It’s a common request for niche car owners: “Would you mind taking my son to his prom in your beautiful car?” Often, it’s a pleasure to say yes, especially for a close friend or family member. However, before you start polishing the bonnet, there is a critical consideration: your insurance cover. Using your car for a prom or wedding without the correct policy could land you in serious legal and financial trouble.

Standard Insurance vs. “Hire and Reward”

If you transport someone in exchange for money—even if it is just to cover fuel or wear and tear—it may be classed as “hire and reward.” Technically, you are operating as a chauffeur service, which standard car insurance does not cover.

Even if no money changes hands, insurers may view the event as “non-standard use” if it involves specific schedules, multiple trips, or decorations. This creates a “grey area” that could leave you unprotected.

The Risks of Invalidating Your Policy

Driving outside your agreement terms is a massive gamble. If your policy is invalidated, the consequences are severe:

• No Accident Cover: You will be 100% responsible for all repair costs.
• Personal Liability: You could be held personally liable for third-party injuries, potentially costing tens of thousands of pounds or more.
• Legal Penalties: You risk fixed penalty fines of £300, 6–8 penalty points, and even prosecution for driving without valid insurance.
• Future Costs: An insurance violation can lead to significantly higher premiums or difficulty getting cover in the future.

Note: Police often increase roadside checks during prom and wedding season. If you are found to be using the vehicle for hire without the right cover, your vehicle can be seized on the spot.

How to Do It Safely

The good news is that you can still enjoy these special days. Specialist event cover is available and can often be added to your existing policy to ensure:

1. You are fully legally compliant.
2. You have total peace of mind during the journey.
3. The passenger, the public, and your car are protected.

Pro Tip: If you are offering the ride as a genuine gift with no payment involved, call your broker anyway. Many insurers may approve it as a one-off gesture of goodwill if notified in advance.

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Need Specialist Event Cover?

Don’t let a celebration turn into a claim. At VINTTRO Cover, we arrange policies specifically designed for luxury, classic, and high-performance cars, including event-based cover.

Talk to us today about adding Wedding or Prom cover to your policy

If you drive a standard hatchback, you’ve probably heard the rumours: “Buy your insurance exactly 21 days before renewal at 3:00 PM on a Tuesday to save 15%.” In the world of mainstream, algorithm-driven insurance, there’s some truth to that. But for those of us who drive something a little more interesting, the rules of the road are different when you look to renew niche car insurance.

What Exactly Is a “Niche” Car?

Before we talk timing, let’s define the category. At VINTTRO Cover, we define a niche vehicle as anything that sits outside the “standard” box:

• Classics & Future Classics
• High-Performance Cars, Luxury Cars & Supercars
• Modified Vehicles (from engine swaps to aesthetic kits)
• Recreations, Kit Cars & Ex-Military Vehicles
• Motorhomes & Campervans

Does the “Golden Window” Exist to Renew Niche Car Insurance for Specialists?

The short answer? No. Standard insurance prices fluctuate based on time-sensitive algorithms. However, niche insurance relies on specialist underwriting. This means a human expert evaluates the actual risk, provenance, and condition of your vehicle rather than a computer chip chasing a daily quota.

Whether you call us at 8:00 AM or 11:00 PM to renew car insurance, your premium is determined by stable, precise factors:

• The Vehicle’s Story: Its age, condition and rarity.
• Security: Where it sleeps at night (locked garages or professional secured storage).
• Usage: Annual mileage and whether it’s a daily driver or a weekend joyride.
• The Collector Factor: Is it part of a wider collection?

The Verdict: You don’t need to “game the clock.” The best time to renew car insurance is simply early enough to allow your broker to negotiate the best bespoke deal for you. We recommend starting the conversation 30 days before your current policy expires.

Should You Stay Loyal or Shop Around?

It’s a common frustration: you’ve been with an insurer for years, yet your renewal quote jumps up without explanation. Conversely, some “faceless” comparison sites are impossible to reach when you actually need to make a claim and talk to someone.

At VINTTRO Cover, we believe in a middle ground. As an independent broker, we do the shopping for you. We prioritise personal service over automated queues, ensuring you get a competitive rate to renew car insurance without sacrificing the support you need during a claim.

3 Proven Ways to Lower Your Niche Premium

Since timing won’t “hack” the price when you renew car insurance, here is what actually will:

1. Join a Car Club: Insurers view club members as responsible enthusiasts. Membership in the VINTTRO Community or a recognised marque club often triggers significant discounts.
2. Audit Your Mileage: If you’ve only done 2,000 miles this year on a 5,000-mile policy, let us know. Lower risk equals lower premiums.
3. Consolidate Your Cover: Multi-car policies are often more cost-effective because insurers know you can’t drive all your vehicles at once!

Never Miss a Beat (or a Renewal)

Gaps in cover aren’t just risky; they can lead to hefty fines and points on your license. To take the stress out of the process when it’s time to renew your niche car insurance, we developed the VINTTRO Hub.

It’s a digital garage where you can set automatic reminders for your Insurance, MOT and Servicing. We’ll also reach out about a month before your policy expires to ensure your “pride and joy” stays protected without a single day’s gap.

Ready for a Quote That Fits?

Don’t leave your specialist vehicle to a general algorithm. Speak to our team of enthusiasts today to renew car insurance with the experts.

Call us on 0333 4042 007 — we’re ready when you are.

Many high-profile business leaders and entrepreneurs have turned their love for rare and niche cars into a defining part of their lifestyle. Here, we take a look at some notable examples of the icons and the machinery they cherish.

Ralph Lauren

The iconic fashion designer and entrepreneur has a car collection that rivals world-renowned museums. Lauren views cars as an extension of his creative vision, reflecting a blend of craftsmanship and style that aligns with his fashion empire.

• 1962 Ferrari 250 GTO: One of the most coveted cars in the world, valued at over £50 million.
• 1938 Bugatti Type 57SC Atlantic Coupe: An ultra-rare masterpiece with only two surviving examples.
• 1955 Jaguar XK120 Roadster: A sleek classic that embodies the elegance of post-war British design.

Elon Musk

While synonymous with the electric revolution, Musk has a soft spot for automotive history. His most famous purchase is “Wet Nellie” the 1976 Lotus Esprit from the James Bond film The Spy Who Loved Me. For Musk, owning a piece of cinematic and engineering history aligns with his drive for innovation.

Richard Branson

The Virgin Group founder is known for his adventurous spirit, which is reflected in his choice of a 1968 Morris Mini Cooper S. It is a quintessential British classic that captures Branson’s quirky, rebellious, and quintessentially “British” brand identity.

Jay Leno

While a legendary entertainer, Leno is business leader who created a massive “brand” in the automotive world. His collection features over 180 rare cars, including:

• Duesenberg Model J: A symbol of 1920s American luxury.
• McLaren F1: Widely regarded as the greatest supercar ever made, representing the pinnacle of modern engineering.

Bill Gates

The Microsoft business leader, entrepreneur and co-founder is a devoted Porsche ambassador. His most notable classic is the 1979 Porsche 911 Turbo. Gates has always been fascinated by precision engineering, and his collection reflects his admiration for technological perfection.

Noteworthy Models Adored by Icons

If you’re curious about which models consistently grab the attention of the world’s elite, here is a quick rundown:

• Shelby Cobra 427: The ultimate symbol of raw American muscle.
• Ferrari 250 GT California Spider: Often cited as the epitome of Italian elegance.
• Mercedes-Benz 300SL Gullwing: A blend of engineering marvel and iconic design.
• Jaguar E-Type: Famously called “the most beautiful car ever made” by Enzo Ferrari.

What Drives This Passion?

Beyond aesthetics and performance, rare classic cars offer business leaders:

• A Creative Outlet: Engaging with history and design outside of the boardroom.
• Networking: Auctions and tours provide a unique space for high-powered individuals to connect.
• A Legacy Piece: These cars are appreciating assets to be passed down through generations, provided you have the right specialist insurance and estate planning in place.

Ready to Protect Your Most Valuable Assets?

Rare collections and investment cars that reflect your success and personal journey are not ordinary assets and they deserve more than a standard insurance policy.

Our specialist cover is designed for those who own rare, niche and investment cars as an integral part of our clients lifestyle. Whether you are safeguarding a period residence, a contemporary bespoke build, or a private collection of classic, performance or collector vehicles, we provide tailored protection built around your portfolio.

For multi-policies with agreed value for rare and niche vehicles, our approach ensures that your investment cars are protected with precision and discretion.

Speak to a member of our specialist team today to arrange a bespoke solution aligned to your lifestyle.

At VINTTRO Cover, we don’t simply help insure assets, we protect your legacy, your investments and the way you live.

If you are about to take out car insurance, you will undoubtedly be asked: “Would you like to add legal expenses cover?” It’s safe to say you aren’t alone in thinking, “I have no idea!”

We want to pull back the curtain on what legal expenses insurance actually is, why it matters, and how VINTTRO Cover handles things a little differently.

What is Legal Expenses Insurance?

In short, it’s designed to protect you against the costs of legal action, whether you are the one starting the claim or someone is bringing a claim against you.

• Single Car Policies: Usually, this cover is tied to one specific vehicle.
• VINTTRO Multi-Car: Unlike many standard providers, our multi-car policies cover all cars listed under the same legal expenses umbrella.

The “Pros”: Why bother adding it?

If you’re involved in a “non-fault” incident and need to recover losses (like your excess or lost earnings), a legal team handles the heavy lifting, gathering evidence and preparing your case.

Key benefits include:

• Cost Coverage: It covers solicitors’ fees, barristers’ costs, and court fees.
• Expert Guidance: Most policies include a free legal helpline for advice when you’re in a “what do I do now?” situation.
• Uninsured Loss Recovery: Helping you get back money that your standard policy doesn’t cover (like travel costs while your car is in the shop).

The Whiplash Factor

Recent legislative changes mean that for personal injury claims under £5,000, solicitors can no longer recover their fees from the other side. While you can submit a claim yourself via the OIC portal, legal cover ensures you have professional advice to navigate the process correctly.

Are there any “Cons”?

The main “con” is the one common to all insurance: you might pay for it and never use it. However, you have to weigh a small annual premium against the massive financial hit of a court case.

Note: Most policies have a claims limit (usually around £100,000). While generous, complex cases can eat through this, so it’s vital to know exactly what your specific policy covers.

Talk to us – 0333 4042 007

Our friendly, knowledgeable advisors at VINTTRO Cover are here to help. Whether you have questions about an existing policy or are looking for new cover, we’ve got your back.

When you own a classic, luxury, or high-performance vehicle, it’s more than just transport—it’s an investment, a passion, and a statement of taste. If you are involved in an accident, even a minor one, the quality of the repair is paramount.

Many owners don’t realise they have the legal right to choose their own repairer, even if their insurer pushes them toward a “preferred” high-volume body shop within their standard approved network.

The “Consumer Duty” Difference: Your Right to a Good Outcome

Under the FCA’s Consumer Duty regulations, insurance firms must act to deliver “good outcomes” for their customers. This means they should not put up “unreasonable barriers” that prevent you from pursuing your financial objectives, like maintaining the resale value of your car.

If an insurer forces you to use a garage in their approved network that cannot technically handle carbon fibre or bespoke paintwork, they may be failing in their duty to avoid “foreseeable harm” to your asset’s value.

Do You Really Have the Right to Choose?

Yes. In the UK, you are not legally obligated to use the repairer your insurance company suggests. However, how that choice is treated depends on your policy type:

• Standard Policies: May allow your choice but might “penalise” you with a doubled excess or by refusing a courtesy car if you go outside their approved network.
• Specialist Policies (like VINTTRO Cover): These are built with “Choice of Repairer” as a standard feature, understanding that a Ferrari or a vintage E-Type cannot be fixed at a “one-size-fits-all” garage.

Pro Tip: Look at your Policy Wording or IPID (Insurance Product Information Document) for a “Choice of Repairer” clause.

Why Specialists Matter for Prestige Vehicles

• Technical Engineering: Carbon fibre, hand-rolled aluminium, and complex electronics require marque-specific tools and training that general approved networks often lack.
• Genuine Parts: Specialist repairers insist on OEM (Original Equipment Manufacturer) parts. Standard insurers may try to use “non-genuine” or “matching quality” parts within their own approved network to save costs.
• Preserving Value: A poor paint match or a non-documented repair from a non-specialist approved network can wipe thousands off the resale value of a niche car.
• Warranty Protection: Under the Motor Vehicle Block Exemption Regulations, using an independent specialist does not automatically void your manufacturer warranty, provided they follow the correct procedures.

The Trade-Offs: What to Watch For

• The “Cost Gap”: If your specialist’s hourly rate is significantly higher than the insurer’s approved network rate, some insurers may ask you to pay the difference. Specialist policies are designed to bridge this gap.
• Increased Excess: Some mainstream insurers penalise you for going “off-network” or choosing a repairer outside of their approved network. Under Consumer Duty, we believe these costs should be transparently explained to you before you buy.
• Approval Time: Using your own repairer can involve a slightly longer approval process while engineers agree on the costs compared to a direct “green light” within an approved network.

Access the VINTTRO Specialist Network

At VINTTRO Cover, we give you the best options and guidance when it comes to niche car repair. We have curated our own Specialist Approved Network, which all our clients are able to tap into.

This is a carefully selected group of highly-qualified, audited partners who specialise in everything from localised paint repairs to full-blown structural restorations. By using our approved network, you get:

• Audited Quality: Partners are vetted by industry leaders like NOVOL.
• Specialist Knowledge: Expertise in historic marques, supercars, and investment-grade vehicles.
• Peace of Mind: Repairs that are fully warranted and performed by technicians who share your passion.

VINTTRO’S Top Tips for Owners

• Get a detailed estimate: You are generally only required to provide one estimate from your chosen shop.
• Verify Credentials: Ensure your repairer has manufacturer approval or belongs to a recognised body like the NBRA (National Body Repair Association).
• Document Everything: Request a certificate of repair and “before and after” photos for your car’s provenance file.

Final Thoughts

In the world of prestige motoring, compromise isn’t an option. Choosing a “cheap” policy from a comparison site might save you £50 today, but it could cost you thousands in diminished value later by forcing you into a standard approved network.

Under Consumer Duty, you deserve a policy that provides “Fair Value” which, for a prestige car owner, means a repair that returns the car to its exact pre-accident condition.

Don’t wait for an accident to find out where you stand. Talk to the experts at VINTTRO Cover – 0333 404 2007.

We’ve all been there: the dreaded “renewal” email lands in your inbox and suddenly you’re staring at a dozen tabs of comparison sites, confusing jargon, and skyrocketing premiums.

In a UK market that is increasingly complex and highly regulated, many people fall into the trap of choosing the “cheapest” policy from a catchy TV ad, only to find out, too late, that they aren’t actually covered when it matters most.

The Problem with “Going it Alone”

While comparison sites are convenient, they are algorithms, not advisors. Without professional guidance, you face significant risks:

• Under-insurance: Your policy might not cover the true value of your assets.
• Hidden Exclusions: Fine print that “repudiates” (rejects) your claim on a technicality.
• Rising Fraud: The increase in “Ghost Broking” and fraudulent schemes in the UK.
• Claims Inflation: Rising repair costs mean standard policies often fall short of modern needs.

How a Professional Insurance Broker Adds Real Value

A broker doesn’t just “find a price”; they act as your personal advocate. This is where VINTTRO Cover changes the game.

Feature	Buying Online (DIY)	Using VINTTRO Cover
Coverage	Generic / “One size fits all”	Tailored to your specific risk
Claims Support	You vs. a Call Center	Expert guidance through the whole process
Expertise	Limited to what’s on the screen	Decades of industry knowledge
Repair Quality	Often restricted by the insurer	Access to the premier accident management services

The VINTTRO Difference: Our “Claims First” Approach

Most insurance brokers stop working once they’ve sold you the policy. At VINTTRO, that’s where we start. Our Unique Selling Proposition (USP) is our extensive claims expertise that seamlessly runs alongside our insurance brokerage.

We understand that a claim is the “moment of truth.” We don’t just help you get insured; we ensure that if the worst happens, your claim is managed fast and efferently. From managing vehicle repairs to help recovering uninsured losses following a non-fault accident, we take the stress out of the process so you can get back to normal.

The bottom line: Insurance is only “expensive” if it doesn’t pay out when you need it. A good broker ensures your investment actually protects you.

Ready for a policy that actually protects you?

Don’t leave your most cherished assets to a search engine algorithm. Let our specialists find the right coverage for your lifestyle or business.

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Our History – When the original VINTTRO brand was incorporated over four years ago, our mission was singular: to serve car enthusiasts. We focused on the niche world of high-end sports cars, classics, and investment vehicles. We’ve enjoyed incredible success in that space, but as any collector knows, the best machines require tuning to stay at peak performance.

Our founder, Simon, believes that rebranding isn’t just about a new look, it’s about opening doors. Here are the two driving forces behind the new VINTTRO brand.

1. The Spirit of Evolution

Our owners, Simon, David, Jason and Stephen are firm advocates of change. In a fast-paced digital world, standing still is the same as moving backward. We believe a fresh identity revitalises our mission and keeps our energy aligned with the modern market.

2. You Asked, We Listened

We recently took a deep dive into our client database and discovered something fascinating: our customers want more than just car services.

Our members trust us with their most prized automotive assets, and that trust has led to a recurring question: “We love your car insurance services; can you handle my business and home insurance too?”

That was our lightbulb moment. Instead of being a brand renowned only for cars, we realised we needed to become a brand that supports our customers’ entire lifestyles.

A Fresh Start: More Than Just a Logo

To remain relevant and competitive, we are evolving and integrating the VINTTRO Brand into a technology-driven intelligence platform. This new infrastructure allows us to:

• Enhance the Customer Value Proposition: Providing collaborative products and services across both personal and business sectors.
• Stay Relevant: Aligning our image and messaging with the values and preferences of a new generation of consumers.
• Scale for Growth: Ensuring our brand and infrastructure can support our strategic goals for the next five years and beyond.

Standing Out in a Saturated Market

The insurance world is often seen as “mundane.” Simon’s vision has always been to challenge that by creating a business that, through creativity, rejects the everyday status quo. As he puts it: “Being a positive disruptor has always been my mantra in business.”

We aren’t interested in being another generic insurance broker lost in the noise of a saturated industry. Instead, we have evolved into a lifestyle brand where insurance broking serves as a vital part of our core infrastructure.

Our proposition is different because of how we engage our clients and how we link data to enhance their lifestyles, rather than just filling out a form. We believe that mainstream brokers who fail to diversify or think outside the box will struggle to remain relevant. By profiling our customers deeply, we can bring to market bespoke and compelling solutions that align perfectly with their personal and business activities.

By October 2026, we will be operating from our new physical premises, a niche environment like no other. This unique space is designed to be more than just an office; it is an environment where we will invite our customers and insurance partners to see first hand how we are integrating protection and peace of mind into their everyday lives.

Digital Innovation, Traditional Values

While we are embracing cutting-edge IT platforms and digital transformation, we haven’t forgotten the human element. You cannot insure a commercial fleet or a high-value collection through an app alone. We remain committed to the power of a physical conversation and formal meetings.

The New VINTTRO Brand Identity

VINTTRO is moving forward and we’re taking our passion for excellence with us.

Owning classic cars is about more than just possessing an old vehicle; it is about embracing a timeless passion and a unique lifestyle. The allure of a classic transcends the machine, offering a blend of nostalgia and craftsmanship that delivers a driving experience modern vehicles simply cannot replicate.

Nostalgia and Heritage

Classic cars embody history. Whether it is the celebrated curves of a Jaguar E-Type or the refined elegance of a vintage Rolls-Royce, every vehicle carries a legacy. These machines transport us to a bygone era, connecting us directly to the designers and engineers of the past.

Timeless Elegance and Beauty

One of the most captivating aspects of classic cars is there aesthetic appeal. They are often works of art on wheels, featuring meticulously crafted details and elegant lines that stand out in a sea of modern, aerodynamic uniformity. From gleaming chrome accents to the scent of aged leather interiors, these cars exude a charm that never fades.

A Visceral Driving Experience

Driving a classic is a sensory masterpiece. Take the sound of an analog Ferrari V8 from the 1960s or 70s: the roar of the engine paired with that iconic exhaust note and the metallic “click” of a gated shifter is like a personal orchestra.

Unlike modern cars, the steering in a classic communicates every nuance of the road. The absence of electronic driver aids heightens the connection between human and machine, turning a simple drive down a country road into a memorable event.

Hands-On Connection

Because they lack complex modern computer systems, classic cars are often more accessible to the enthusiast. Many owners find immense satisfaction in “tinkering” whether it is a simple tune-up or a full restoration. This hands-on approach does more than build mechanical skills; it deepens the bond between the owner and the car.

Community and Camaraderie

Owning a classic opens the door to a vibrant community. Events, from car shows and rallies to local club meets, it is a deeply social experience. Sharing stories, exchanging technical tips, and admiring the preservation of history fosters a sense of camaraderie that enriches your overall lifestyle.

Challenges and Rewards

Classic car ownership requires dedication. Finding rare parts, managing maintenance, and ensuring proper climate-controlled storage demands perseverance. However, the rewards are worth the effort. The satisfaction of maintaining a rare machine and the heads that turn as you glide by, makes every challenge worthwhile.

Conclusion Classic car ownership is a lifestyle choice that celebrates passion and individuality. Whether you are drawn to the grace of a vintage Mercedes-Benz or the raw muscle of an American Mustang, it is a journey filled with joy and the thrill of the open road.

If you’ve ever dreamt of owning a piece of automotive history, there has never been a better time to take the plunge. At VINTTRO, we don’t just understand the passion, we can help you protect your investment with bespoke insurance tailored to your collection.

At VINTTRO Cover, we’ve always been passionate about protecting vehicles that represent more than just transport. Whether it’s the mechanical heartbeat of a rare supercar, a classic that’s been lovingly restored, or a camper van built for the next great adventure, our mission has always been to deliver specialist cover that fits perfectly.

Now, we’re taking that commitment even further. We have significantly expanded our insurer panel and we are proud to announce what we believe is now one of the strongest niche car and vehicle insurance offerings available in the UK market today, thanks to our diverse insurer panel. Our enhanced insurer panel allows us to offer tailored solutions for every unique vehicle. This expansion of our insurer panel ensures we meet the evolving needs of our clients effectively. With our extensive insurer panel, we can provide unparalleled coverage options.

What This Means for Our Clients and Members

By growing our insurer panel, we have unlocked new levels of flexibility and protection. This expansion allows us to:

• Provide better cover: Tailored policies designed specifically for unique and specialist vehicles that mainstream providers often overlook.
• Offer more competitive premiums: With a broader range of specialist insurers on board, we can deliver greater value and choice.
• Cover virtually any niche vehicle: From daily luxury drivers to investment-grade assets, if it’s special to you, we can protect it.

Vehicles We Now Confidently Cover

Thanks to this expansion, our scope of cover has never been broader. We are now confident we can protect almost any niche vehicle, including but not limited to:

• Camper vans & motorhomes
• Classic cars & modern classics
• Rare and exotic supercars
• American muscle and hot rods
• Military vehicles & imported cars
• Investment collections
• Modified and custom builds (including bespoke luxury interiors)

In short, if it’s unique, unusual, or high-value, there’s a good chance VINTTRO Cover can insure it.

Why Choose VINTTRO Cover?

Our members aren’t just looking for a standard policy; they require specialist cover paired with a highly personal service. Much like a fine timepiece, a unique vehicle requires an intimate understanding of its intricate value, engineering heritage, and market rarity. By working with a diverse and carefully selected insurer panel, we go beyond the algorithm to match each client with the right protection for their specific vehicle and lifestyle.

Our appetite for excellence means we are uniquely positioned to place high-value risks that others simply cannot. Whether you are managing an elite collection of hypercars from the likes of Bugatti, Pagani, or Koenigsegg, or you are among the fortunate few securing the latest hybrid masterpieces from Ferrari, Rimac, or McLaren, we ensure your insurance is as sophisticated as the machinery itself.

Whether you’re cruising the coast in a bespoke motorhome, displaying a cherished modern classic at a show, or storing a rare, investment-grade collectible in your garage, you can drive (or relax) with total peace of mind knowing you’re properly protected. VINTTRO clients enjoy the assurance of our unrivalled knowledge of the specialist market and our discreet, expert claims management, ensuring that if the unexpected happens, your prized assets are in the safest hands in the industry.

Looking Ahead

This expansion is just the beginning. At VINTTRO Cover, we’re committed to continuously improving our offering to ensure our members always have access to the best insurance on the market, which also extends to fleet cars, vans, and comprehensive business insurance.

If you’ve got a specialist vehicle that needs cover, or you’re part of a car community where unique rides are the norm, VINTTRO Cover is ready for you.

Take Action Today

Explore our expanded niche insurance cover today and see how VINTTRO Cover can protect your pride and joy. To find out more about how we can help with your niche asset insurance requirements, please reach out to our specialist team.

• Call us: 0333 4042 007
• Email us: insurance@vinttro.co.uk

The FCA – Financial Conduct Authority has fined broker Martin Sarl £5,021.00 and permanently banned him from the financial services industry for acting without honesty or integrity.

Mr. Sarl, the sole director of Perry Prowse Insurance Consultants Ltd, failed to pass on client premiums to insurers between November 2017 and October 2019. This negligence meant that his customers were paying for protection they didn’t actually have, leaving them completely uninsured.

A Breach of Trust

The FCA investigation uncovered that Mr. Sarl diverted money from the firm’s client account to pay off personal and business debts. By law, client funds must be kept separate; by dipping into these accounts, Mr. Sarl breached fundamental client money rules.

Because the funds were misappropriated, there wasn’t enough money left to transfer the premiums to the insurance companies. This left families and businesses at risk of having home and car insurance claims rejected at their most vulnerable moments.

Hiding the Truth

When customers began to question the status of their insurance, Mr. Sarl knowingly hid the truth. He went as far as blaming a false “IT glitch” to cover his tracks.

The consequences were real: in one instance, a customer’s claim was rejected because the premium had never reached the insurer. They were left to face the financial fallout alone.

Therese Chambers, Joint Head of Enforcement and Market Oversight at the FCA, commented:

“Mr. Sarl’s customers trusted him to keep their money safe and to secure the insurance cover they needed. Instead, he helped himself to prop up his business and personal finances. He compounded this by lying to his customers… It is right that Mr. Sarl should be banned from the industry.”

The VINTTRO Takeaway

Stories like this are exactly why we emphasise transparency at VINTTRO Cover. When you insure through us, we don’t just go through the motions, we encourage and support you through the whole process up holding transparency at all times through out your customer journey together.

Your insurance requirements deserves more than a provider who cuts corners or hides behind “IT glitches.” We believe in total honesty, layered security and the peace of mind that comes from knowing your insurance is exactly where it should be.

Don’t leave your coverage to chance. Contact VINTTRO today to discuss our fully insured, secure storage options.