Facebook Audience Pixel

Prestige Insurance: Car and Home

High Value Prestige Car and Home Insurance


Heritage Insurance have been providing and approving
classic car insurance for car enthusiasts for over 50 years. Since 1965, our expertise have helped the classic motorist cover their vehicles for most eventualities with bespoke insurance policies. We understand that there are some vehicles that are not only considered a classic but are also considered prestige. These vehicles are incredibly special and with a high value attached to them, owners require specialist cover that an average insurer cannot provide. Heritage are not your average insurer. We also understand that a prestige vehicle owner will also have prestige contents within their home and this can be added onto your prestige policy as well.

Prestige cars are defined by their supreme class and value but also by the owner. We insure the car and the driver when drawing up our policies. Our dedicated team are available to talk you through the details and requirements. Get a quote from us today on 0121 248 9229 or complete the contact form below to request a call back.

Prestige Car Insurance with Heritage Insurance

What is Prestige Car Insurance? 

Prestige car insurance is cover for classic cars that are worth £75,000. Due to the high value of these cars, specialist cover is needed for owners. Parts for these are usually of the highest specifications which results in a very powerful car. With such expensive parts, even the smallest of accidents can turn into a very expensive insurance claim. As these cars are so well loved and admired, there is a greater risk of theft involved. So if you have an Aston Martin DB5 or even the new Pagani Zonda Huayra, then Heritage has the right cover for you.

To see if your classic car is considered a prestige vehicle, head over to our vital statistics page with our list of cars that we have covered.

Bespoke Prestige Car Insurance Covers:

  • Comprehensive ‘Driving other Cars’ extension for the policyholder and spouse
  • Similar courtesy car for any loss to your vehicle, subject to a maximum benefit of £4,000 for any one loss
  • No deductions for wear and tear (excluding tyres)
  • European Breakdown included as standard, plus home start
  • Uninsured loss recovery included as standard
  • Unlimited glass cover
  • Unlimited lock replacement
  • Unlimited electrical equipment
  • Loss of personal effects from a vehicle up to £1,000
  • Agreed value for all cars
  • New car replacement available if your car is less than 12 months old
  • Repairer of your choice
  • Loss of driving licence cover, up to £150 per week (max 52 weeks) * subject to conditions
  • Cover for inability to drive due to ill health (registered conditions), up to £2,000 for 12 months *
  • No limit on EU travel for number of trips.  (but an individual trip limit)

Home contents are worth over £100,000

Speak to us about high value home insurance, if you’re home contents are worth over £100,000.
We can bring a multitude of benefits to you with our prestige insurance policy. We speak to a panel of the UK’s leading home insurers. These home insurers have an award winning claims service that comes with a 24 hour UK based helpline.

High Value Home Insurance

We will protect you for specific high value possessions, whether it be fine art, jewellery and even gifts. All risks are covered, this includes all items outside the boundaries of your property. Whether it be your annual travel, mobility scooter and golf buggies. Should the unforeseen happen, our property owners liability covers injury by you or your property.

We also offer portfolio policies which combine home, motor, holiday home and other properties and travel all into one prestige insurance package. Simply speak to your personal client manager who will tailor the insurance to your needs. They will remain your one point of contact throughout your time here with Heritage Prestige Insurance.

Our prestige insurance rates are not available online, as our quotations are underwritten on an individual basis. You can call us on 0121 246 8646 and speak to your personal client manager.

Insure your prestige home contents and benefit from:

  • Your own Personal Client Manager
  • UK’s leading motor insurers
  • Award winning claim service
  • Portfolio policies are available combining home, motor, holiday home and other properties and travel all on one contract
  • Panel of the country’s leading home insurers
  • Interest free direct debit
  • Award winning claims service
  • 24 hour UK based helpline
  • Claims Concierge Service available for properties with over £150,000 contents
  • Alternative accommodation if your home is rendered uninhabitable for up to 3 years
  • 5 star Defaqto rated
  • Worldwide cover automatically included
  • All risks
  • Home Emergency
  • Metered water, oil or gas
  • Single item limit of £15,000, jewellery £5,000
  • Increase in art value after the death of an artist
  • Cover for students possessions
  • Cover for parents and grandparents whilst in a care home
  • Outdoor items included
  • Hole in One – Insurers will pay up to £500 for drinks at the 19th hole
  • Free surveys are available for properties with over £150,000 contents
  • Identity theft
  • Executive Yellowtag
  • Additional properties can be included
  • Annual travel – Winter sports available
  • Mobility scooters and golf buggies
  • Quad bikes, watercraft, non-motorised horseboxes and trailers can be included
  • Family legal protection provided
  • Identity theft
  • Discounted rates for Home sitting Service
  • £10,000 for Wedding, Christmas and other gifts
  • Clerical work from home, with £20,000 for office equipment at the home
  • Property owners liability

Other Policy Options and Benefits

Comprehensive ‘Driving other Cars’ extension for the policyholder and spouse

Free Agreed valuation and certificate – We arrange a specialist insurance scheme which offers you a free agreed value alongside your policy. Should the worst happen and you find yourself with a total loss claim, we will pay you the agreed amount of the vehicle less the policy excess.

Loss of driving licence cover, up to £150 per week (max 52 weeks). Loss of personal effects from a vehicle up to £1,000

Similar courtesy car for any loss to your vehicle, subject to a maximum benefit of £4,000 for any one loss. New car replacement available if your car is less than 12 months old

Uninsured loss recovery included as standard

Unlimited glass cover
Unlimited lock replacement
Unlimited electrical equipment
No limit on EU travel for number of trips (but an individual trip limit)

Cover for inability to drive due to ill health (registered conditions), up to £2,000 for 12 months

No deductions for wear and tear (excluding tyres)

European Breakdown included as standard, plus home start

Request a Callback

Please fill out the form below and we'll endeavour to respond to you as soon as possibile.

Customer Reviews

view all