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!

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.

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.

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.

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.

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.

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.

The world of sports cars and luxury watches has always been intertwined. It is a relationship built on a shared obsession with precision, performance and purpose.

Whether it is the mechanical “thrum” of a V8 engine or the silent, intricate sweep of a tourbillon, enthusiasts of one almost always appreciate the other. Let’s explore why these two passions are so closely linked and how they define a lifestyle of excellence.

Precision Engineering: The Heart of the Machine

The most obvious link is a dedication to precision engineering. High-end sports cars from the likes of Aston Martin, Ferrari and Porsche are masterpieces of automotive physics. Every component, from the forged pistons to the active aerodynamics, is meticulously tuned to achieve maximum speed and reliability.

Similarly, luxury timepieces from Breitling, Rolex, and Cartier are marvels of micro-engineering. To see a mechanical movement in action is to see hundreds of gears, springs, and jewels working in perfect harmony. This shared focus on technical mastery is why a driver who appreciates a perfectly timed gear shift almost always appreciates a perfectly calibrated chronograph.

Heritage and Storytelling

Iconic car manufacturers like Ferrari don’t just build cars; they build legends. Take Sir Rod Stewart as an example a man whose love for cars and fashion is legendary. He was famously photographed with his stunning Ferraris, almost always wearing a timepiece that matched the occasion.

From the elegance of Rolls-Royce to the raw power of Maserati, these brands are symbols of history. The same is true for the world’s top watchmakers. Swiss houses like Vacheron Constantin and Jaeger-LeCoultre have been perfecting their craft for centuries. For the collector, owning these pieces is about more than just “telling the time” or “getting from A to B” it’s about owning a piece of history.

Innovation and Design

Innovation drives both worlds forward. While car manufacturers push the limits of carbon fibre and hybrid hypercars, watchmakers are doing the same with materials like titanium, ceramic, and sapphire.

Aesthetics are the bridge between the two. The sleek lines of a Classic Ferrari are mirrored in the design of the TAG Heuer Carrera—a watch literally named after the same legendary Mexican road race that inspired Porsche. The attention to detail in a hand-stitched leather interior is exactly what you find in the hand-finished dial of a high-end watch.

The Experience and Lifestyle

Ultimately, owning a sports car or a luxury watch is about the lifestyle. It’s about the exhilaration of a Sunday morning drive and the quiet confidence of a finely crafted watch on your wrist.

For many, this passion is about community. Whether it’s a car club meet or a private watch collector gathering, these objects bring people together to share knowledge, stories and a mutual appreciation for the extraordinary.

Protecting Your Legacy

At VINTTRO Cover, we understand that your cars and watches are more than just “assets” they are part of your story. We offer specialist insurance services that provide total peace of mind, ensuring your collection is secured against damage or loss.

For a competitive quote and bespoke cover for your most valuable assets, call our team today on 0333 4042 007. We’d love to hear the story behind your collection.

The Ultimate Pairings: Iconic Cars & Their Horological Matches

For the enthusiast who wants their wrist to match their garage, these three pairings represent the pinnacle of automotive and watchmaking synergy.

1. The “Carrera” Connection: Porsche 911 & TAG Heuer Carrera

This is perhaps the most pre-destined pairing in history. Both the Porsche 911 Carrera and the Heuer Carrera watch were born in 1963. Even more remarkably, they were both named independently after the same event: the Carrera Panamericana, a legendary and dangerous 2,000-mile border-to-border race across Mexico.

• The Vibe: Pure racing heritage. If you drive a 911, a Carrera Chronograph isn’t just a choice; it’s a requirement.

2. The British Gentleman: Bentley Continental GT & Breitling for Bentley

In 2002, when Bentley was designing the Continental GT, they commissioned Breitling to create the onboard dashboard clock. This sparked a two-decade-long partnership, the longest ever between a watch brand and a car manufacturer.

• The Detail: Look closely at the “Breitling for Bentley” watches, and you’ll see the “knurled” finishing on the bezel, directly mimicking the iconic texture of a Bentley’s control knobs and radiator grille.

3. The Ultimate Status: Ferrari & Richard Mille / Hublot

Ferrari enthusiasts often demand the “extraordinary.” While Hublot spent years creating watches that used actual Ferrari carbon fibre, the modern partnership with Richard Mille has taken things to a “Hypercar” level. The RM UP-01 Ferrari, for example, is one of the thinnest watches ever made, an engineering marvel that mirrors Ferrari’s obsession with weight and aerodynamics.

• The Look: High-tech, aggressive and unmistakable. It is the watch equivalent of a 1,000hp hybrid SF90 Stradale.

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When we first set out, we knew one thing for certain: we couldn’t outspend or out scale the global insurance brokers who dominate the market. They possess a legacy that spans decades, massive marketing machines and household names that resonate with the public. Competing on their playing field was a losing game from the outset. Instead, we understood that to carve our niche, we had to be innovative and differentiate ourselves through our unique offering and approach.

So, we chose a different route. We built a brand rooted in something that those larger firms simply cannot replicate: authentic passion, deep technical expertise and a genuine community. This foundation allows us to resonate with our clients on a personal level, fostering a sense of belonging that transcends traditional business relationships.

The VINTTRO Ecosystem: More Than Just a Policy

At its core, the VINTTRO brand was conceived as a 360-degree sanctuary for the automotive and lifestyle enthusiast. We realised early on that our clients didn’t just require an insurance document; they needed a partner who understood the entire lifecycle of a cherished asset. This insight is what fuels our commitment to providing a comprehensive service that transcends traditional insurance offerings.

We built VINTTRO to be a cohesive brand that bridges the gap between protection, preservation, and participation: By integrating these three pillars, we ensure that our clients receive not just insurance, but a complete suite of services that cater to their passions and investments.

• Protection: High-level Insurance Broking and bespoke risk management tailored to collectors and fleets.
• Preservation: Professional Car storage solutions that treat your vehicle with the same reverence you do.
• Participation: Exclusive European tours and community events that turn a solitary hobby into a shared lifestyle.

When you see the VINTTRO name, it stands for a standard of care that “run-of-the-mill” brokers simply aren’t equipped to provide. We aren’t just a service provider; we are the custodians of your passion, dedicating ourselves to each client’s needs and aspirations.

Passion First. Always.

We aren’t just “in” this business; we live it. We are the car enthusiasts, the restorers, the investors and the Sunday morning “coffee-and-drive” types. Each member of our team embodies the spirit of the automotive world, contributing to a culture that thrives on dedication and enthusiasm.

We know the difference between a rare homologation special and a mainstream collector’s piece because we and our community own them. We understand the adrenaline of finally landing a dream car and the weight of responsibility in protecting it. This personal connection drives us to offer the best solutions tailored to each unique situation.

This passion has become magnetic. It’s why our clients don’t just buy a policy; they become ambassadors. It’s why they tour with us across Europe, trust us to store their cherished assets, and choose us to manage their most complex risks. Our clients are part of our family and their stories inspire us to continuously improve our offerings.

Trust Built on 30 Years of “In-the-Trenches” Experience

Passion is a start, but it only carries weight when backed by hard-earned credibility. Our team brings over 30 years of individual experience in motor claims handling, catastrophic injury, underwriting, and reinsurance. This extensive background equips us with the tools needed to navigate the complexities of the insurance landscape effectively.

This isn’t a side hustle; it is the culmination of decades of industry knowledge applied with precision to a specific kind of client: people who view their vehicles as a lifestyle, not just transport. Our tailored approach ensures that every client receives the level of service they deserve while maintaining the unique character of their vehicles.

We’ve seen the gaps, the shortcuts, and the oversights that plague mass-market policies, not just for individual collectors, but for commercial fleets too. We created bespoke solutions to fix those gaps, ensuring that when the worst happens, the VINTTRO brand is the shield you can rely on. Each policy is crafted with the specific needs of the client in mind, ensuring comprehensive coverage and support.

A Brand That Stands for Something

We never wanted to be just another name on a policy document. We wanted to be the first call when someone buys a new classic, weighs up an investment, or simply wants to chat about the market for air-cooled Porsches or their listed building. Being that first call demonstrates our commitment to our clients and establishes trust that is hard to find elsewhere.

We didn’t set out to be the biggest; we set out to be the most trusted. We enhance enthusiasm, talk cars, lifestyle, strategy and business. Our ongoing dialogue with clients ensures that we remain at the forefront of the industry and continue to adapt to their evolving needs and interests.

At VINTTRO, your emotion is our passion. We celebrate every journey, every milestone and every triumph with you, ensuring that as your needs evolve, we evolve alongside you, providing the support and expertise that you can always count on.

Furthermore, our commitment to sustainability and ethical practices ensures that we are not only preserving the past but also safeguarding the future of automotive culture. We believe in contributing positively to the community and the environment, paving the way for a legacy that future generations can cherish.

As we look towards the future, we are excited to expand our offerings further, exploring new technologies and innovations that can enhance the insurance experience for our clients. This includes integrating digital tools that simplify policy management and facilitate communication, ensuring that you are always in touch with your dedicated VINTTRO team.

In addition, we are committed to education within the automotive community. We regularly host webinars and events that not only elevate the standard of knowledge among enthusiasts but also enrich their experience and understanding of their investments. Our goal is to cultivate an informed community that can confidently navigate the world of automotive ownership and investment.

SMMT warns the government that the new 3p per mile tax risks undermining crucial zero-emission vehicle targets for Electric Vehicles.

UK New Car Market: November Dip and the EV “Wake-Up Call”

The UK’s new car market faced a challenging November, with overall registrations falling by 1.6% to 151,154 vehicles. While a single-digit dip might seem minor, the data beneath the surface tells a more concerning story for the green transition. Crucially, the pure battery Electric Vehicles sector recorded its weakest year-on-year growth in almost two years, signalling a potential cooling in what has historically been a fast-accelerating market.

In November, 39,965 new pure electric vehicles were registered, marking a modest 3.6% increase from the same month last year. This was the smallest annual increase since late 2023, excluding the sharp contraction seen in December of that year which was largely driven by unique supply chain bottlenecks.

Consumer Hesitation & The ICE Preference

The Society of Motor Manufacturers and Traders (SMMT) attributed the overall market decline, the sixth monthly fall this year, primarily to a 5.5% drop in demand from private buyers. While fleet purchases saw a slight rise of 0.2%, the retail sector remains sluggish.

This stagnation suggests a widening gap between corporate adoption and individual consumer sentiment. Despite a record number of models now available in UK showrooms, private buyers are increasingly opting to stick with familiar petrol and diesel alternatives or are choosing to hold onto their existing vehicles for longer. The continued appeal of traditional Internal Combustion Engine (ICE) vehicles, coupled with persistent economic pressure, the increased cost of insurance and high upfront costs for new electric tech, is visibly slowing the pace of the transition among the general public.

A New Tax Burden: The 3p-Per-Mile “eVED”

The industry’s concerns were further amplified by the recent Autumn Budget. SMMT Chief Executive Mike Hawes issued a clear warning:

“Even in a fragile market, zero emission vehicle uptake continues to rise, which is exactly what we need. But the weakest growth for almost two years should be seen as a wake-up call that sustained increase in demand for Electric Vehicles cannot be taken for granted.”

A major point of contention is the Government’s decision to introduce a 3p-per-mile tax on Electric Vehicles (officially termed electric Vehicle Excise Duty or eVED) starting in April 2028. Chancellor Rachel Reeves introduced the measure to offset the long-term decline in fuel duty revenue. Under the new system:

• Electric Vehicle Drivers: Will pay 3p per mile.
• Plug-in Hybrid (PHEV) Drivers: Will pay 1.5p per mile.
• Annual Impact: For an average driver covering 8,000 miles a year, this equates to roughly £240 in additional annual taxes, on top of the standard VED rate.

While the Government has attempted to soften the blow by increasing the “Expensive Car Supplement” threshold from £40,000 to £50,000 for Electric Vehicles from 2026, industry leaders argue that the prospect of a “pay-per-mile” future may be deterring buyers today.

Mandate vs. Reality: The Sales Gap

The data reveals a growing friction between legislative targets and market reality. Electric Vehicles accounted for 22.7% of the total market share through the first 11 months of the year. While this is a record volume, it sits uncomfortably below the Government’s Zero-Emission Vehicle (ZEV) mandate, which requires manufacturers to hit a 28.0% sales target in 2025.

However, there is some nuance in how these targets are calculated. Green consultancy New Automotive suggests that once “flexibilities” such as trading credits and banking over-achievements from previous years, are accounted for, the effective 2025 sales target for many manufacturers is closer to 21.7%.

Even with these flexibilities, the industry is under immense pressure. Manufacturers are currently forced to rely on heavy discounting to move Electric Vehicle stock and avoid hefty fines, a strategy that many experts warn is unsustainable in the long term without more robust consumer incentives, such as VAT cuts on public charging or direct purchase grants.

Looking Ahead

As we move into 2026, the UK car market sits at a crossroads. The “early adopter” phase of electric vehicle ownership has largely concluded, and the industry must now find a way to convince the “mass market” that electric cars are not just a green choice, but a financially viable one. Without a reversal in private buyer sentiment, the path to 2030 remains steep and uncertain.

If your driveway looks more like a curated showroom than a parking space, you already know the struggle. Managing separate policies for your daily driver, your weekend classic and your project car is a logistical nightmare.

In the world of specialist vehicles, multi-car policies isn’t just a “bulk discount” it’s a smarter way to protect your passion. Here is why bundling is the ultimate move for any enthusiast looking to renew their car insurance.

1. Substantial Cost Savings

The logic is simple: you can only drive one car at a time. Specialist insurers recognise this reduced risk and offer significant discounts when you bundle your vehicles.

• The VINTTRO Advantage: We’ve negotiated exclusive market rates with our insurer partners. This means the more cars you add, the deeper the discount we can achieve per vehicle. Over time, these savings add up to a significant portion of your collection’s maintenance budget.

2. Management Made Simple

Let’s be honest: tracking five different renewal dates and five different sets of paperwork is a pain. Multi-car policies consolidates everything:

• One Renewal Date: Synchronise your calendar so you only have to think about it once a year.
• One Point of Contact: No more juggling different call centers; you speak to the same expert team every time.
• Uniform Terms: Ensure your level of protection is consistent across every vehicle you own.

Pro-Tip: You don’t have to wait for all your policies to expire at once. You can renew car insurance for one vehicle today to start the policy, and we can “roll in” your other cars as their current cover ends.

3. Consistent Coverage & Daily Drivers

A common misconception is that multi-car policies only apply to “matching” vehicles. At VINTTRO Cover, we provide the flexibility to include your everyday driver alongside your niche collection. Whether it’s a modern SUV for the school run or a high-performance supercar for the track, we ensure every vehicle has the specific level of comprehensive cover it requires, all under one roof.

4. Membership Perks

When you renew car insurance as a VINTTRO Community member (which is free to join), you unlock rates that have specifically been agreed with VINTTRO and aren’t always available to the general public. Our team works tirelessly to ensure that when your renewal comes around, we aren’t just sending a bill, we’re working to retain your business by finding the best possible market rates.

5. A Streamlined Claims Process

The true value of insurance is only felt during a claim. In the unfortunate event of an accident involving more than one of your vehicles (for example, a garage incident), having a single insurer makes the process significantly faster.

• No “Blame Game”: Dealing with one insurer means liability and settlements are handled internally and efficiently.
• Expert Support: You’ll have access to our unrivalled claims expertise to guide you through the journey.

Is a Multi-Car Policy Right for You?

If you own more than one vehicle, the answer is almost certainly yes. You’ll save money, slash your paperwork and enjoy the peace of mind that comes with enthusiast-led protection.

Why pay more for more hassle? Switch to a multi-car policy and experience the smart way to renew car insurance.

Get Your Bespoke Quote Today

Don’t wait for your next renewal to start saving. Speak to our specialist team on 0333 4042 007 to see how much you could save by bundling your collection with our multi-car policies.

Single Policy vs. Multi-Car Bundling

Feature	Single Policy (Individual)	Multi-Car Policy (Bundled)
Renewal Dates	Staggered throughout the year	One single date for everything
Paperwork	Multiple documents and providers	One document, one provider
Total Cost	Standard rates per vehicle	Significant discounts as more cars join
Claims Process	Contact multiple different insurers	One expert team handles all vehicles
Flexibility	High (choose different insurers)	High (add modern, classic, or niche)

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.

Over the weekend, the world of fine watchmaking witnessed another moment of horological history. Phillips achieved a record-breaking result with the sale of a Patek Philippe reference 1518, a stainless-steel perpetual calendar chronograph, one of only four known examples ever produced in this configuration.

To put that into perspective, in the 940s when Patek Philippe released the 1518, perpetual calendar chronographs were almost mythical. The 1518 was not only the world’s first serially produced perpetual calendar chronograph wristwatch, but it remained the only one of its kind, along with the later reference 2499, for much of the 20th century.

When the hammer finally fell, the watch achieved a staggering $17.6 million. A sum that places it not just in the record books, but in a category of its own, a league where horology, art and automotive legend intersect.

The Trophy League: Ferrari 250 GTO, Da Vinci, and Domaine de la Romanée-Conti

As Phillips so aptly described, “More than an endgame in watchmaking, the 1518 in steel is in the same trophy league as a Ferrari 250 GTO, a Da Vinci painting or a bottle of Domaine de la Romanée-Conti 1945. Desirable, impossible to obtain and category defining.”

The Ferrari 250 GTO reference is particularly fitting. Produced between 1962 and 1964, only 36 examples of the 250 GTO were ever made, making it one of the rarest and most coveted cars in existence. Each one is an exquisite balance of performance engineering and sculptural beauty, a masterpiece in motion.

When one changes hands today, the price tag can exceed £50 million. But much like the Patek 1518, the real value lies beyond numbers, it’s about provenance, craftsmanship, and legacy. Both represent the pinnacle of human artistry and mechanical perfection, transcending their original purpose to become timeless cultural icons.

For collectors, owning a Ferrari 250 GTO or a Patek Philippe 1518 in steel is not merely about possession. It’s about guardianship, being part of an unbroken chain of enthusiasts and connoisseurs who understand the profound blend of history, rarity and emotion that these creations embody.

Why Collectors Are Drawn to Parallels Between Horology and Motoring

There’s an undeniable synergy between fine watches and collectible cars. Both worlds are built on precision engineering, heritage and an unyielding devotion to craftsmanship. They also share a similar collector psychology, the pursuit of rarity, condition, provenance and story.

Just as Ferrari hand-built engines to deliver visceral, emotional power, Patek Philippe’s watchmakers assembled perpetual calendar chronographs with microscopic precision. Each is a work of art that functions under pressure, a living expression of mechanical poetry.

Whether it’s a V12 engine or a column-wheel chronograph, both are symbols of an era when mastery was human, not digital.

Legacy Beyond the Auction Room

The $17.6 million result for the Patek Philippe 1518 in steel is more than a headline, it’s a reminder that true scarcity and craftsmanship never lose their allure. In a world increasingly driven by algorithmic trends and mass production, objects like the 1518 or the Ferrari 250 GTO remain timeless benchmarks of excellence.

They connect generations, ignite passion, and affirm that in both horology and motoring, the greatest creations are not just owned, they’re cherished and preserved.

Protecting Icons: How VINTTRO Cover Helps Safeguard Valuable Assets

For collectors, the passion for acquisition is matched only by the responsibility of protection. Whether your collection includes a Patek Philippe 1518, a Ferrari 250 GTO, or other rare and irreplaceable assets, ensuring they are properly covered is essential.

At VINTTRO Cover, we specialise in protecting high-value assets, from multi-million-pound classic cars and supercars to fine watches and collections. Our bespoke insurance solutions are built around the unique needs of collectors and connoisseurs, offering:

• Agreed value cover — so you always know the insured amount reflects the true worth of your asset.
• Flexible storage and transport  — for vehicles that travel between shows, track events, or private collections.
• Discreet and expert service — handled by specialists who understand the nuances of provenance, authenticity and restoration.

Because when it comes to pieces as rare as a Patek Philippe 1518 or a Ferrari 250 GTO, traditional insurance simply isn’t enough.

Your passion deserves the same level of precision and care as the objects themselves, and that’s exactly what VINTTRO Cover provides.