Tailored insurance for the pinnacle of luxury motoring
When you own a Rolls-Royce, you possess more than just a motor car; you own a masterpiece of British engineering and craftsmanship that represents the absolute pinnacle of luxury. At Chris Knott Insurance, we understand the unique requirements that come with insuring these exceptional vehicles, and we’re here to source the tailored cover your Rolls-Royce deserves.
Whether you own a stately Phantom, the dynamic Cullinan, the spirited Wraith, or a classic Silver Shadow, our experienced team knows and tailors insurer relationships to secure protection for your prestigious motor car.
Excellent service from start to finish. The team took time to understand exactly what I needed and found me a great policy at a competitive price. Couldn't be happier with the whole experience.
Been with Chris Knott for over 5 years now. Easy renewal process and the team are always a pleasure to speak with. Proper UK-based advice you can actually trust.
After being let down by my previous insurer, Chris Knott made the whole process painless. Honest, straightforward, and friendly from the very first call. Highly recommend them.
Andy was brilliant - talked me through all the options clearly, no pressure, and found me a much better deal than the comparison sites. This is how insurance should be done.
I needed specialist cover for my classic Jaguar and Chris Knott sorted it quickly and at a great price. Really impressed with the level of knowledge and personal service.
Switched my home insurance after a recommendation from a friend. Very competitive premium and the whole thing was done in under 20 minutes. Very pleased with everything.
First-class service. I dealt with Emma who was patient, helpful and knew exactly what I needed for my thatched cottage. Got proper specialist cover, not a standard policy.
Genuinely good old-fashioned customer service. A real person who actually listens and helps you find the right cover. Wouldn't go anywhere else for my insurance now.
Had a claim last year and Chris Knott supported me throughout. Made a stressful situation much easier. Fair, fast, and professional - exactly what you want from a broker.
Renewed my multi-car policy today. Still the best value I've found anywhere and the team remembered me from last year. That personal touch really makes a difference.
Very helpful team, especially when I needed to add a modified vehicle to my policy. Talked me through everything and made sure I was properly covered. Excellent all round.
Chris Knott have been brilliant for my listed property - most insurers wouldn't touch it but they found me comprehensive cover at a sensible price. Grateful for their expertise.
Efficient, clear, and competitive. I ran through three comparison sites before calling Chris Knott and they beat them all. UK-based team made the whole thing painless.
Outstanding from start to finish. I've recommended Chris Knott to everyone I know - my parents, my sister, and even my colleagues. They never let anyone down.
The service is what sets Chris Knott apart. You get proper advice from people who understand insurance, not a script. Worth every penny and more.
The cost of a new Rolls-Royce ranges from approximately £350,000 for a Ghost to well over £500,000 for a bespoke Phantom. When you factor in the extensive personalisation options
available through the Bespoke programme, values can reach seven figures for truly unique commissions.
These substantial values, combined with the hand-built nature and bespoke craftsmanship, create unique insurance challenges that require dedicated handling. Every Rolls-Royce is essentially a one-off creation, with customers able to specify everything from unique paint colours to personalised embroidery and custom woodwork.
Rolls-Royce produces fewer than 6,000 vehicles annually across all models, making each car genuinely exclusive. This limited production means that standard insurance providers often struggle to understand the true value and replacement challenges associated with these vehicles, particularly when extensive bespoke work is involved.
The engineering complexity of modern Rolls-Royce vehicles also presents particular challenges. These cars feature advanced technology, including air suspension systems, sophisticated electronics, and hand-crafted components that require tailored knowledge to repair or replace. Our tailored insurers understand these complexities and can source appropriate cover that reflects the true cost of ownership.
Our tailored arrangements cover the complete range of Rolls-Royce vehicles, from the latest models featuring cutting-edge technology through to cherished classics that represent decades of heritage.
For owners of classic Rolls-Royce models, including the Silver Shadow, Silver Spirit, Corniche, or pre-war models like the Phantom III, we understand that these vehicles require specialised agreed value cover that reflects their historical significance and often appreciating values. Many classic Rolls-Royce models are now considered investment-grade collectables.
Understanding the elements that affect your costs helps you make informed decisions about cover and risk management. Several factors impact the cost of insuring a Rolls-Royce:
Where and how you store your Rolls-Royce significantly impacts your premium. Secure garage storage, particularly with additional security measures such as tracking devices, alarms, and immobilisers, can help reduce your premium whilst sourcing better protection for your investment.
Your personal driving record and experience with luxury vehicles plays a crucial role in determining your premium. Our insurers recognise that Rolls-Royce owners are typically mature, experienced drivers who understand the responsibility that comes with operating such valuable and distinctive vehicles.
The extensive personalisation options available through Rolls-Royce Bespoke can significantly impact insurance requirements. Unique paint finishes, custom interior work, personalised embroidery, and one-off features all need to be properly documented and covered.
Our insurer's policies can be tailored to include a wide range of cover options designed specifically for luxury vehicle ownership.
Our approach is built on genuine understanding and appreciation of these extraordinary vehicles. Our team includes specialists who understand that owning a Rolls-Royce is about more than transportation -- it's about experiencing the finest automotive craftsmanship and joining an exclusive community of discerning owners.
We maintain relationships with specialist insurers who share this understanding and have the expertise to properly assess and cover these unique vehicles. This means we can offer competitive premiums whilst ensuring comprehensive protection that standard insurers simply cannot match.
Our personal service approach means you'll have direct access to experienced team members who understand your specific requirements and can adapt your coverage as your needs change, whether you're adding vehicles to your collection or updating bespoke specifications. Call us on 0800 917 2274 to speak with an expert and tailor your cover to match your evolving collection.
The most common questions we're asked about Rolls-Royce insurance. Can't find what you're looking for? Speak to our UK-based team on 0800 917 2274.
Vehicle value is the main driver. A Phantom, Ghost or Cullinan can carry a six-figure repair bill for bodywork alone, and marque-approved paint, leather and woodwork all take time to put right. Through our specialist panel, we can often quote far more sensibly than a mainstream insurer, particularly with garaged storage, a tracker and limited annual mileage declared.
Yes, and for most pre-owned or collectible Rolls-Royces it's the sensible route. An agreed value fixes the settlement figure with your insurer upfront, so a total-loss claim on a Silver Shadow, Corniche or Wraith doesn't come down to a market-value argument. We'll help you put together the valuation evidence - photos, condition report and any recent servicing or restoration work.
We arrange cover across the full Rolls-Royce range - from pre-war tourers and Silver Cloud saloons to modern Phantoms, Ghosts, Wraiths and Cullinans. Classic models often sit on limited mileage policies with agreed value terms, while newer cars use full comprehensive cover. Tell us what you own and how you use it, and we'll match you to the right insurer.
Report it to the police to get a crime reference, then call your insurer's claims line as soon as possible. Most policies for high-value cars require a Thatcham-rated tracker, which massively improves the odds of recovery in the first 48 hours. Secure overnight storage and a keyless-theft-aware alarm typically bring the premium down at renewal too.
Yes, but hire and reward use (including chauffeur-driven executive travel or paid wedding hire with a Phantom or Ghost) sits under a different class of cover to a private policy. We can arrange either, but we'll need to know upfront how the car is used. Getting it on the right policy protects you if there's ever a claim.
If you own more than one car, a multi-vehicle policy usually makes the admin easier and can reduce your total premium. We arrange multi-car cover that sits a modern Cullinan alongside a classic Silver Shadow, a daily driver, or even a partner's car. Each vehicle keeps its own terms but renews on a single date.
Many of our Rolls-Royce customers are members of the Rolls-Royce Enthusiasts' Club or similar owners' groups. Several of our panel insurers recognise club membership as a sign of a careful, knowledgeable owner and will factor it into your quote. Mention your membership when you speak to us and we'll make sure it's reflected.
For most Rolls-Royce quotes we can have terms back the same day. Agreed value cases and newly imported cars occasionally need a valuation sign-off before we bind, but our UK-based team will tell you exactly what's needed and keep you informed at every step.
One broker, many kinds of cover - all handled by our UK-based team.
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ExploreEvery page is written and fact-checked by our UK-based insurance specialists. Chris Knott Insurance has been arranging cover since 1983.
Every rolls-royce insurance policy is different. Speak to our specialist UK-based team and we'll arrange a quote that properly reflects your property and circumstances.
