Luxury Car Insurance in Australia – Clarke Lyons Insurance

Q: What counts as a ‘luxury car’ for insurance purposes?

Luxury cars are generally high-value, prestige or rare vehicles—e.g., Porsche, Ferrari, Bentley, Aston Martin—assessed by value, exclusivity and repair costs.

Q: What is agreed-value cover and why is it important?

Agreed-value cover locks in your vehicle’s insured value at policy start. If written off, you receive the agreed amount rather than a depreciated market value.

Q: Can I choose my own repairer after a claim?

Yes. Many luxury car policies include choice of repairer so your vehicle can be repaired by a trusted specialist using genuine parts.

Q: Do you provide specialist claims support?

Yes. Clarke Lyons acts as your advocate throughout the claims process to ensure smooth handling and high-quality outcomes.

Q: How long does it take to get a quote?

Most quotes are provided within 24–48 hours once vehicle and driver details are received.

Q: How does Clarke Lyons differ from direct insurers?

As an independent broker, Clarke Lyons compares multiple insurers to secure suitable cover for your needs and provides personalised claims support.

Protect Your Prestige Vehicle with Specialist Cover

Owning a luxury or prestige vehicle is about more than just transport — it’s about performance, craftsmanship, and a passion for excellence. At Clarke Lyons Insurance, we understand the unique needs of luxury car owners and provide tailored insurance solutions that offer exceptional protection for your investment.

Why Choose Specialist Luxury Car Insurance?

Standard car insurance often doesn’t cover the true value, repair quality, or replacement needs of high-end vehicles. With specialist luxury car insurance, you can enjoy:

Agreed Value Cover – Insure your vehicle for its full agreed value, not just market value.
Genuine Parts Guarantee – Repairs using only manufacturer-approved parts.
Choice of Repairer – Work with trusted repairers who understand prestige vehicles.
New Car Replacement – For certain models within the first years of ownership.
Worldwide Cover – Optional protection for vehicles shipped or driven overseas.
Tailored Excess Options – Flexibility to match your risk preferences and budget.

Vehicles We Insure

We work with a wide range of prestige and performance vehicles, including but not limited to:

Sports Cars – Ferrari, Lamborghini, Porsche, McLaren
Luxury Sedans & SUVs – Mercedes-Benz, BMW, Audi, Bentley, Rolls-Royce
High-Performance Models – AMG, M Series, RS Series, Tesla Performance
Classic & Collector Cars – Specialised coverage for rare and vintage models

Why Clarke Lyons Insurance?

Expert Knowledge – We understand the specific insurance requirements of high-end vehicles.
Tailored Advice – Your policy is customised to your lifestyle and driving habits.
Wide Network of Insurers – Access to specialist underwriters not available to the general public.
Personal Service – Direct access to a dedicated insurance advisor.

Additional Options for Luxury Car Owners

We can also arrange complementary insurance options, including:

Track Day Cover (for approved events)
Multiple Vehicle Policies
Classic Car Collections
Cover for Modifications and Accessories

Get a Quote Today

Whether your luxury car is a daily driver, a weekend cruiser, or part of a collection, Clarke Lyons Insurance can help protect it with the right cover.

🌐 Request a Quote Online: Contact us

FAQ – Luxury Car Insurance

Q1: What counts as a ‘luxury car’ for insurance purposes?
A: Generally, vehicles with higher market value, advanced technology, exclusivity, or prestige (e.g. Porsche, Ferrari, Bentley). Insurers typically classify based on value, rarity, and replacement cost.

Q2: What is agreed-value cover and why is it important?
A: Agreed-value cover locks in the insured value at policy inception—meaning in a total loss you receive the predetermined sum rather than a depreciated market value. Essential for protecting high-value vehicles.

Q3: Can I choose my own repairer after a claim?
A: Yes. Many luxury car policies include “choice of repairer,” allowing you to nominate a specialist repairer you trust for high-quality vehicle care.

Q4: Do you provide specialist claims support?
A: Absolutely. As a brokerage experienced in luxury vehicle insurance, Clarke Lyons offers tailored claims handling to minimise disruption and ensure high-quality outcomes.

Q5: How long does it take to get a quote?
A: Typically a fast turnaround—often within 24–48 hours after we receive key details about your vehicle and coverage needs.

Q6: How does Clarke Lyons differ from direct insurers?
A: As an independent broker, Clarke Lyons works for you—not the insurer. We seek the best terms across multiple markets, deliver unbiased advice, and provide personal service and advocacy during claims.

Let’s Work Together

Get in touch so we can start working together.