We often plan for the big milestones, buying a home, investing in a dream car, getting married, or saving for retirement. But there is one crucial piece of the puzzle that many people overlook until it is too late: Lasting Power of Attorney (LPA).

While it isn’t always the most comfortable topic to discuss, appointing an LPA is one of the most selfless and practical things you can do for yourself and your family. It ensures that if life takes an unexpected turn, the people you trust most are empowered to look after you.

The Risk of Playing the “Wait and See” Game

The most common misconception about an LPA is that you only need one when you are elderly. In reality, mental incapacity can happen to anyone at any time due to a sudden illness or a serious accident.

If you haven’t appointed an attorney and you lose the capacity to make your own decisions, your loved ones don’t automatically get the right to step in. Instead, they may have to face the Court of Protection. This process is:

• Expensive: Legal and application fees can run into thousands of pounds.
• Time-Consuming: It can take many months to resolve, leaving your finances in limbo.
• Impersonal: The court, not you, ultimately decides who is appointed to manage your affairs.

Financial Security and Personal Wellbeing

An LPA isn’t just about “who gets the money.” It is divided into two distinct areas to ensure total coverage of your life:

1. Property and Financial Affairs: This allows your chosen attorney to manage your bank accounts, pay your mortgage, or even sell your property if necessary.
2. Health and Welfare: This covers your daily routine, medical care, and even critical decisions regarding life-sustaining treatment.

By setting these up now, you are providing a roadmap for your family, removing the guesswork and the burden of difficult decision-making during an already stressful time.

Expert Guidance with VINTTRO

As a lifestyle brand, we are dedicated to providing premium services that seamlessly integrate with your way of life. We believe planning for the future requires more than just filling out forms; it demands the professional touch of centuries of expertise. If you require assistance with LPAs, Wills, or probate, we have the perfect partner in VINTTRO a prestigious law firm with a heritage spanning hundreds of years, ensuring your legacy is held in the safest possible hands.

Don’t be tempted by the “budget” services often advertised on social media, as these can leave you legally exposed. Just like your Will, we believe an LPA should only be handled by a qualified solicitor. To put it simply: you wouldn’t take a Bugatti to a Ford dealership for a service! Your legal security deserves that same level of specialised, high-end expertise.

LPA Q&A: Everything You Need to Know

What is a Lasting Power of Attorney (LPA)? A Lasting Power of Attorney is a legal document that lets you (the ‘donor’) appoint someone as your ‘attorney’ to help you make decisions for you or on your behalf. There may be a time when you are considered to lack ‘mental capacity’ and need someone to make decisions for you.

What is Mental Capacity? Mental capacity means your ability to understand information and make decisions about your life. Having mental capacity means you can make your own decisions and understand the consequences of those decisions.

Why a Lasting Power of Attorney (LPA)? They are very important documents. They allow you to choose someone you trust to make decisions on your behalf if something happens, such as an illness or accident and you are unable to make decisions for yourself. They are excellent documents as a way of planning ahead for the future for you and your loved ones.

What happens if I don’t have a Lasting Power of Attorney (LPA)? If you lose mental capacity and do not have an LPA in place, someone wishing to act on your behalf will need to apply to the Court of Protection to be appointed as your Deputy. Your Deputy will then be able to make decisions on your behalf. This can be a lengthy and expensive Court process. You also do not get to choose who you want your Deputy to be.

What is a Financial Lasting Power of Attorney (LPA)? Under a Property and Financial Affairs LPA, your attorneys can make decisions on your behalf, about things like dealing with your banks, building societies and utility providers, or even selling your home.

Does a Lasting Power of Attorney (LPA) cover Health and Welfare? It can, if you also make a Health and Welfare LPA. Under a Health and Welfare LPA, your attorneys can manage your everyday medical and personal care decisions, such as the care and support you receive. You must also choose whether your attorneys can give or refuse consent to life-sustaining treatment on your behalf.

What is Life-Sustaining Treatment? This is any treatment that aims to prolong your life without changing the underlying medical condition. For example, life-sustaining treatment can be antibiotics if you have pneumonia to lifesaving surgery such as a heart bypass.

Who decides if you have Mental Capacity or not? When entering a LPA, an independent Certificate Provider must sign the document. This Certificate Provider is an independent person who will confirm that you are making the document of your own free will, without pressure and you understand the implications of what you are doing – with the mental capacity to do so.

Is a Lasting Power of Attorney (LPA) valid after death? No, a Lasting Power of Attorney ends when you pass away. The attorneys can no longer manage your affairs. With this in mind, it is important to have a Will in place to ensure your affairs are looked after when you have passed away.

Are Enduring Powers of Attorney (EPA) still valid? Yes, if you signed your EPA before the 1st October 2007. These documents were then replaced by a Lasting Power of Attorney (LPA). However, it is very important to have this document reviewed as EPAs are only valid for property and financial matters and must be registered if the donor is losing or has lost mental capacity.

Your Lifestyle

Your lifestyle is important, you’ve earned it, so make sure it’s protected. If you require any legal services, we’re here to support you – Call us now: 0333 4042 008.

If you’re driving a performance car, a limited-run modern classic, or a vehicle that has seen a significant amount of “garage love,” your biggest risk isn’t just a rogue shopping trolley or a roadside mishap, it’s the “market value” Trap!

It’s More Than A Car

For VINTTRO members and policyholder’s, a car is rarely just a machine. It’s an entry ticket to a unique way of life, one defined by early morning starts for social meets, the camaraderie of the community, and the painstaking hours spent on restoration to ensure every nut and bolt is period-correct. However, most standard insurance policies are designed for the average commuter car. When those “off-the-shelf” policies meet the reality of the performance car world, owners often find themselves thousands of pounds out of pocket.

The Problem: The “Market Value” Myth

Most mainstream insurers use “Market Value” to determine your pay-out. In their eyes, your car is simply a set of data points: make, model, year, and mileage.

Why this fails the enthusiast lifestyle:

• The “Condition Gap”: An algorithm doesn’t know if your car has a full specialist service history or that it’s been ceramic coated and stored in a climate-controlled garage. It sees a 10-year-old car and pays out the “average” for a vehicle that might have lived a much harder life.
• The Restoration Reality: If you’ve spent months (or years) restoring your car to concours or “better than factory” condition, a standard policy won’t recognise that sweat equity. “Market Value” ignores the premium that a meticulously restored car commands.

The Replacement Struggle: If your car is a total loss, “Market Value” might cover a standard version of your model, but it won’t cover the cost of finding another one with the same provenance that allows you to pull up to a community meet with pride.

Protecting the Lifestyle

At VINTTRO, we know that your car is the cornerstone of your social life. Whether you’re grabbing a coffee at a Sunday morning meet or sharing advice on a forum about a specific part, the value of that car isn’t just in its parts, it’s in the community it connects you to.

If you are underinsured, a claim doesn’t just take your car; it takes you out of the driver’s seat of your favourite hobby. Agreed Value ensures that if the worst happens, you have the funds to get back into the community without missing a beat.

Agreed Value – The Solution

We advocate for Agreed Value, a pre-determined sum that you and the insurer agree upon at the start of the policy. If the car is stolen or written off, that is the exact amount you receive. No haggling, no depreciation, no “computer says no.”

The Benefits of Agreed Value:

1. Certainty: You know exactly what your “worst-case scenario” payout looks like.
2. Protection of Passion: It accounts for the rarity, the professional restoration work, and the condition that standard guides ignore.

Speed: Because the value is already set, the settlement process is significantly faster, getting you back into a replacement car and back to the social meets you love.

How to Fix Your Protection

If you suspect you’re currently underinsured, here is how you can move to an Agreed Value setup with VINTTRO Cover:

• Evidence Your Passion: We don’t just take a number out of thin air. We ask for high-quality photos (the “Hero Shot,” the interior, and the engine bay) and a list of restoration work or significant maintenance.

The “Annual Review” Rule: The performance and car investment market is dynamic. Just because £50,000 was right last year doesn’t mean it is today. We can help our members review their values at renewal to ensure the market hasn’t left them behind.

The VINTTRO Cover Difference

Standard brokers sell policies; we protect a way of life. We understand that a performance car’s value isn’t found in a trade-in guide, it’s found in the details, the history, and the joy of being part of the community.

Don’t wait for a claim to find out your car (and your lifestyle) was undervalued. Let’s get your “Agreed Value” locked in.

Ready to update your valuation? Call us on 0333 4042 007, we’ll be delighted to help.

VINTTRO Cover is a trading style of Sona Insurance Solutions Ltd. VINTTRO Limited is an Appointed Representative of Sona Insurance Solutions Limited who is authorised and regulated by the FCA under reference number 927990.

Welcome to the VINTTRO Member Interview!

At VINTTRO, we’ve always known that our community is built on more than just high-octane fuel and polished chrome; it’s built on people. Our members and clients are a unique breed: a vibrant mix of passionate enthusiasts, savvy business leaders, and many visionary entrepreneurs who apply the same drive to their professional lives as they do to their car collections.

We are thrilled to launch our Member Spotlight Series. This is our way of celebrating the diverse community we protect. Every month, we’re pulling back the curtain to feature the fascinating individuals behind the wheel, exploring how they’ve turned their personal drive into professional success.

Each edition of our Member Spotlight will highlight the extraordinary life journeys of our members.

To kick off the series, we are delighted to introduce a face very familiar to the VINTTRO family, our Broking Director and Co-owner.

We hope you enjoy the journey!

Tell us a bit about yourself, starting with your name:

Jason Balls.

Where are based. and what does a typical day look like for you?

I’m based in Mistley, Essex and my typical day as Broking Director is helping our customers with all of their specialist Personal & Commercial insurance requirements.

The First Pay check: What was your very first job, and how did your career path evolve into what you do today?

My first full time job was a Trainee Heating Installation Engineer which I quickly realised was not a strength after 6 months, but since then I’ve always worked in the insurance industry.

What was the “spark” that led you into your current industry?

When I was 17 I started work at Hambro Legal Protection where I was trained up as an Uninsured Loss Recovery Claims Handler.

Company Info. What is the company name you work for now, and what position do you hold?

I am a Co-owner and Broking Director of VINTTRO Ltd.

What services do they provide, and what is the website address?

We are a comprehensive lifestyle brand dedicated to supporting our personal and commercial clients through every stage of asset ownership. From niche car insurance and asset funding to vehicle storage, transportation, and expert claims management, we provide a seamless ecosystem of protection and professional services.

www.vinttro.co.uk

The Automotive Obsession

What age were you when you first realised you’re a petrolhead?

I was 16 years old when I found my love for motorbikes and cars.

What was the first car you ever owned, and how much did you pay for it?

My first car was a T Reg mark 1 Ford Fiesta 1300 Ghia which I paid £1100.

What cars do you currently own (including your daily driver)?

I currently own a Porsche Cayenne and 2025 BMW Z4.

Which car do you most regret selling or losing?

My 1989 Vauxhall Nova GTE and my 1994 Vauxhall Calibra, see below.

If money and garage space were no object, what is your ultimate “dream” car and why?

Aston Martin DBS and an Audi Quattro Turbo.

Describe your ideal Sunday morning drive, where are you going, and what’s playing on the radio?

Along the coast, roof down, listening to Dakota by the Stereophonics.

Manual or Automatic?

Depends on the car and drive.

Electric cars – Yes or No? (Give reason)

Not for me – I’m all for protecting the environment but EV’s have no soul or driver connection in my opinion.

Hard Roof or Convertible or both?

Both – again depending on the car, but there’s nothing like a the hood down, shades on when touring Europe in the sunshine.

Track Day or Weekend Cruise?

Weekend cruise all day long.

What is one piece of advice you’d give to someone looking to buy their first classic/performance car?

Do your research and seek professional advice but most of all make sure you get the right insurance protection.

Finally, Beyond the Car Obsession

When you aren’t behind the wheel or under a hood, how do you spend your time? (Hobbies, other interest’s etc).

Riding my Harley Davidson Heritage Classic with my wife, I love travelling, snowboarding, walking our black lab Hugo and I’m a passionate supporter of Manchester United.  

Thank you Jason!

If you would like to take part in the VINTTRO Member spotlight series, please email us at info@vinttro.co.uk and we’ll be in touch.

Insurance Comparison Sites: The landscape is constantly evolving, with new technologies and distribution channels emerging all the time. But for a niche insurance broker like VINTTRO Cover, the traditional methods of comparison and aggregator sites have never truly hit the mark.

Our client base, with their unique requirements and valuable assets, values personal service and expertise over rock-bottom prices. Here is why the “aggregator era” might be reaching its sunset, and what the future looks like for specialists.

Personalised Advice for Unique Assets

Many of our clients would not contemplate using comparison sites when owning a niche vehicle like an iconic classic car, a serious car collection that serves as an investment portfolio, a heritage property, or a complex business that actually requires a conversation.

These assets require specialist insurance that can only be found through direct contact with a broker who understands the nuances and risks involved. They need tailored advice and coverage that a “one-size-fits-all” algorithm simply cannot provide.

Value and Service Over “The Cheapest Price”

We see insurance comparison sites as the platform for those who buy insurance based solely on the lowest number, often with very little concern for the service provided. But we have to ask: where did you purchase your last “cheapest” product, and more importantly, did you ever have to make a claim on it?

The true value of insurance isn’t found in the checkout basket of a comparison site; it’s found in the claims process. Many who chase the lowest premium via an aggregator find themselves stranded in a call-centre loop when things go wrong. 

Our clients are willing to pay for quality coverage, knowing they will be supported by a human expert in their time of need. Insurance is about protecting your peace of mind, not just ticking a compliance box.

The Reality of the “Insurance Comparison Site” Experience

Before you hit “renew” on your next policy, it is worth reflecting on the traditional journey. We frequently hear from clients who are exhausted by the aggregator cycle, and it makes us wonder: what has your experience really been?

• The Claim Test: If you’ve made a claim on a policy bought through a insurance comparison site, was the initial “saving” worth the administrative headache that followed?
• The Data Entry Drain: In an era of instant tech, do you still find value in spending twenty minutes filling out repetitive forms just to be met with generic, middle-of-the-road results?
• The Transparency Gap: Many don’t realise that comparison sites charge insurers significant fees to be listed, costs that are quietly baked into your premium. You are paying for their marketing, not your protection, so are they really cheaper? With a specialist broker, every penny of commission is substantiated by personal service and expert advocacy, or at least it should be!

The Rise of the AI Search

When we are presented with a new opportunity to quote, we always explore how the client found VINTTRO Cover. Often, it’s a recommendation from a business network, an enthusiast club, or a social media post.

However, we are increasingly hearing: “I just entered my requirements into ChatGPT (or Gemini), and you popped up.”

This marks a massive shift. Why would a consumer navigate a cluttered aggregator site when they can go straight to an AI platform for a neutral, instant recommendation? AI doesn’t care about “featured” listings; it cares about relevance and reputation.

VINTTRO’S Roadmap: AI in Action

At VINTTRO, we aren’t just watching this change; we are engaged. We are already working with AI technology and are currently testing its capabilities within the logistics arm of our business.

Once this technology is fine-tuned and implemented in our live environment, we plan to engage with our trusted insurer panel to roll this out across our niche insurance products. Our goal is to use AI to remove the administrative “friction” of the boring parts of insurance, while keeping our experts at the front and center to handle the complex, human side of your portfolio.

The VINTTRO Difference

Whether you found us through a personal recommendation or an AI prompt, you’re getting more than just a policy. You’re getting a team that uses the best of modern technology to protect the things you love, ensuring that if you ever do have a claim, you aren’t just another number in a database.

Would you like to see how we can protect your collection or business? Contact us today for a bespoke quote – 0333 4042 007

VINTTRO Cover is a trading style of Sona Insurance Solutions Ltd. VINTTRO Limited is an Appointed Representative of Sona Insurance Solutions Limited who is authorised and regulated by the FCA under reference number 927990.

Motorhome adventure planned, modern technology has revolutionised the way we explore the Great British countryside. Gone are the days of squinting at paper maps in a dimly lit cab; today, the perfect pitch or a hidden gem of a pub is just a tap away. Whether you are a seasoned nomad or a weekend wanderer, having the right digital tools can turn a stressful drive into a seamless journey.

This guide, created by Brit Stops, explores the essential apps every motorhome traveler should have in their pocket to navigate, park, and relax with total confidence.

Why Go Digital on Your Travels?

Van life is all about freedom, but that freedom is much sweeter when you aren’t worried about low bridges or where to empty your grey water. Motorhome-specific apps help you:

• Discover unique and legal overnight locations.
• Navigate routes that actually fit your vehicle’s dimensions.
• Stay Informed about weather shifts and traffic snarls.
• Locate essential services like LPG, water, electric and fuel.

No 1. Brit Stops

For those who want to swap crowded campsites for authentic local experiences, the Brit Stops app is a game-changer. It connects travellers with over 1,400 independent hosts, including charming country pubs, sprawling vineyards, and artisan farm shops.

• The Draw: Enjoy unique, safe, and legal overnight stays.
• The Vibe: Instead of a booking fee, you simply support the host by enjoying a meal or buying local produce.
• Price: £44/year (often available with a 25% discount for new members).

2. Search for Sites

This is a powerhouse directory driven by the motorhome community. It’s perfect for finding everything from basic “aires” to luxury holiday parks across the UK and Europe.

• Key Feature: Excellent offline maps and comprehensive filters.
• Price: £7.99/year.

3. Park4Night

A favourite for the adventurous soul, Park4Night specialises in community-shared spots. It’s great for finding scenic layovers and hidden nooks, though always remember to check for “No Overnight Parking” signs to stay on the right side of local laws.

• Key Feature: Massive database of photos and reviews from fellow travelers.
• Price: €9.99/year.

4. Google Maps

An oldie but a goodie. While not motorhome-specific, it is unbeatable for finding the nearest supermarket or checking out a campsite via Satellite View before you arrive.

• Pro Tip: Use it to “scout” tight turns, but never trust it blindly for height clearances!
• Price: Free.

5. Waze

If you want to avoid being stuck in a bank holiday traffic jam, Waze is your best friend. Its crowdsourced data gives you real-time alerts on accidents, hazards, and speed cameras.

• Key Feature: Dynamic rerouting to save you time.
• Price: Free.

6. Met Office Weather

When you’re living in a vehicle, the weather isn’t just small talk—it’s vital information. High winds can make driving a high-sided motorhome dangerous, and heavy rain might turn a grass pitch into a bog.

• Key Feature: Accurate rain radars and severe weather warnings.
• Price: Free.

7. PetrolPrices

Fuel costs add up when you’re touring. This app helps you find the cheapest diesel or petrol in your immediate area, ensuring more of your budget goes toward experiences rather than the tank.

• Price: Free.

Expert Tips for Digital Touring

Don’t rely on a single source. Use Brit Stops for your overnight stays, but keep Waze open for the drive and the Met Office app for your morning planning.

1. Check the Date: Always look at the most recent reviews. A site that was “great” in 2022 might be closed in 2026.
2. Download for Offline Use: Many of the best motorhome spots have the worst 5G signal. Always download your maps and host lists before heading into the wild.
3. Have a Plan B: The best-laid plans can go awry. If a stop is full, having a secondary option saved in your “favourites” prevents a late-night scramble.

Final Thoughts

The road is calling, and with these apps, you’re more than ready to answer. From the community-led insights of Park4Night to the unique local hospitality found through Brit Stops, your phone is now the ultimate co-pilot. By pairing these digital tools with the specialised insurance protection from VINTTRO Cover, you can explore with total peace of mind.

Pack your bags, update your apps, and enjoy the journey!

VINTTRO Cover is a trading style of Sona Insurance Solutions Ltd. VINTTRO Limited is an Appointed Representative of Sona Insurance Solutions Limited who is authorised and regulated by the FCA under reference number 927990.

Home Showroom – there is a specific kind of magic that happens when a garage stops being a place where you just “park the car” and starts becoming a destination in its own right.

Recently, one of our VINTTRO Cover policyholders shared a set of before-and-after photos on our Facebook page that stopped us in our tracks. What started as a standard, perhaps slightly weathered concrete space has been meticulously transformed into a stunning, gallery-grade sanctuary.

The transformation is more than just new flooring and clever lighting; it’s a testament to the passion that drives our community. It isn’t just a renovation, it’s a creation!

Take a look at the images below:

More Than Just Four Walls

At VINTTRO, we live and breathe niche cars, but we’re the first to admit that for many of our members, the hobby doesn’t end at the ignition switch. We know that for many of you, creating a motoring shrine or a home showroom is just as rewarding as the time spent behind the wheel.

Whether you are housing an everyday classic like a cherished MGB or a Mazda MX-5, or managing a multi-million pound car collection, we love to see these sanctuaries. These spaces evolve into something deeply personal:

• The Man Cave/Lady Cave: A private retreat surrounded by the machines you love.
• The Workshop: A cathedral of grease and gears where heritage is preserved.
• The Home Showroom: A polished environment where every curve of the bodywork is celebrated.

Why Your Garage Matters to Us

You might wonder why an insurance broker gets so excited about your interior design choices. For us, seeing these “lifestyle” environments is a massive indicator of pride of ownership.

When we see a car housed in a dedicated, well-maintained environment, it tells us (and our insurer partners) a story of care and diligence. This isn’t just “risk” on a spreadsheet; it’s a cherished asset in the hands of a true enthusiast. We believe this level of dedication should play a major role in the risk analysis when we help you protect your assets.

Protecting the Whole Picture: Beyond the Garage Door

Our expertise doesn’t stop at the threshold of the garage. We recognise that these incredible motoring assets are often housed within properties that are just as “non-standard” as the cars themselves.

At VINTTRO Cover, we can help you insure the property as well. Whether it’s a bespoke modern build, a period home, or a dedicated outbuilding designed for your collection, we work to ensure the entire lifestyle, both the cars and the roof over them, is covered properly. We move your world under one trusted roof, ensuring there are no gaps in your protection.

Show Us Your Sanctuary

Engagement is what makes the VINTTRO community so unique. We love seeing where your pride and joy sleeps at night and learning how we can better enhance and protect your motoring world.

Do you have a home showroom, a dedicated workshop, or a “shrine” in progress? Drop a photo in the comments on our Facebook page to join the conversation. Whether it’s a professional-grade hoist or just a perfectly organised tool wall, we want to see it!

VINTTRO Cover is a trading style of Sona Insurance Solutions Ltd. VINTTRO Limited is an Appointed Representative of Sona Insurance Solutions Limited who is authorised and regulated by the FCA under reference number 927990.

At VINTTRO, we recognise that while a bespoke insurance policy is a vital first step in protecting your assets and business, true peace of mind requires a more holistic approach. Our clients lead complex lives and manage significant responsibilities from protecting a family estate to scaling a commercial enterprise. To support this, we have evolved into an integrated resource, providing both comprehensive insurance solutions and direct access to expert legal counsel. We are proud to collaborate with a trusted legal partner to provide a suite of services that seamlessly complement our private and commercial offerings.

Why We Provide Access to Legal Services

True protection is built on proactive knowledge. While insurance provides the safety net, expert legal advice provides the roadmap. By introducing you to a separate, specialised legal entity, we ensure you have a professional team ready to act the moment a requirement arises.

This partnership allows you to bypass the search for a new solicitor. Instead, you gain direct access to specialists who already understand your profile, allowing for quicker response times and pragmatic advice tailored to your lifestyle.

Legal Services for Private Clients

For our private clients, we provide convenient access to legal expertise designed to support your personal interests and legacy:

• Wills, Trusts & Probate: Streamlining the process to ensure your estate is managed and your loved ones are protected.
• Family Matters: Sensitive support regarding financial settlements, divorce, or arrangements for children’s care.
• Conveyancing: A dedicated platform to manage every detail of your property transactions.
• Employment Issues: Expert guidance on redundancy disputes or matters of unfair treatment.

Legal Services for Commercial Clients

For our business clients, a dedicated legal team is a key component of operational risk management. Our partners help resolve disputes efficiently to minimise disruption:

• Commercial Transactions: Professional advice on negotiating and drafting robust contracts and supplier agreements.
• Property & Leases: Specialist support for commercial lease negotiations and landlord/tenant disputes.
• Employment Law: Assistance with contracts, redundancy procedures, and dispute resolution.
• Business Disputes: Strategic support for shareholder disagreements, supplier issues and matters affecting your bottom line.

Why It Matters: A Seamless Experience

The ultimate benefit is certainty. Whether you are facing an unexpected legal challenge or simply want the peace of mind that comes from a trusted team, being “plugged in” to the VINTTRO network makes every process smoother and more efficient.

Instead of briefing a firm from scratch, you are connected to experts who already understand your goals. We are your first port of call, not just for your insurance policy, but for navigating the legal complexities of your private and professional life.

Next Steps

Whether you have an immediate legal requirement or simply want to understand how these services can support your future planning, we are here to help.

Contact your VINTTRO advisor today to arrange a direct introduction to our legal partners.

T: 0333 4042 008

E: info@vinttro.co.uk

At VINTTRO Cover, our DNA is built on a passion for the unique. Whether it’s a vintage icon, a modern supercar, or a quirky specialist build, we’ve always maintained that we do not prejudice any niche vehicle. If it has a soul and a story, it has a home with us.

A Legacy of Protecting Excellence

Our team has spent years at the heart of the enthusiast community, managing some of the UK’s most significant high net worth car collections. We understand that these collections are more than just a garage full of assets; they represent a curated journey through automotive history. At VINTTRO, we specialise in protecting high net worth car collections, ensuring that every vehicle is insured with the utmost care.

From the raw, mechanical purity of a rare Ferrari and the wafting elegance of a bespoke Rolls-Royce, to the cutting-edge engineering of the world’s most elite hypercars, such as Pagani or Koenigsegg, we protect them all. Our experience spans the entire spectrum of the “extraordinary,” ensuring that every vehicle, regardless of its rarity or value, is treated with the specialist respect it deserves.

The Next Tier of Opportunity

We recognise that growing collections require evolving protection. That’s why we’ve partnered with ERS to bring you their flagship offering: Private Client Ultimate. This isn’t just an extension of existing coverage; it is a dedicated UHNW solution developed and owned by ERS to elevate your most valuable assets. By introducing ERS’s Ultimate product into our portfolio, we’ve unlocked a new level of bespoke coverage designed by their specialist underwriters to streamline even the most complex high-value risks.

Tailored for the Extraordinary

Available as of March 2026, this new tier is crafted for individuals with complex motor portfolios and high net worth car collections. Our insurer partner is providing specialist underwriting expertise for:

• Single vehicles valued at £350,000+
• Vehicle collections valued at £500,000+
• UHNW individuals with highly specific or non-standard motor requirements.

What Makes it “Ultimate”?

This isn’t just a policy; it’s a comprehensive safety net. The proposition delivers an enhanced, all-encompassing level of cover, including:

Feature	The Ultimate Advantage
Driver Flexibility	Any driver cover (that doesn’t reside at address) and Comprehensive “Driving Other Cars” across the UK and EU.
Agreed Value	Absolute certainty on your vehicle’s worth from day one.
Hire Car Value	Market-leading hire car provision with a unique excess reduction approach.
Breakdown & Belongings	Bespoke Private Client Breakdown cover and high-limit personal belongings protection.
Claims Excellence	All claims are handled by a dedicated, in-house Private Client claims team.

“Private Client Ultimate gives our clients more confidence to secure complex risks. While our original Prestige product remains a strong, tailorable proposition, Ultimate provides an all-encompassing solution for those who expect more. We are the insurance solution for ultra high net worth car collections”

Your Passion, Protected

At VINTTRO Cover, we remain fiercely committed to the specialist market. We understand that high net worth car collections isn’t just a list of assets on a spreadsheet; it represents years of curation, mechanical passion and often, a significant personal legacy. Whether your garage holds a single, cherished niche vehicle or a sprawling multi-million-pound collection of the world’s most coveted machinery, our mission remains the same: to provide protection that is as extraordinary as the vehicles themselves.

With the addition of Private Client Ultimate, we now possess the precision tools and elite partnerships required to ensure your peace of mind is as seamless and high-performing as your ride. From the initial valuation to the bespoke handling of a complex claim, we offer a concierge-level experience that respects both the financial and emotional value of your automotive investments. We don’t just help insure cars; we safeguard the culture of driving.

VINTTRO Cover is a trading style of Sona Insurance Solutions Ltd. VINTTRO Limited is an Appointed Representative of Sona Insurance Solutions Limited who is authorised and regulated by the FCA under reference number 927990.

Claims inflation has been the word on many peoples lips for a few years now. But while we often focus on the price of a loaf of bread or a monthly energy bill, there is a quieter, more complex inflationary pressure moving through the motor insurance industry.

To help demystify why premiums are shifting and what the future holds, our partner ERS has shared exclusive data and insights into the drivers of claims inflation. Despite general inflation (CPI) sitting at 3.0%, the cost of settling motor insurance claims is currently rising at double that rate.

While private car premiums have recently seen a dip due to lower claim frequencies, the tide is expected to turn. Forecasts suggest the UK motor market may return to losses in 2026 as premiums struggle to keep pace with the rising costs of repairs, parts and personal injury care.

Below is a summary of the key drivers ERS has identified for 2026 and how they impact the insurance landscape.

The Cost of Complexity: Repairs & Supply Chains

Modern vehicles are essentially computers on wheels and that sophistication comes with a price tag.

• The ADAS Factor: Features like lane assist and emergency braking (Advanced Driver Assistance Systems) make cars safer but significantly more expensive to fix. Damage claims now account for 65% of all claims inflation.
• The EV Transition: Electric Vehicles (EVs) are roughly 25% more expensive to repair than traditional petrol or diesel cars. As they become a larger slice of the market, they naturally push up average claim costs.
• Labour & Parts: In 2026, labour rates are expected to rise by 4.1%, while the cost of parts is projected to jump by 8–10%, driven by geopolitical volatility and supply chain shifts.

The Second-Hand Surge

With the current claims inflation, the used car market remains incredibly resilient. Because of production disruptions during the pandemic, there is a shortage of 3-to-5-year-old vehicles. This scarcity, combined with economic uncertainty, has kept second-hand prices high, particularly for cars aged 10–15 years, which are now 8% more expensive than last year. High vehicle values mean that total loss settlements cost insurers more, which ultimately feeds back into premium pricing.

Damage & Repairs

Advanced Driver Assistance Systems, which include features such as adaptive cruise control, lane assist and emergency braking, increase the complexity of vehicles and continue to elevate repair costs. A 2025 Financial Conduct Authority review found that 65% of claims inflation between 2019 and 2023 was driven by damage claims. The key factors were extended repair times, increasing vehicle complexity and cost, and rising labour rates. These pressures are expected to persist, with manufacturers’ costs remaining elevated due to ongoing supply chain disruption, heightened cyber risk and continued uncertainty around EV sales target policy. Labour rates will increase by 4.1% in 2026 reflecting higher wages and increased employer national insurance contributions (“ENIC”). In addition to an increase in labour costs, we expect parts inflation to increase by circa 8-10% as it has done in prior years. The cost of parts remains exposed to geopolitical events, with price volatility a foreseeable consequence of potential trade wars. Both Electric and Hybrid vehicles are c25% more expensive to repair than traditional ICE vehicles. The proliferation of EVs mentioned earlier will inevitably add to repair inflation.

Windscreens

Glass costs rose in 2025 due to energy and material cost inflation. ADAS calibration requirements continue to add cost with an increasing number of cameras and sensors fitted close to the windscreen. Inflation is predicted to run at c6% in 2026.

Credit Hire

Rates increased by 6% in 2025 and are predicted to increase again as part of the ERS claims annual rate review exercise in Q2 2026. The length of car hire remains c10% above pre-pandemic levels with an elongation of repair periods due to the complexity of vehicles and the change in parts distribution methods in recent years.

Personal Injury & Care Costs

While government reforms have successfully reduced the frequency of low-value whiplash claims, other areas are seeing significant increases:

• Serious Injury Care: For high-value claims involving life-changing injuries, the cost of professional care is rising 5% above the rate of inflation.
• Legal & Medical Updates: New judicial guidelines expected in Q2 2026 are likely to see injury awards increase by approximately 8%.
• Fraud Prevention: Motor fraud rose by 5% recently. In times of financial stress, opportunistic fraud tends to increase, making a “zero-tolerance” approach more vital than ever to protect honest policyholders.

Looking Ahead to 2026

Overall, ERS expects claims inflation to run between 6% and 8% through 2026. While new technologies like automated vehicles are being trialled on UK roads, they aren’t expected to impact the inflation landscape in the immediate 12 months. The focus remains on managing the “extraordinary inflation” caused by global trade tensions and the dominance of specific markets in EV battery materials.

How You Can Help Lower Costs

Insurance is a collective effort. By taking a few proactive steps, customers can help insurers manage costs and, by extension, keep premiums fairer for everyone:

1. Report Promptly: Notifying us of a claim immediately allows for better cost management and a smoother repair process.
2. Use Approved Repairs: Choosing our recommended repair solutions ensures quality and cost-efficiency.
3. Dash Cams & Evidence: Installing a dash cam provides vital evidence that can speed up claims and identify fraudulent activity instantly.

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In the world of luxury motoring, few names carry the prestige of Rolls-Royce. With a heritage spanning over a century, the brand has become synonymous with opulence, peerless craftsmanship, and timeless elegance.

Join us as we delve into the world of Rolls-Royce and explore the elements that set these iconic vehicles apart.

A Heritage of Excellence

Founded in the early 20th century by Charles Rolls and Henry Royce, the company quickly established itself as the pinnacle of automotive engineering. From the legendary Silver Ghost to the modern-day Phantom, every model embodies a commitment to an exuberant lifestyle, blending handcrafted luxury with cutting-edge technology.

Unrivaled Craftsmanship

An unwavering dedication to detail has been at the heart of Rolls-Royce culture since its inception. Every vehicle is meticulously handcrafted by highly skilled artisans who painstakingly sculpt, stitch, and polish each component to perfection.

From the sumptuous, hand-picked leathers used in the upholstery to the exquisite wood veneers, every element of the interior exudes refinement. It is this level of detail that makes these cars not just vehicles, but works of art.

Innovative Engineering

While steeped in tradition, Rolls-Royce continuously embraces innovation. The brand’s engineering prowess is evident in its renowned V12 power plants, advanced “magic carpet ride” suspension systems, and state-of-the-art infotainment technology. Each car is engineered to deliver a peerless driving experience, combining effortless performance with unparalleled comfort.

Iconic Design Language

A Rolls-Royce is instantly recognizable. Characterized by a commanding presence, sleek lines, and the unmistakable Spirit of Ecstasy ornament gracing the iconic radiator grille, it is a masterpiece of design. From the stately Phantom to the dynamic Wraith, each model possesses a distinct personality while maintaining the brand’s core sophistication.

Bespoke: Luxury to Your Taste

One of the brand’s true hallmarks is the opportunity for total personalisation. Through the Rolls-Royce Bespoke program, customers can tailor every detail, from custom paint finishes to one-of-a-kind interior trims, to their exact specifications. This allows owners to create a truly unique vehicle that reflects their individual style and preferences.

Exclusivity and Legacy

Owning a Rolls-Royce is more than just possessing a car; it is a symbol of exclusivity and success. With a clientele that includes global royalty, celebrities and business tycoons, Rolls-Royce has earned its place as the ultimate motoring icon.

As the brand continues to push the boundaries of automotive excellence, its legacy of prestige endures. Whether wafting through city streets or gliding along idyllic country roads, a Rolls-Royce commands admiration a trend that will surely continue for decades to come.

The VINTTRO Perspective

At VINTTRO, we appreciate the finer details of automotive history and the unique stories each vehicle tells. We have a particular soft spot for the Phantom III famously seen in Goldfinger, a car that defines cinematic presence, as well as the early 1970s Silver Shadow, which brought a new era of sophistication to the brand.

We understand that owning a Rolls-Royce isn’t just about the drive; it’s about the stewardship of a masterpiece. Whether you are a collector of these vintage icons or a driver of modern masterpieces like the Cullinan or Spectre, your needs go far beyond a standard policy.

As we move toward our new physical environment in October 2026, our focus is on providing an insurance infrastructure that mirrors the Rolls-Royce “Bespoke” philosophy. Our specialist solutions are designed to protect the financial integrity of your investment while seamlessly supporting your wider luxury lifestyle, covering your home, your business and your passion with the same meticulous attention to detail found in a hand-stitched leather interior.