coverage aligned with their true value.
What is agreed value coverage?
Agreed value coverage establishes a vehicle’s value when the policy begins. If the vehicle is declared a total loss, the payout reflects that agreed amount rather than a depreciated market value.
What qualifies as a collector car?
Collector vehicles typically include classic, vintage, exotic, or limited-production automobiles that hold significant value or historical interest. These vehicles are often driven less frequently and may require specialized insurance structures such as agreed value coverage.
Can collector vehicles be driven regularly?
Many collector vehicle policies allow occasional driving for leisure purposes, events, or limited personal use. The exact guidelines depend on the insurer and how the vehicle is used.
Do I need specialized insurance for an exotic or high-performance car?
High-performance and exotic vehicles often benefit from insurance designed specifically for luxury automobiles. These programs consider vehicle value, specialized repair requirements, and ownership patterns that standard auto policies may not fully address.
LATEST INSIGHTS

Guidance for luxury vehicle owners

Stay current on luxury and collector vehicle protection with insights from our private client advisors, covering specialty coverage, high-value auto care, and more.

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CONNECT WITH US

Ready for the road ahead?

Start a conversation with a luxury car insurance expert today. Together, we’ll review your vehicles, assess your current coverage, and tailor a protection strategy to safeguard your legacy.

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