Compare sports car insurance quotes

Insurers weigh up the following factors:

• Insurance group: under the new Vehicle Risk Rating (VRR) system, these are numbered from 1-99 - where cars in lower groups are cheaper to insure, with performance cars often sitting in the highest groups
• Engine size and power
• Market value and the cost of replacement parts
• Security features, such as alarms, immobilisers and trackers.

Cars with expensive or specialist parts usually cost more to insure because the parts themselves cost more, and might also be more difficult to source.

Who you are matters just as much as what you drive. Insurers consider:

• Your age, with younger drivers usually paying more
• Driving experience and claims history
• Any points or driving convictions
• Occupation, as some jobs are associated with higher mileage or risk.

Claims history is checked against the Claims and Underwriting Exchange (CUE) database, which records previous insurance claims across the industry.

Some sports cars may be cheaper to insure than those used daily. You might not pay as much if you:

• Drive fewer miles per year than average
• Only use the car for leisure, not commuting
• Keep your car off the road overnight

Don’t use the vehicle for business.

Any modifications – from performance upgrades to cosmetic changes – must be declared. Undeclared mods can invalidate cover, while declared modifications usually increase the premium because they raise repair costs or theft risk.