Exclusive and collector car insurance
All Risks cover for supercars, limited editions and classics worth over EUR 100,000 — from the Lloyd’s market, for cars that are not your everyday vehicle.
InsurerLloyd’s of London, United Kingdom
BrokerLMIS Global (Europe) B.V., Amsterdam
- Lloyd’s of London policyAll Risks cover issued by an insurer from the Lloyd’s market.
- Licensed brokerLMISGE Broker is supervised by the Dutch AFM (licence no. 12047559).
- Over 7 years of experienceSpecialists in classic and collector cars.
What is this insurance?
All Risks cover
Protection against all risks of physical loss of or damage to the vehicle — theft, fire, collision, vandalism, natural events. No excess on glass claims.
Third-party liability — separate
The policy does not cover third-party liability. Compulsory motor liability (OC) is taken out locally in Poland — we will help you arrange it so your cover is complete.
For collectors, not for daily use
A product for cars with limited mileage, kept in a garage and driven occasionally. Every driver must have another vehicle for everyday journeys.
Who is this product for?
- The insured vehicle is not the proposer’s everyday car.
- The vehicle is worth more than EUR 100,000 (exceptions: portfolio renewals and classics within the insurer’s appetite).
- Mileage is limited and reflects the actual risk.
- The vehicle is not a mass-market product — exclusivity, price, limited production or collector value is what counts.
- When not in use, it is kept in a garage at the proposer’s address or in a professional, well-secured storage facility.
- The vehicle’s security measures match how attractive it is to thieves.
- The experience of all drivers matches the class of the insured car.
Underwriting conditions
The guidelines below describe the insurer’s standard appetite. Risks outside them (e.g. younger drivers, higher mileage) may be considered individually on referral.
Value above EUR 100,000
The purchase price of the vehicle exceeds EUR 100,000. Classics of lower value — individually, within the insurer’s appetite.
Minimum premium EUR 1,500
The minimum annual premium is EUR 1,500 excluding taxes.
Up to 8,000 km per year
Mileage limit of 8,000 km. Not every vehicle qualifies — decision on referral.
Garaging
When not in use, the vehicle is kept in a locked, secured building.
Security and tracker
Approved security devices; a tracking device is required for vehicles less than 10 years old.
Named drivers aged 26+
Driven only by named drivers over 26 with documented experience of cars in this class. Younger drivers — exceptionally, on referral.
Own car for daily use
Each named driver has their own vehicle available for everyday use.
Experience
Previous ownership or driving of vehicles of a similar class to those proposed.
Glass without excess
Glass claims are settled with no deductible.
Accepted makes and models
An indicative list of manufacturers within the insurer’s appetite. It is not a closed list — new models reach the market and older vehicles become classics over time.
| Manufacturer | Accepted models |
|---|---|
| Alfa Romeo | Classic models, older than 15 years |
| Alpine | Classic models, older than 15 years |
| Ariel | All models, depending on value |
| Ascari | All models |
| Aston Martin | All; SUVs (e.g. DBX) with a mileage limit |
| Audi | Classic models, older than 15 years |
| Austin Healey | Classic models, older than 15 years |
| Bentley | All; everyday models (e.g. Bentayga, Continental) with a mileage limit |
| Bizzarrini | All models |
| BMW | Classic models, older than 15 years |
| Brabus | Individually (referral) |
| Bugatti | All models |
| Cadillac | Classic models, older than 25 years (e.g. Eldorado, Coupe De Ville from the 1950s) |
| Chevrolet | Classic models, older than 25 years |
| Citroën | Classic models, older than 25 years (e.g. SM, Traction Avant) |
| Dallara | All models |
| Delage | All classic models |
| De Tomaso | All models |
| Donkervoort | All models, depending on value |
| Ferrari | All; SUVs (e.g. Purosangue) with a mileage limit |
| Gordon Murray Automotive | All models |
| Hennessey | All models |
| Honda | Classic models older than 20 years and the NSX |
| Jaguar | Classic models, older than 25 years (e.g. E-Type, XK) |
| Koenigsegg | All models |
| Lamborghini | All; SUVs (e.g. Urus) with a mileage limit |
| Lotus | Classic models, depending on value; no new electric versions |
| Maserati | All; SUVs (e.g. Levante, Grecale) with a mileage limit |
| McLaren | All models |
| Mercedes-Benz | Classic models older than 15 years; AMG GT and very high-value limited editions |
| Nissan | Classic models, older than 20 years |
| Noble | All models |
| Pagani | All models |
| Porsche | 911 only — especially limited editions (GT, RS, 918, Clubsport); no Macan, Cayenne or other SUVs |
| Rimac | Only as part of a larger collection, on referral |
| Rolls-Royce | All; SUVs (e.g. Cullinan) with a mileage limit |
| Singer | All models |
| Zagato | All models |
The list is indicative only and does not constitute a closed catalogue of vehicles covered by the product.
How to get a quote
- Complete the quotation request — The form below mirrors the insurer’s proposal form — proposer, drivers, vehicles, security and claims history.
- We check it and pass it to the broker — We verify the data is complete and forward the request to LMISGE Broker, who places the risk at Lloyd’s.
- You receive a quote — We present the terms, premium and any additional requirements (e.g. tracker, garage description, photo documentation).
- We bind the policy — Once the proposal is accepted, cover starts. No cover is in force until the proposal has been accepted.
Quotation request
Fill in the form — the more precise the details, the faster we can prepare a quote. Sending takes a moment, and answering the Yes / No questions reveals extra fields only where they are needed.
The information on this page is for information purposes only and does not constitute an offer within the meaning of Article 66 of the Polish Civil Code. The scope of cover, exclusions and limits are set out in the insurance contract and the terms of the insurer placing the risk at Lloyd’s of London. LMISGE Broker is a trading name of LMIS Global (Europe) B.V., Olympisch Stadion 24–28, 1076 DE Amsterdam, licensed by the Dutch Authority for the Financial Markets (AFM, no. 12047559). No insurance cover is in force until the proposal has been accepted by the insurer.