Subaru Insurance
Specialist insurance for Japan’s most versatile performance cars
When you own a Subaru, you’re driving one of the most distinctive and capable vehicles on the road. From the rally-bred WRX STI to the practical Forester, Subaru vehicles combine Japanese engineering excellence with all-weather capability that sets them apart. At Chris Knott Insurance, we understand the unique appeal of Subaru ownership, and we’re here to provide the specialist coverage your vehicle deserves.
Whether you own a turbocharged Impreza, the iconic BRZ, a reliable Outback, or any other model from Subaru’s diverse range, our experienced team has the knowledge and specialist insurer relationships to secure comprehensive protection for your prized vehicle.
What makes insuring a Subaru unique?
Subaru vehicles occupy a special place in the automotive landscape. Known for their distinctive boxer engines, symmetrical all-wheel drive systems, and rally heritage, these cars often require specialist understanding from insurers who appreciate their engineering and enthusiast appeal.
Many Subaru models, particularly the WRX STI, Impreza Turbo, and Legacy variants, are popular choices for modification and performance enhancement. This enthusiast following means that standard insurers may not fully understand the true value and specialist requirements of these vehicles.
The brand’s strong rally heritage and association with performance driving also means that Subaru owners often participate in track days, rally events, and driving experiences that require specialist coverage arrangements.
Our specialist insurers understand the Subaru community and can provide appropriate coverage that reflects both the practical and performance aspects of ownership.
What Subaru models can we insure?
Our specialist arrangements cover the complete Subaru range, from current production models through to classic imports and rare performance variants.
Current Production Models
- Subaru WRX and WRX STI – The flagship performance models that carry forward Subaru’s rally heritage with turbocharged power and advanced all-wheel drive systems
- Subaru BRZ – The rear-wheel drive sports car developed with Toyota, popular with driving enthusiasts and often modified for enhanced performance
- Subaru Forester – The practical SUV that combines Subaru’s all-wheel drive capability with family-friendly versatility
- Subaru Outback – The rugged estate that bridges the gap between car and SUV, popular with outdoor enthusiasts
- Subaru XV – The compact crossover that brings Subaru capability to a smaller, more urban-friendly package
Classic and Import Models
For owners of classic Subaru models including the legendary Impreza 22B, various STI versions, Legacy RS models, or rare JDM imports, we understand that these vehicles often require specialist agreed value coverage that reflects their enthusiast status and appreciating values.
Japanese imports, whether official or grey imports, require particular expertise as they may have different specifications, higher performance levels, or unique features not found on UK market vehicles.
What factors influence your Subaru insurance premium?
Understanding the elements that affect your costs helps you make informed decisions about coverage and risk management. Several factors impact the cost of insuring a Subaru:
- Model and Performance Level – Higher performance models like the STI typically cost more to insure than practical models like the Forester
- Modification Status – Declared modifications are assessed individually, with some potentially reducing premiums while others may increase them
- Import Status – JDM imports or grey imports may require specialist assessment and coverage
- Driver Profile – Age, driving history, and location all influence premiums, particularly for high-performance models
- Usage Patterns – Daily commuting versus weekend use affects risk assessment
- Security and Storage – Secure parking and additional security measures can help reduce premiums
- Annual Mileage – Lower mileage policies can offer significant savings for enthusiast vehicles
Enthusiast Considerations
Many Subaru owners are members of clubs or forums, participate in meets and events, or use their vehicles for specific activities like green laning or track days. Our insurers can take these factors into account when assessing risk and may offer preferential rates for club members.
Seasonal Usage
Some Subaru owners, particularly those with performance models, use their vehicles seasonally or for specific purposes. Our policies can be tailored to reflect these usage patterns, potentially offering cost savings for vehicles that aren’t used year-round.
What coverage options are available for your Subaru?
Our comprehensive policies can be tailored to include a wide range of coverage options designed specifically for Subaru ownership patterns.
Core Coverage Elements
Comprehensive Physical Damage – Full protection against collision, theft, vandalism, weather damage, and other risks. This is particularly important for modified or import vehicles where replacement parts may be expensive or difficult to source.
Third Party Liability – Essential coverage that protects you against claims from other parties. We recommend appropriate liability limits that reflect your circumstances and the performance of your vehicle.
Agreed Value Protection – Particularly important for classic, rare, or heavily modified Subaru vehicles where standard market valuations may not reflect true worth.
Specialist Enhancements
Modification Coverage – Comprehensive protection for declared modifications, ensuring your investment in performance or aesthetic enhancements is properly covered.
Import Vehicle Protection – Specialist coverage for JDM imports or grey imports that may have unique specifications or higher values than UK equivalents.
Track Day Coverage – Optional extension for owners who participate in track events, driving experiences, or motorsport activities.
Breakdown and Recovery – Particularly valuable for modified vehicles that may require specialist recovery or repair services.
What makes Chris Knott different for Subaru coverage?
Our approach to Subaru vehicle insurance is built on a genuine understanding of the brand and its community. Our team includes enthusiasts who appreciate the engineering excellence, modification potential, and unique character that make Subaru ownership special.
We maintain relationships with specialist insurers who share this understanding and have experience with the full range of Subaru models, from practical family cars to highly modified performance machines.
Our service means you’ll work with team members who understand your specific requirements, whether you’re insuring a daily-driven Forester or a track-focused STI build. Call us on 0800 917 2274 to speak with a specialist and get cover that fits your Subaru perfectly.
Frequently Asked Questions
Yes, we specialise in covering modified Subaru vehicles. Our insurers understand the modification scene and can provide competitive coverage for everything from simple bolt-on modifications to comprehensive engine builds. All modifications must be declared and will be assessed individually.
Absolutely. We have extensive experience with JDM imports and grey imports, including models never officially sold in the UK. Our insurers understand the unique specifications and values of import vehicles and can provide appropriate coverage.
We can arrange track day coverage as an extension to your standard policy. This covers approved circuits and events, subject to specific terms and conditions. Many Subaru owners participate in track events, and we understand this aspect of ownership.
Competitive motorsport requires specialist coverage beyond standard policies. We can arrange appropriate motorsport coverage for rally, hillclimb, sprint, and other competitive events through our specialist motorsport team.
Yes, agreed value coverage is available for classic, rare, or significantly modified Subaru vehicles where standard market valuations may not reflect true worth. This includes models like the 22B, various STI versions, and rare import models.
Yes, we can arrange fleet policies for collectors or enthusiasts with multiple vehicles. This often provides cost savings and administrative convenience with a single renewal date covering your entire collection.
For standard models with straightforward requirements, we can often provide quotations within hours and immediate cover upon acceptance. Modified or import vehicles may require additional assessment time to ensure proper coverage.
For import vehicles, you’ll need standard documentation plus import paperwork, any modification details, and evidence of the vehicle’s specification and value. Our team can guide you through the requirements for your specific vehicle.
Ready to protect your Subaru with specialist cover that understands the passion 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 Subaru receives the expert protection it deserves.
The Subaru modification scene is one of the most active and sophisticated in the automotive world. From simple bolt-on modifications to comprehensive engine builds, our insurers understand the culture and can provide appropriate coverage.
Common modifications we regularly cover include performance exhausts, induction systems, intercoolers, suspension upgrades, brake enhancements, and engine tuning. More extensive modifications like engine swaps, turbo upgrades, or comprehensive builds require individual assessment but can often be accommodated.
It’s essential to declare all modifications to ensure proper coverage. Our team can advise on how different modifications might affect your premium and coverage options.
