Car Insurance

Performance Direct arranges car insurance with insurers offering different levels of protection.

Cover options include comprehensive, third party fire and theft and third party only. Comprehensive policies generally include accidental damage to your vehicle as well as fire, theft and third party liability. Optional extras such as breakdown cover, legal expenses or protected no claims discount may be available, subject to insurer terms and eligibility criteria.

Performance Direct arranges insurance for modified vehicles through insurers used to handling non-standard specifications.

All modifications must be declared, including performance upgrades and cosmetic alterations. Insurers assess each change individually and calculate premiums based on value, power output and overall risk profile. Failure to disclose modifications may affect claims or policy validity. Acceptance and terms depend on underwriting criteria.

Insurance can be arranged for high performance and specialist vehicles through insurers familiar with performance models.

Quotations are based on driver history, vehicle value, usage, mileage and security arrangements. High horsepower or turbocharged cars are assessed individually rather than under standard rating structures. Suitability depends on the insurer’s criteria and the specific vehicle specification declared at quotation stage.

Car insurance premiums are calculated using what’s called ‘risk based statistical modelling’.

Insurers consider factors such as age, postcode, driving history, claims record, annual mileage, vehicle type and declared modifications. Higher value or higher performance vehicles may attract increased premiums. Voluntary excess selection and approved security devices can influence pricing, subject to insurer methods and underwriting guidelines.

Insurance may be available for younger or newly qualified drivers, subject to insurer approval.

Premiums are often higher due to statistical claims risk. Pricing depends on licence type, driving experience, vehicle group and declared usage. Selecting a lower insurance group car and adding suitable named drivers may influence the quotation, provided underwriting requirements are met.

Driving other cars is not automatically included on all comprehensive policies.

Where available, it is usually provided on a third party only basis and subject to strict eligibility criteria. Age, occupation and insurer requirements may apply. Policyholders should always check their certificate of motor insurance and policy wording before assuming this extension applies.

Any changes to your vehicle must be declared during the policy term.

This includes performance upgrades, cosmetic alterations, wheel changes or security modifications. The insurer may adjust the premium or amend terms following notification. Failure to disclose changes could affect claims or lead to policy cancellation. Acceptance depends on underwriting criteria at the time of amendment.

Protected no claims discount may be available as an optional extra.

This can allow a limited number of fault claims within a defined period without reducing the discount level itself. However, premiums may still increase following a claim because insurers reassess overall risk. Availability and conditions depend on the insurer selected.

Additional named drivers can usually be added, subject to insurer approval.

Each driver is assessed individually based on age, driving history and claims record. Their details may increase or reduce the premium depending on risk profile and intended usage. All named drivers must meet underwriting criteria and be genuine users of the vehicle.

Performance Direct car insurance is arranged for drivers seeking cover beyond standard motor insurance options.

It may be appropriate for owners of performance, modified or specialist vehicles where individual underwriting assessment is required. Each policy is arranged based on driver profile, vehicle specification and declared usage, subject to insurer criteria and acceptance.