In the last twenty years, the number of bespoke and specialist types of vehicle insurance has increased immensely. In addition the number of categories for particular vehicle and drivers has risen.

The following is a list showing many varieties of car insurance categories that are tailored to individuals with different needs. Generally speaking, a specific and tailor made insurance quote designed for a particular type of vehicle or driver will be less than that of covering that vehicle or driver via a standard policy due to the high volume of cover issued by any insurer in that bracket.

Different car insurance categories are made up of the following:

• 4×4 vehicles;
• Convicted and banned drivers;
• Agreed vehicle value insurance;
• Imported vehicles;
• American vehicles;
• Bentleys;
• Aston Martin;
• Classic cars;
• Bugatti;
• Performance cars;
• Young drivers;
• Female drivers;
• TVR’s
• Rare and unlisted vehicles;
• Quad bikes;
• Modified vehicles;
• Over 50 year olds;
• Rolls Royce;
• Sports cars;
• Short period cover;
• Rental cover;
• Porsche;
• Minibusses;
• McClaren;
• High risk occupation;
• Lamborghini;
• Fleet vehicles;
• Private hire;
• Taxi insurance;
• Kit cars;
• Lamborghini;
• Driving instructors;
• Ferrari;
• Disabled drivers;
• Company cars;
• Grey imports;
• Hot hatches;
• Motor trade insurance;
• Limited mileage insurance;
• Eco driving insurance;
• Multi-car insurance;
• Foreign drivers.

The above list shows examples of special circumstances and requirements from different drivers; however the list is not exhaustive but aims to give an idea of the many various specialist insurances available to clients.

While these bespoke policies can be beneficial to those that fall into these brackets, they are only beneficial to those certain vehicles or drivers. For a typical vehicle, standard insurance will likely be both higher value and certainly result in lower premiums.

The benefits of using specialist insurance for any of the above categories can be numerous. These range from discounts for certain types of driver to low premiums for high risk or valuable car types. Insurers bracket car types by using variables such as the damage of parts and costs involved, repair times, car value, performance and car security. If all of these are relatively low the vehicle will be classed in a low group insurance bracket. This means that each model of vehicle can be accurately grouped with vehicles of similar characteristics and a fair policy be granted for similar vehicles.

Due to there being so many variables in owning different types of vehicle, from different driver situations and the number of insurance providers, the combinations of cover are almost limitless. It is for this reason that car insurance has so many categories within the sector and that there are so many bespoke solutions. This results in financial benefits to clients with lower premiums by using bespoke policies.

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1. High Performance Car Insurance
2. A Quick Guide to Prestige Car Insurance
3. Specialty Car Insurance
4. Car Insurance for the Under 25 Age Group
5. An Introduction to Fleet Car Insurance