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

However, we recognise that as your collections grow and your requirements become more intricate, your protection needs to evolve too. That’s why we are delighted to announce that, working alongside one of our major insurance partners, we are introducing Private Client Ultimate, totally designed for high net worth car collections.

We’ve unlocked a new level of bespoke coverage. Private Client Ultimate is an ultra high net worth (UHNW) solution specifically built to elevate your most valuable assets. While our existing Prestige products continue to offer best-in-class service, Ultimate streamlines even the most complex high-value risks. It’s a premium proposition designed for those who don’t just drive, they curate.

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.

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.

At VINTTRO Cover, we understand that passion doesn’t stop at the garage door. It extends into every part of your lifestyle, most importantly, your home.

That’s why we’re really excited to extend our insurance services to include Niche Home and Contents Insurance. We are bringing the same level of specialist care and expertise you’ve come to expect from our vehicle policies into your most personal spaces.

Why the Move to Niche Home and Property Insurance?

As specialists in niche vehicle insurance, we have spent years protecting what drives you, from rare classics and high-performance supercars to unique investment vehicles. We realised that our clients’ homes are often just as “non-standard” as their car collections.

Standard, “off-the-shelf” home insurance often fails when it meets a property with a story. Now, we’re bringing that trusted protection off the road and into your home.

Tailored for the Extraordinary

Whether your home is a sleek city apartment, a period property full of character, or a bespoke modern build, the cover we offer is designed to fit your unique needs. We don’t believe in a “one size fits all” approach because we know your property is anything but average, that’s why our home & contents insurance covers what you need.

Our Specialist Markets

Working closely with our elite insurer partners, we provide home and contents insurance cover for risks that mainstream insurers often shy away from, including:

• Non-standard & Bespoke Builds: Unique architecture requires unique underwriting.
• Listed & Heritage Properties: Specialised protection for historical integrity (excluding thatched).
• Complex History: Including properties with a history of subsidence or a poor claims record.
• Environmental Factors: Coverage for homes in recognised flood risk areas.
• High Net Worth: Enhanced limits for high-value buildings and luxury contents.
• Property in Transition: Specialised cover for renovations or unoccupied properties.

The VINTTRO Difference We thrive where others see “risk.” If your home or proposed property falls outside of the “norm,” we are here to offer a solution. We don’t just tolerate “niche” we specialise in it.

The Expanded Version

Ready to protect your most valuable assets? Your home is an extension of your lifestyle, often housing the collections and memories that define you. Don’t leave your investment to a standard, “one-size-fits-all” policy that may leave you underinsured.

Our Niche Home and Contents insurance is designed for the extraordinary, providing comprehensive cover for bespoke builds, period properties and high-value interiors. Whether it’s specialist architectural features or a curated collection of valuables, we ensure every detail is accounted for.

Speak to a member of our specialist team today to see how we can provide a bespoke home and contents insurance solution for your property. At VINTTRO Cover, we don’t just insure buildings; we protect the way you live.

At VINTTRO, we’ve always been committed to providing tailored insurance solutions for discerning car enthusiasts, those who invest in classic cars, luxury marques, performance vehicles and rare collectibles. We understand the passion behind niche car ownership because we live it ourselves.

We pride ourselves on our expertise in Van and Fleet Insurance, ensuring that your vehicles are adequately protected. Our tailored policies also encompass comprehensive coverage for all of your vehicles.

This is particularly important for clients needing Van and Fleet Insurance, as it supports both personal and business vehicle needs.

For those in the transport sector, our Van and Fleet Insurance options are designed to meet the specific requirements of your business.

As a part of our dedication to bespoke insurance solutions, we also recognise that many of our clients have diverse needs. For instance, classic car owners might also own multiple vehicles for various purposes, such as transport for their businesses or everyday commuting. This understanding drives us to expand our offerings, ensuring that all aspects of your vehicle insurance needs are met with the same level of expertise and care.

Our clientele often overlaps with those who require advanced insurance coverage that aligns not just with their personal interests but also with their professional goals. Having a reliable and comprehensive insurance plan for both personal and business vehicles ensures peace of mind and allows you to focus on what you do best, running your business or enjoying your collection.

However, we also know that for many of our clients, the garage doesn’t end with a weekend driver or a concourse-level collection. Many of you are also business owners, entrepreneurs and fleet operators.

We continually seek feedback from our community. For example, during a recent event, a long-time client expressed frustration over managing multiple insurance policies. This conversation highlighted the need for a unified solution. Our ability to listen and adapt is crucial in shaping the services we offer.

Furthermore, we understand that the insurance landscape can often be overwhelming. Our team is equipped not only to offer policies but also to educate our clients about the best options available. For instance, understanding the nuances between comprehensive and third-party insurance is essential for making informed decisions that protect both personal and business investments.

Listening to Our Community

When you choose VINTTRO, you are not just getting an insurance policy; you are gaining a partner who is genuinely interested in the success of your ventures. Whether that means providing you with advice on vehicle maintenance that can lower your insurance premiums or helping you navigate the complexities of fleet management, we are here for you.

The potential for downtime affects both personal vehicles and business fleets alike. We ensure that you understand the implications of every choice you make regarding your insurance. This includes advising on usage patterns, like distinguishing between business and personal use, to provide you with the best coverage options tailored to your specific needs.

We noticed a recurring theme during our conversations at events and tours. While we were busy insuring Aston Martins and classic Alfa Romeo’s, our clients were juggling separate, fragmented policies for their business vehicles, often for property management, logistics or automotive enterprises.

Until now, our clients had to deal with external providers who didn’t understand the high standards, attention to detail, or the level of service they’ve come to expect from VINTTRO. Dealing with generic call centres for a Van and Fleet Insurance policy felt like a step backward for those used to our bespoke approach.

Our comprehensive cover options include a variety of add-ons and features designed to enhance your policy. For example, should your business require a higher level of service or specific vehicle requirements, we can help you tailor a policy that suits those needs perfectly.

Multi-vehicle efficiency also means that we take into account the unique requirements of each vehicle. Whether it’s insurance for a vintage car used for promotions or a fleet of delivery vans, we can streamline the process to save you time and money.

Having a single point of contact simplifies the insurance process significantly. It fosters a relationship where you feel valued and understood, instead of being just another policy number. This personalised service is what sets us apart from generic insurance providers.

In addition, our expert claims management ensures that you are never left to navigate claims alone. We advocate on your behalf, ensuring that you receive the best possible outcome while minimising disruption to your business operations.

As you consider your insurance options, we invite you to reach out to our team at VINTTRO Cover. We can provide a comprehensive assessment of your needs and help you understand how our Van and Fleet Insurance protects you and your business.

A Seamless Insurance Experience

We believe that insurance should enhance your lifestyle and business. Our approach to Van and Fleet Insurance is a testament to this belief. We want to ensure that every vehicle you use serves its purpose effectively and safely.

With VINTTRO, you can expect a proactive approach to insurance that addresses potential risks before they become issues. This may involve regular audits of your insurance needs as your business and vehicle usage evolves, ensuring that you are always adequately covered.

By expanding our Insurance Broking portfolio to include Van and Fleet Insurance, we are bringing your world under one trusted roof. Whether you operate a single van for a design business or a multi-vehicle fleet for a larger enterprise, you can now manage those risks alongside your cherished vehicle collection.

Caption: Our commitment extends beyond mere insurance; we aim to build enduring relationships with our clients, ensuring that every aspect of their vehicle needs is addressed. Whether it’s a classic car enthusiast or a fleet operator, we’re dedicated to serving our community.

We apply the same technical care and “in-the-trenches” expertise to your practical fleet as we do to your specialist assets. We understand that in business, “downtime” is the enemy. Whether it is a luxury supercar or a transit van, if it isn’t on the road, it isn’t doing its job.

The VINTTRO Advantage: What This Means for You

• Comprehensive Cover Options: Tailored specifically for business or private use, ensuring no gaps in your protection.
• Multi-Vehicle Efficiency: Consolidate your niche, specialist and commercial vehicles for a more streamlined experience.
• A Single Point of Contact: No more call centers or being “just a number.” You deal with the same team that knows you and your vehicles.
• Expert Claims Management: Receive our proactive guidance and advocacy, ensuring that even your “workhorse” vehicles get the VINTTRO standard of care in the event of a claim.

Your Next Steps with VINTTRO

Offering Van and Fleet Insurance is part of our commitment to the VINTTRO lifestyle. We are adapting our services to reflect your entire world, not just your passion for special cars.

Whether it’s a Land Rover Defender for rural property maintenance, a Mercedes Sprinter for your logistics firm, or a fleet of branded vans supporting your enterprise, we are here to help you protect what moves you.

Caption: Whether we’re talking about air-cooled Porsches or business fleet strategy, our brand is rooted in the community we serve.

Owning a rare or beautiful car is more than just driving from A to B; it’s a passion, an investment and often the realisation of a lifelong dream. From cherished classic cars and restoration projects to modern-day hypercars, we take immense pride in owning vehicles that stand out from the crowd.

But here’s the irony: while many enthusiasts pour time, money, and love into their vehicles, when it comes to protection, too many fall into the trap of searching for cheap car insurance. At first glance, securing the lowest premium feels like a win for the wallet. However, when protecting niche and high-value assets, “Cheap Car Insurance” can become an incredibly expensive mistake in the long run.

The Hidden Cost of “Cheap Car Insurance”

The truth is simple: cheap insurance often means stripped-back coverage. These policies are designed for everyday runarounds, not rare or specialist cars. They may look appealing on a comparison site, but they often contain significant gaps that leave you exposed:

• Market Value Payouts: Most cheap car insurance policies pay out the “book value” at the time of loss. For a classic or a limited-edition supercar, this could be tens of thousands of pounds below its true investment worth.
• Standard Repair Garages: You may be forced to use a high-volume, “one-size-fits-all” bodyshop rather than a specialist who understands your car’s unique engineering and paintwork.
• Hidden Exclusions: Many basic policies exclude cover for organised meets, club rallies, or even minor cosmetic modifications.

We all know the frustration of trying to get through to a bank or a utility provider these days. Imagine that same “faceless” experience when you are trying to make a claim for your pride and joy. When you opt for the most basic cheap car insurance, you often lose the personal advocacy you need most. At VINTTRO, we politely say, “Good luck.”

Protecting Your Lifestyle, Not Just Your Car

At VINTTRO, we view your car as more than just metal and rubber. It is a piece of history and a significant financial asset, much like a fine timepiece. In fact, our expertise extends beyond the garage; through our exclusive partnerships, we help our members source and protect exquisite timepieces, recognising that the precision of a Swiss movement is the perfect companion to a hand-assembled engine.

A specialist VINTTRO Cover policy is tailored to your lifestyle and can offer what cheap car insurance simply cannot:

• Agreed Value Cover: You are paid exactly what the car is worth, with no surprises and no depreciation arguments.
• Choice of Repairer: You decide who works on your car, ensuring its specialist heritage is respected.
• Legal Expenses Cover: £100,000 to protect your interests (including road risk).
• UK & EU Breakdown: Specialist recovery that understands how to handle low-clearance or high-value vehicles safely.

The VINTTRO Difference: We Stand Our Ground

The real value of insurance isn’t the price you pay upfront; it’s the support you receive when things go wrong. Most brokers and insurers prefer to settle claims quickly to save on legal fees. VINTTRO is different.

We recently defended one of our fleet clients, Dance & Dean, against an opportunistic claim all the way to the High Court. While others suggested settling, we used our claims expertise and telematics data to fight for our client and we won. We don’t just place your insurance; we act as your personal defender.

Final Thoughts: Think Beyond the Premium

Beautiful, rare, and niche cars deserve more than a “one-size-fits-all” policy. Whether your next investment is destined for the road or your wrist, VINTTRO is here to protect the pursuit of excellence.

Don’t settle for a false economy. Protect your passion, your investment, and your peace of mind for every mile of the journey.

Call us today on 0333 4042 007 because remember, we’re enthusiasts too!

Replica cars and recreation vehicles are a testament to the passion and creativity of their owners. Whether you’re piecing together a custom build from a kit or enjoying the open road in a meticulous tribute car, these vehicles represent individuality and adventure. However, along with the pride of ownership comes the responsibility of protecting your investment.

What Are Replica Cars?

A replica car is a vehicle assembled by an owner or professional from a set of parts provided by a manufacturer. These range from iconic “Lotus Seven” styles to legendary AC Cobra replicas.

The Legal Essentials for 2026:

• IVA Testing: Every kit-built car must pass an Individual Vehicle Approval (IVA) test at a DVSA centre before it can be road-registered. This ensures the build meets rigorous UK safety and environmental standards.
• Registration Types: If built from all-new parts, you may get a current registration. Otherwise, the DVLA often issues a “Q” prefix registration, indicating a vehicle of indeterminate age.

What Is a Tribute or Recreation Car?

A tribute car is modified to resemble a specific, often iconic, rare, or historically significant model, like a standard Dodge Charger converted into the iconic Dukes of Hazard “General Lee” or a Ford Sierra modified to pay homage to the RS500 Cosworth. Unlike a replica car built from a chassis up, these often use a “donor” vehicle’s floor pan and structural points.

Why You Need Specialist Insurance

Standard motor insurance often fails to account for the bespoke nature, true value, or unique build process of replica cars and recreation vehicles.

Key Features of Specialist Coverage:

• Build-Up / Laid-Up Cover: You can (and should) insure your project before it is road-ready. Build-up cover protects your parts and the partially completed vehicle against fire, theft, and damage while it is still in your garage.
• Agreed Value: Unlike standard policies that pay out “market value” (which is often very low for custom builds), specialist insurers agree on a set payout amount upfront. This ensures your craftsmanship and the true cost of parts are fully protected.
• Salvage Retention: If the vehicle is written off, many specialist policies allow you to keep the salvage. For a replica car (often known as Kit Car) owner, this is vital as it allows you to recover unique parts for a future build.
• Parts and Component Cover: Some policies specifically cover individual components, even if they are damaged or stolen before they are fitted to the car.

How to Choose the Right Policy

• Document Everything: Keep all receipts, build plans, and take photographs of every stage of the assembly. This documentation is essential for both your IVA test and for establishing an Agreed Value with your insurer.
• Consider Your Usage: If your car is purely for shows or limited seasonal use, look for limited mileage discounts to significantly lower your premium.
• Car Club Discounts: Membership in a recognised club (like the Lotus Seven Club or Westfield Sports Car Club) often triggers a discounts on your premium.
• Check for Track Day Add-ons: If you plan to test your build’s performance, ensure your policy can be extended to cover track day use.

Final Thoughts From the first bolt in the garage to the final polish before a show, replica and recreation cars bring unparalleled joy. By choosing the right specialist insurance, you can focus on the drive, knowing your hard work and investment are protected by a policy designed for enthusiasts, not just algorithms.

As a lifestyle brand, we spend a lot of time talking about legal requirements, usually driven by our expertise in insurance. Whether it’s your car, your home, or your business, insurance is a legal “must-have” that protects your assets today. But what about the protection of those assets tomorrow?

We love talking about cars and for many in our community, these vehicles are more than just transport; they are precious legacies. A question that frequently arises in our circles is: “Who will I leave my car to when I’m gone?” The Aston Martin Dilemma.

We recently spoke with a solicitor from our Law Firm partner who specialises in Wills, Trusts and Probate. She shared a story regarding a client with a rare Aston Martin. The client was determined to leave the vehicle to a specific person, but the conversation quickly evolved beyond just a name on a page. We discussed current and future valuations, inheritance tax implications and the precise legal language required to ensure that a “dream car” doesn’t become a “legal nightmare” for the beneficiary.

Unfortunately, many of us prioritise enjoying life over preparing for its end. Because of this, 61% of British adults, roughly 30 million people, do not have a Will.

The Danger of the “Digital Quick-Fix” Will Writers

A Will for assets like jewellery, property or a classic car is often more straightforward than people realise. However, the rise of the digital “quick-fix” has created a dangerous market for unregulated Will writing.

The Competition and Markets Authority (CMA) recently launched an investigation into unregulated Will writing companies that may be breaking the law. While these services boast they are “faster and cheaper,” the true cost is often hidden for years.

A Partner Solicitors explains the growing concern:

“These unregulated writers look genuine and legitimate on the face of it. The consequences of using them are only now coming to light as the people who used these services pass away. It is only then that the arrangements are unravelled and problems are identified. Some are offering advice that is actually detrimental to the client and their family.”

Cheap Today, Costly Tomorrow

The internet is flooded with adverts promising a Will in minutes for just a few pounds. This has led to several dangerous misconceptions:

• Lack of Expertise: Unregulated Will writers rarely have the same level of training or experience as a qualified lawyer.
• Invalid Documents: Simple errors in wording or witnessing can render your entire Will invalid.
• No Duty of Care: Unlike regulated lawyers, these companies may oversell complex documents or “trusts” that the client simply doesn’t need.

The adage “buy cheap, pay twice” is prevalent here. However, with a unregulated Will writer, you won’t be the one paying the second time, your grieving family will.

The Professional Advantage

When you instruct an experienced lawyer, you aren’t just buying a document; you are buying Professional Indemnity Insurance and peace of mind. Law firms are required to have this insurance, which protects your estate if something goes wrong.

Our advice is simple: Do your research. Will writers must be:

1. Qualified: Properly trained in probate law.
2. Insured: Backed by professional indemnity cover.
3. Regulated: Accountable to a professional body.

Secure Your Legacy

While you focus on enjoying your car today, let the experts ensure its future. We highly recommend consulting with us, for all your private legal requirements. From preparing a robust Will to other professional legal services, VINTTRO, working alongside their legal partner provides the regulated, expert guidance you need to ensure your final wishes are honoured.

Make sure that when the time comes, the person listed to inherit your precious car can actually enjoy the drive.

Car Insurance Groups: Before you fall in love with a new set of wheels, there’s one number you need to check: the insurance group number. Whether you are looking to renew car insurance or buying your first vehicle, understanding these groups can save you thousands. But in 2026, the way we measure “risk” is changing with the phase-in of the new Vehicle Risk Rating (VRR). Here is what you need to know.

How the 1-50 System Works

Traditionally, every car in the UK is placed into one of 50 groups.

• Groups 1–10: These are your “budget-friendly” heroes. Think small engines and cheap parts (e.g., VW Polo or Fiat 500).
• Groups 40–50: This is the “high-risk” zone. It’s where you’ll find luxury SUVs and supercars like the Lamborghini Aventador.

The Golden Rule: The lower the car insurance group, the lower the cost when you go to renew car insurance.

NEW FOR 2026: The Vehicle Risk Rating (VRR)

If you are buying a brand-new model launched after August 2024, the old 1-50 system is being joined by the Vehicle Risk Rating (VRR).

Unlike the old groups, which stay the same forever, the VRR scores cars from 1 to 99 based on five “pillars”: Performance, Damageability, Reparability, Safety, and Security. Most importantly, a car’s VRR can change over time as insurers see how it performs in the real world.

What Factors Push a Car into a Higher Group?

It isn’t just about how fast a car goes. Car Insurance Groups are rated by Thatcham Research and the Panel look at:

• Damage & Parts Cost: If a wing mirror for a luxury car costs £800 but the same part for a Ford costs £80, the luxury car will sit in a higher group.
• Repair Times: Rare or complex cars (like many modern EVs) often take longer to fix. Longer stays in the workshop lead to higher claims costs.
• Security Standards: High-spec security (alarms and immobilisers) can pull a car down a group. Conversely, models with “vulnerable” keyless entry systems often find themselves pushed into Group 50.
• Bumper Compatibility: Believe it or not, how well your bumpers align to prevent damage in low-speed bumps actually affects your group rating!

Don’t Get Caught Out

There is nothing worse than buying your dream car only to find out you can’t afford to renew car insurance because it’s in Group 48.

Our Advice: Always check the insurance group before you buy. A “sportier” trim of the same car could move you from Group 12 to Group 25, doubling your premium for the sake of a few badges and larger alloys.

The “Before You Buy” Insurance Checklist

Avoid the “Group 50” shock! Use this 5-point checklist before you commit to your next vehicle.

1. Identify the Rating System

• Is it a pre-August 2024 model? It will be in the traditional Groups 1–50.
• Is it a brand-new 2024–2026 model? It might have a Vehicle Risk Rating (VRR) from 1–99.
• Rule of Thumb: The lower the number, the lower your premium.

2. Check the “Security Suffix”

When looking at 1–50 groups, look for the letter after the number. It tells you if the car’s security is up to scratch:

• E (Exceeds): The car has better security than required. This often lowers your cost!
• A (Acceptable): Meets the standard requirements.
• D (Doesn’t Meet): Security is below standard for that group, so the car has been “pushed up” a group.
• U (Unacceptable): The security is so poor many insurers may insist you fit an aftermarket alarm or tracker before they will cover you.

3. Spot the “Trim Trap”

Don’t just check the model; check the exact trim.

• A base model might be Group 12.
• The “Sport” or “GT” version of the same car could be Group 22 because of larger alloys (expensive to replace) and a slightly faster engine.

4. Investigate “Repairability” (The 2026 Factor)

With the new VRR system, insurers are looking closely at how long a car takes to fix.

• Check for Carbon Fibre or “Mega-Castings”: These are great for weight but can be a nightmare to repair after a small bump, leading to a higher insurance group.
• Parts Availability: Is it a rare import or a limited edition? If parts have to come from overseas, expect a higher group rating due to “Repair Duration” costs.

5. Run a “Dummy Quote” to Renew Car Insurance

Before you pay a deposit, get a “mock” quote using the registration of the car you are looking at.

• Pro-Tip: Use VINTTRO Cover as your specialist broker to see if there are “Enthusiast Discounts” that aren’t visible on standard comparison sites.

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How to Find Your Car Insurance Group Right Now:

1. Thatcham Research: The official source for UK group ratings.
2. Your V5C Logbook: Often lists the group for older vehicles.
3. VINTTRO Cover: Message us with a registration number and we can tell you exactly where that vehicle sits and how it will affect your cost to renew car insurance.

Ready to Renew?

At VINTTRO Cover, we understand that niche and high-performance cars don’t always fit the “standard” 1-50 box. We look at the enthusiast behind the wheel, not just the data in the chart.

Speak to our specialist team today on 0333 4042 007 and let’s find a policy that fits.

Many UK enthusiasts with classic and rare cars use their “pride and joy” during the brighter seasons, typically from April through to September. When the weather turns, these vehicles are often hidden away in secure storage. If this sounds like your routine, declaring your car as Statutory Off Road is a smart way to save money on road tax.

What is SORN?

It is a formal declaration to the DVLA that your vehicle is not being used or parked on public roads. Once declared, this lasts indefinitely; you don’t need to renew it annually.

When Must You Declare a SORN?

You are legally required to SORN your vehicle if:

• It is not taxed or insured (even for a short time).
• You are storing it in a garage, on a driveway, or on private land.
• You have bought a vehicle and don’t intend to tax or drive it yet.

Important: If your car is parked on a public road, even if it’s stationary, you must keep it taxed and insured.

How to Apply Online

Applying is free and takes just a few minutes on the official GOV.UK website.

• Step 1: Gather Your Info: You’ll need the 11-digit reference number from your V5C (logbook) for an immediate start, or the 16-digit number from your V11 tax reminder to start from the first day of next month.
• Step 2: Submit Online: Visit gov.uk/make-a-sorn. Avoid third-party sites that may charge fees.
• Step 3: Confirmation: You will receive an instant email confirmation and a letter by post within four weeks.

Don’t Ditch the Cover: Laid-Up Insurance

While SORN removes your legal obligation to have “road” insurance, it does not protect your asset from fire, theft, or accidental damage while in storage.

We highly recommend switching to a Laid-Up Insurance policy. These specialist policies are often much cheaper than road cover because they exclude road-use risks but provide essential protection for your vehicle while it’s “resting” in a garage or driveway.

Back on the Road?

Getting back behind the wheel is easy. Simply renew car insurance (if you only had laid-up cover) and tax the vehicle online. The moment you tax the vehicle, the SORN is automatically cancelled.