Specialist Motor Insurance from £45/month
From £45/month. Compare specialist motor insurance from 200+ UK insurers. Tailored cover, free quotes in minutes. FCA regulated broker since 1983.
Drivers and owners who struggle with standard insurers need a broker to approach specialist motor markets that underwrite individually. Third-party cover is a legal minimum under the Road Traffic Act 1988. The gap we see most is modifications or convictions not disclosed, which can lead to a claim being refused.
Cover this trade usually needs
| Cover | Why it matters | Typical limit |
|---|---|---|
| Comprehensive | Damage to your own vehicle plus third-party liability | Market or agreed value |
| Third party, fire and theft | Legal minimum plus fire and theft | Third-party liability as required by law |
| Agreed value | Classic, modified or rare vehicles | Value agreed in advance |
Key risks
- A modification is not declared and a claim is reduced.
- A conviction makes standard insurers decline.
- An imported vehicle has no UK valuation.
- Business use is not covered on a social-only policy.
Regulations and licences
- Road Traffic Act 1988 — compulsory third-party insurance.
- Disclosure duties when buying insurance.
What we check before quoting
- Vehicle, value and modifications.
- Driving history, convictions and claims.
- Use — social, commuting or business.
- Where the vehicle is kept overnight.
Gaps we see most often
- Modifications undeclared.
- Wrong class of use.
- Market value cover on a hard-to-value vehicle.
Limits clients and contracts usually ask for
- Third-party liability as required by law; property damage limits set by the insurer.
Key facts and sources
- Section 143 of the Road Traffic Act 1988 makes it an offence to use a motor vehicle on a road without third-party insurance. legislation.gov.uk — Road Traffic Act 1988, s143
Common questions
- Can I get insurance with a conviction?
- Often, yes, through specialist markets. Premiums and excesses depend on the offence and how recent it was.
- Do I need to declare modifications?
- Yes. Undisclosed modifications are a common reason for claims being reduced or refused.
- What is agreed value?
- A value fixed when the policy starts, useful for rare or modified vehicles.
Specialist motor cover from a specialist UK broker
Premier Insurance arranges Specialist motor cover for businesses across the UK. As an independent broker established in 1983, we compare quotes from over 200 specialist UK and Lloyd's of London insurers — AXA, Aviva, Allianz, Hiscox, Zurich, RSA, QBE, Beazley, Markel, Arch and Chubb — to find the right combination of price, cover and claims service for your operation. Speak to a real broker on 020 8908 2426 or message us on WhatsApp 07954 331362.
What specialist motor cover typically includes
- Public liability — third-party injury or property damage claims, typically £1m–£10m of cover
- Employers' liability — legally required if you employ staff, £10m minimum
- Professional indemnity — where applicable, protecting against allegations of negligent advice or service
- Contents, stock and equipment — fire, theft, accidental damage and breakdown
- Buildings cover — if you own or are responsible for the premises
- Business interruption — loss of income while you can't trade
- Product liability — claims arising from goods supplied
- Cyber liability — increasingly essential for any business taking card payments or storing customer data
Why brokered cover beats price-comparison sites
Comparison sites push you toward the cheapest premium, not the policy that pays. Premier's brokers read the policy wording, flag exclusions before you buy, and fight your corner at claim time. Rated 4.9 on Google · 100+ reviews, and a full BIBA member. For a tailored specialist motor quote, request a callback or email hello@premier-insurance.co.uk.
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Speak to a UK insurance broker
Our brokers are available Monday to Friday 9am to 5:30pm. Call 020 8908 2426, message us on WhatsApp 07954 331362, or email hello@premier-insurance.co.uk. Visit our office at 49 Grosvenor Street, London W1K 3HP. You can also request a callback or learn more about our team.