Specialist Vehicle Insurance

Specialist Vehicle

KGM has the specialist vehicle knowledge and the flexibility to provide bespoke quotes tailored to your client’s needs.

Types of specialist vehicles we cover

We cover a wide range of specialist vehicles, including but not limited to:

  • American classics
  • Kit-cars
  • Custom cars
  • Off-road vehicles (4×4)
  • Vintage cars
  • Military vehicles
  • Agricultural vehicles
  • Motorhomes

What our specialist vehicle policy covers

  • Loss or damage as a result of accidental damage, malicious damage and vandalism, fire, self-ignition, lightning, or explosion, and theft or attempted theft
  • Spare parts and accessories up to 10% of the policy up to £1000 for any individual part
  • Replacement locks up to 10% of vehicle’s market or agreed-value up to £750 for a single incident
  • Unlimited audio and satellite equipment cover if fitted by manufacturers
  • Glass and windscreen cover up to £500
  • Child seat replacement
  • Personal belongings cover up to £300
  • Up to four named drivers
  • Legal costs and damages as a result of an accident
  • Foreign use in EU countries

This list is not exhaustive. Please refer to the policy document for more details.


  • Agreed-value cover
  • Wedding hire
  • Show hire
  • Extended foreign use cover for social, domestic, and pleasure purposes (see policy document for further details)

Additional benefits of the specialist vehicle policy

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Bespoke claims service

We are flexible in a claims situation, giving policyholders the option to take the car to their repairer of choice or to use our approved network of experts.

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Multi-vehicle cover

Collectors can receive a discount for placing several vehicles on the same policy.

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Salvage retention

In the event of a total loss, we may allow your client to retain ownership of the vehicle to build up again.

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Owners' club discounts

We reward members of many owners' clubs including Ferrari, Aston Martin, and Jaguar.

Benefits of the KGM service

Direct access to underwriters

At KGM, our broker-partners get direct access to our expert motor insurance underwriters. We take the time to get to know you and use our specialist knowledge to tailor our products to fit your client’s needs – making it quick and simple to find the best deal for your clients.

Operational efficiency

With a streamlined process involving minimal paperwork, our underwriters make the decisions themselves in real-time. We give our broker-partners a fast turnaround of quotes and documentation, making the process as fast and as smooth as possible.

Customisable products

Our products are designed to be flexible. We consider your client’s needs and experience to create a unique policy that is tailored to them. Designed and underwritten by specialist motor insurance experts.

Specialist motor underwriting services

KGM have been providing specialist motor insurance for 60 years, covering vehicles from kit cars to tanks, and everything in-between.

Military Vehicles

Specialist Military
Kit car

Kit Cars

Agricultural Vehicles

Agricultural Vehicle
Motor Home

Motor Homes

Classic Cars

Classic Car
Zurich logo

A+ rated specialist motor insurance

We have an A+ rated capacity through our provider, Zurich, with a primary line of £130 million.

We're here to help

If you are a broker or intermediary wishing to make an enquiry, please use the form below or call us on 0208 5301833. For clients wishing to discuss a new or existing policy, please contact your broker directly. 

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