Best UK Insurance Brokers & Specialists for Exotic / Supercars

Owning an exotic or supercar in the UK is a dream come true, whether it’s a Ferrari, McLaren, Lamborghini or Aston Martin. These vehicles represent the pinnacle of design and performance, but they also require more than just a standard car insurance policy. Exotic cars come with higher values, unique risks and specialist needs that most mainstream insurers aren’t set up to handle. That’s where supercar insurance brokers for exotic cars and supercars step in.

We’ll look at why you need a tailored policy and what to consider when choosing a broker in the UK.

Why Exotic Cars Require Specialist Insurance

Insuring an exotic or high-performance car is very different from insuring your everyday family hatchback. Premiums are calculated using factors such as the car’s value (often in excess of £100,000), where it’s stored, mileage and the driver’s age and experience. More importantly, supercars often have:

• High replacement and repair costs due to rare parts and specialist servicing.
• Unique risks, such as track day use or modifications.
• Limited availability, making agreed value policies essential to avoid underpayment in the event of a claim.

A regular insurer may struggle to provide the cover an exotic car truly needs, this is why it’s essential to use a specialist broker who understands performance and prestige vehicles.

What to Look For in an Supercar Insurance Brokers

Before choosing a broker, you should consider:

• Experience with high-value cars: Not every insurer understands the market for a Lamborghini Huracán or Rolls-Royce Phantom.
• Policy flexibility: Features like agreed value cover and multi-car policies.
• Customer service: Quick claim handling is critical for exotic car owners.

A good broker will take the time to understand what it is you need and provide a policy that’s suitable for your needs.

Leading UK Exotic & Supercar Insurance Brokers

Several brokers in the UK stand out for their expertise in exotic and high-performance cars. These firms have years of experience, access to specialist underwriters and a track record of dealing with modern supercars.

• Adrian Flux: Known for flexible policies covering modifications and imported cars.
• Lockton Performance: Offers tailored solutions for high-end performance and luxury vehicles.
• Footman James: Experienced with both classic and exotic models, with strong heritage links.
• Grove & Dean Private Clients: Provides concierge-style service and prestige insurance.
• A-Plan Specialist Division: Trusted for bespoke cover across a wide range of high-value vehicles.

Let’s take a closer look at some of the best options.

Adrian Flux & Lockton Performance

Adrian Flux is one of the UK’s largest supercar insurance brokers. Their exotic and supercar policies often include:

• Cover for modifications and custom work.
• Agreed value options to protect against depreciation disputes.
• Flexible excess levels and mileage-based premiums.

They’re especially strong for owners of imported supercars or those who enjoy track days.

Lockton Performance focuses on high end clients and has long standing relationships with luxury car clubs. Their policies are designed with prestige vehicles in mind and they offer:

• Access to exclusive underwriters not available to the general public.
• Cover tailored for collections, second homes and international usage.
• Highly personalised service with a dedicated account manager.

If you value discretion and tailored solutions, Lockton is one of the best in the market.

Footman James & Grove & Dean

Footman James has a strong reputation for insuring classic and exotic cars, making them a great choice for collectors. They offer:

• Multi-car and collection policies.
• Classic exotic cover for models such as older Ferraris, Lamborghinis and Porsches.
• Club membership discounts (they work closely with many UK car clubs).

Grove & Dean Private Clients provide a white-glove service aimed at wealthy individuals. Their policies can include:

• Concierge claims handling.
• Agreed value and guaranteed repairer schemes.
• Global coverage for those who drive across Europe or beyond.

They are particularly suited to clients who want more than just a standard policy and who expect VIP-level service.

How to Choose the Best Exotic Car Broker for You

The “best” exotic car insurance broker depends on your circumstances. If you own a single modern supercar, Adrian Flux may offer the most flexible deal. Collectors with multiple classics may find Footman James more competitive. If you want high-end, concierge-style service, Grove & Dean or Lockton Performance could be the right fit.

The key is to get multiple quotes and compare things such as the price, the level of cover and the claims service. Remember: with exotic cars, underinsurance or poor claim handling could cost you tens of thousands of pounds.

Final Thoughts

Insuring a supercar in the UK isn’t just about ticking a box, it’s about protecting your investment with the right broker and the right policy. Specialist brokers like Adrian Flux, Lockton Performance, Footman James, Grove & Dean and A-Plan all bring different strengths to the table. However they share one thing, experience in handling exotic and prestige vehicles.

If you’re considering buying a supercar or if you want to review your current cover, take the time to explore these brokers. With the right protection in place, you can enjoy your exotic car on the road, track or show circuit with complete peace of mind.