Rolls-Royce Insurance
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.
What makes insuring a Rolls-Royce so distinctive?
The cost of a new Rolls-Royce ranges from approximately ÂŁ350,000 for a Ghost to well over ÂŁ500,000 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.
What models can we insure?
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.
Current Production Models
- Rolls-Royce Phantom – The flagship model represents the absolute pinnacle of luxury motoring, with extensive bespoke options that can significantly impact insurance requirements and valuations.
- Rolls-Royce Ghost – The more driver-focused model in the range, offering dynamic performance alongside traditional Rolls-Royce luxury and requiring tailored cover for its advanced technology.
- Rolls-Royce Cullinan – The luxury SUV brings Rolls-Royce refinement to all-terrain capability, with unique insurance considerations for both on and off-road use.
- Rolls-Royce Dawn – The convertible model requires additional considerations for soft-top cover and weather protection systems.
- Rolls-Royce Wraith – The most dynamic model in the current range, with performance characteristics that may influence insurance requirements.
Classic and Heritage Models
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.
What factors influence your Rolls-Royce vehicle insurance premium?
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:
- Vehicle Value – Higher vehicle prices and bespoke specifications lead to increased premiums
- Driver Profile – Age, driving history, and location play crucial roles in premium calculation
- Usage Patterns – Vehicles used for daily driving incur higher premiums than those used occasionally
- Security Measures – Advanced security systems and secure storage can help reduce premiums
- Annual Mileage – Lower annual mileage typically results in reduced premiums
- Bespoke Features – Extensive personalisation affects both value and replacement cost
- Cover Level – Higher cover limits and lower excesses increase the overall premium
Storage and Security
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.
Driving Experience and History
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.
Bespoke Specifications
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.
What coverage options are available for your Rolls-Royce?
Our insurer’s policies can be tailored to include a wide range of cover options designed specifically for luxury vehicle ownership.
Core Cover Elements
- Comprehensive Physical Damage – Protection against collision, theft, vandalism, and other perils that could affect your Rolls-Royce.
- Third Party Liability – Mandatory cover that protects you against claims from other parties in the event of an accident. For Rolls-Royce owners, we recommend higher liability limits given the high-profile nature of these distinctive vehicles.
- Agreed Value Protection – Unlike standard policies that use depreciated values, agreed value cover ensures you receive the full agreed-upon value of your Rolls-Royce in the event of a total loss, including any bespoke features.
Optional Enhancements
- Worldwide Cover – For owners who travel internationally with their Rolls-Royce, we can arrange global cover to protect your investment wherever your journeys take you.
- Bespoke Features Cover – Specific protection for unique personalisation, custom paint finishes, and one-off interior features that may not be covered under standard policies.
- Key and Technology Replacement – Modern Rolls-Royce vehicles feature sophisticated key systems and technology that can be extremely expensive to replace.
What makes Chris Knott different for luxury vehicle coverage?
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.
Frequently Asked Questions
While there are no absolute age restrictions, most specialist insurers prefer drivers to be over 25 with a clean driving record. However, each case is assessed individually, and factors such as driving experience, storage arrangements, and intended use can influence eligibility.
Formal qualifications aren’t typically required, but insurers do look favourably on drivers with experience of luxury or high-value vehicles. Some may require completion of advanced driving courses, particularly for younger or less experienced drivers.
Extensive personalisation through the Bespoke programme can increase premiums as it raises the vehicle’s value and replacement cost. However, unique features also make the vehicle less attractive to thieves, which can partially offset this increase.
With our agreed value policies, you’ll receive the full agreed value of your Rolls-Royce minus any applicable excess. This includes the value of any bespoke features, providing certainty about your financial protection.
Yes, we can arrange collection policies for owners with multiple vehicles. This often provides cost savings and simplifies administration with a single renewal date and policy document covering your entire fleet.
For straightforward cases with experienced drivers and secure storage, we can often arrange quotations within 24 hours and provide immediate cover upon acceptance. Cases involving extensive bespoke work may require additional time for proper valuation.
You’ll need standard documentation including driving licence details, vehicle registration documents, and details of any bespoke features. For agreed value policies, documentation of the vehicle’s specification and any personalisation work may be required.
We understand that Rolls-Royce owners often have preferred specialists for their vehicles. While we work with a network of approved repairers, we can often accommodate requests to use specific specialists, subject to our insurers’ approval.
Ready to protect your Rolls-Royce with specialist coverage that understands the prestige behind ownership? Contact our experienced team today for a comprehensive quotation tailored to your specific requirements. Our UK-based specialists are here to ensure your exceptional vehicle receives the exceptional protection it deserves.
