Few "passion assets" can rival a prestige car for your affection. Vintage or high performance, these machines have heart and soul that goes beyond financial value. Our expert advisers will help you protect your pride and joy without compromising your enjoyment of it – and if you do need to make a claim, we’ll make sure it’s quick and easy. This is not just about the financial aspect – good advice can mean the difference between your treasured car being written off versus a loving, full repair*.
Prestige Car Insurance Checklist
✓ ‘Agreed Value’ cover – so you get exactly what you’re expecting if your car is written off. You agree the sum to be settled – so if you claim, there are no quibbles, no deductions
✓ Comprehensive ‘Any Driver’ cover on your cars at your discretion
✓ Comprehensive cover when you drive other people’s cars
✓ A courtesy car like your own or a cash allowance (don’t need a courtesy car? Some insurers will waive the excess)
✓ Your choice of repairer – so you can come back to Aston Martin Works rather than an insurers network repairer
✓ Cover for travel expenses if you’re too ill to drive
✓ Personal or cherished plate cover
✓ No deduction for wear and tear on parts
✓ Unlimited lock replacement and audio cover (as included in agreed value)
✓ Personal effects cover
✓ Legal and medical expenses for road-rage and car-jacking incidents
✓ Cover for foreign trips that reflects your driving plans
✓ UK and European breakdown cover included
✓ Discounted performance driving courses, in preparation for ownership
→ The ‘Portfolio’ Effect: Enjoy better rates and cover by wrapping up homes, cars, boats and assets in a single policy.
→ Top Tip: When choosing your broker, make sure they’re independent and put them to the test – ask them for some advice!
Many general insurers don't understand that your car is more than a device to get from a to b, and in the case of an accident, most off-the-shelf policies will write your car off if the repairs come to over half the value of the vehicle...
*Case Study: A client’s DB6, inherited from his father, was insured for £100,000. On the way to a family event the DB6 was hit and damaged extensively. The insurer chauffeured the client and his wife to the event, then took the car to his preferred garage. Repairs were estimated at £110,000. Most insurers deem a car a write-off if repairs cost over 60% of its value. With a Portfolio Policy the client could choose a £100,000 cash payment – but because of the sentimental value he chose repair. The insurer paid over the Agreed Value and charged no excess as it was a total loss. The car was returned in 6 weeks in perfect order.
We understand cars hold more than monetary value - we speak your language. Talk to us now to make sense of all your personal insurance.
Download: La Playa Private Client Brochure
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“All I can say is that I am taken aback with the speed and efficiency of both La Playa and AIG. The last thing one needs after an unfortunate incident is a "hassle" and aggravation with the insurance aspect. A VERY BIG THANK YOU”
“[La Playa] did a brilliant negotiation on our behalf.”
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Careful listening to really understand your needs and priorities
As much help as you need with completing forms to provide risk information
A discreet and complimentary appraisal* to assess the risks and ensure you have the right coverage where you need it
An independent market review - so you don’t have to shop around comparing policies, cover limits, risks covered and smallprint exclusions
Careful monitoring of the carriers’ financial strength, claims and customer service
An independent recommendation of the best policy for you - and why
Specialist policy wordings from underwriters who have demonstrated excellence and deep understanding of your risk exposures. We have analyzed a wide range of policy wordings and have selected only the best for our panel. Our advisers have a deep working knowledge of these policies
*subject to insurer availability
An intelligently designed portfolio of protection across multiple asset classes, liabilities and territories
Advice on how best to manage your risks - to keep you safe but also to keep insurance costs down
A dedicated adviser so you can speak to the same person each time.
Expert guidance on valuations, security and risk management, and connecting you with specialist advisers and suppliers
Direct phone and email access to your adviser for questions and advice.
Policy documents emailed to you - no logins and passwords to remember
An advocate beside you if you make a claim - thinking laterally to mitigate the impact, making useful connections to get you back up and running, and driving through a swift financial settlement
As an independent broker, we can advise on the best policies available - and on risk management measures including valuations, security, fire prevention and property marking - preserving the value of your property and giving you complete peace of mind. We have access to excellent terms with high net worth insurers including Chubb, Hiscox and Covea.