Star Modern Hobby is insurance for owners of special cars rarely driven.
High quality motor vehicle insurance for special vehicles.
This is not your everyday car.
The policy for premium owners of special cars rarely driven.
We designed Star Modern Hobby, to join our suite of Star Enthusiast policies, for discerning vehicle owners with a car that they play with on weekends or goes out on special occasions. This policy is prestigious, unparalleled and customisable with all the same benefits of Star Prestige but with a special premium.
To qualify for Star Modern Hobby you must also own a daily driver vehicle (although that car doesn’t have to be insured with us) and let us know what that is, as well as your nominated Modern Hobby vehicle (the one that leaves the garage rarely). We’ll then let you know your best insurance options. Special toys need special insurance, even if they are rarely driven and admired by the public.
With two or more special cars, you’ve got more options.
Get best in class protection for your toys.
Star Modern Hobby was created for owners of a prestige and hobby car where it only leaves the garage occasionally. Choose Star Modern Hobby and enjoy*:
A rating model based on your usage
A new replacement vehicle for up to 3 years if it’s uneconomical to repair your vehicle
Guaranteed purchase price payment if vehicle purchased ‘second hand’
Certified value options available
Contribution for rectifying the damage caused by incorrect refuelling
Genuine parts used in repairs to ensure the integrity of the manufacturer’s warranty
Business and private use included
*Terms and conditions apply. Not all benefits apply to all policies. Please refer to the policy booklet (and your schedule if issued) for further information or call us to discuss your specific needs.
For lovers of high quality cars.
Star Modern Hobby is prestige insurance minus the price tag.
Your prestige car would normally sit under our Star Prestige policy but because you don’t drive it often, Star Modern Hobby is the right policy for you. It has all the benefits of Star Prestige but with a premium that reflects your vehicle’s limited use.
It’s a great feeling when you achieve another dream car ownership goal. Yet you don't want to take your high-gloss artwork out too often so that you maintain its pedigree and value by not adding unnecessary miles.
Our chairman, John Baker, fits this insurance policy perfectly. You might say, we initially created Star Modern Hobby for John because we often write insurance policies that we personally want and that aren’t available on the open market.
As a european car aficionado, John owns several Porsches. One is his everyday car which he drives to zap all over the country. He insures that car using our Star Prestige policy. But one or two others are very special cars that he only drives rarely -- like when he really wants to show off his pride and joy. As a result, he gets a lower premium for his vehicles that leave the garage less often. Oh and we keep a quiet side eye on his mileage to make sure he’s not gaming our system, where he might otherwise be protected by our Star Prestige policy. :-)
Your collection of cars might include 911, Lotus, Z4, GT3, new Mustang or Mercedes, sports tourer, or another prestige model. To qualify for Star Modern Hobby you need to let us know which vehicle(s) are not seen on our roads very often, then we can let you know your best insurance options.
Star Insurance Specialists is NZ’s leading niche insurance specialists because we treat customers like family, not spreadsheet entries or statistics. Looking after family is what Kiwis do, and we’re 100% NZ-owned and operated.
Special toys need special insurance, even if they are rarely driven and admired by the public.
So what do you think? Got some questions?
Frequently asked questions.
Track Cover?
Upon application, we can extend terms to provide you cover for certain approved track days. Every track day and driver is subject to application, and are monitored and approved on a case by case basis.
My car is not garaged. Does this mean that we can not have cover under your policy?
Our preference is to have cars garaged but if your car is not garaged then we can still look at the risk and rate it appropriately. For example, your car may be behind a locked gate. We treat this just like a garage.
What KM limits are on my policy?
In short, there are none.
We don’t restrict mileage on your policy as we rate vehicles on how they are used. We understand that some years you may do a big tour, where other years, your vehicle will hardly leave the garage. We don’t restrict kilometres but do ask that you give us an accurate picture of how you are using your vehicle.
I have a collection of vehicles. Can you offer me a discount to reflect that I don’t drive these cars very often?
Yes, we can. We can tailor the policy to your individual needs and ensure that you have the best cover in the market at the most cost-effective premium.
My car is currently off the road; can you cover this whilst it’s laid up?
Yes, we offer a storage and restoration cover. Please refer to our Star Prestige, Enthusiast & Everyday policy wording and/or call one of our knowledgeable team to discuss.
Do you offer cover for the spare parts on my vehicle?
Yes, we do. Our policy has a standard limit of $5,000 for spare parts relating to your vehicle. You can increase this amount for an additional premium so please call one of our knowledgeable team to discuss your options.
Roadside assistance included?
Roadside assistance is available as an optional extension to your policy.
Currently, this can be purchased for an additional $59.95
Do you have a list of preferred repairers?
We are happy for you to take your vehicle to a repairer of your choice. If you need help finding a repairer, our assessors have a list of repairers we can suggest which are best suited for the type of vehicle you have.
Do photos of my damaged vehicle help the claims process?
Yes, photos are very helpful as they can show our assessing team what has been damaged before the vehicle is seen by a repairer. Please obtain accident site photos only if it is safe to do so.
I am under 25, can you insure me?
If you’re under 25 give us a call to see if we can embrace you and your vehicle of passion, because every vehicle we insure is based on our knowledge of the car, the market and the driver.
What is an excess?
An excess is an amount you must contribute towards the cost of repairs, or payment of a total loss settlement for each event that you have made a claim for.
If we have identified that you were not at fault in an accident and you have provided details of the 'at fault' party your excess may be waived or refunded to you.
When you say 'glass' does that include the windscreen?
Yes, when we reference glass, we include windscreens in this description. The description of glass also includes windows, headlights, taillights and the sunroof (if installed)
What is the difference between Market Value vs. Agreed Value vs. Certified Value vs. Fixed Value
Different insurance providers define the ways they offer total loss settlements differently. These are how we define our different total loss settlement options for motor vehicles.
Market value:
The reasonable sale price of your vehicle, as estimated by us, immediately before the loss taking into account:
a. the year, make, model and specification of your vehicle; and
b. the general condition of your vehicle, including mileage and hours;
but excluding the presence of any sign writing, vehicle wraps, or artwork on your vehicle unless otherwise advised and accepted by us in writing.Agreed value:
The lesser of:
a. the vehicle’s market value plus 20%; or
b. the sum insured.Certified value:
The value of the vehicle specified in a valuation prepared by a motor vehicle valuer recognised by us provided such value is accepted by us and stated in the schedule.Fixed value:
The value of your vehicle agreed by you and us and stated in the scheduleConstruction value:
The base vehicle cost together with all amounts spent restoring the vehicle as at the date of any loss covered by the policy.We can adjust certain policies to different settlement bases. Please contact us to discuss whether your policy can be adjusted to a different settlement basis.
What our customers think.
“Out of all the insurance company, we were happy to deal with Star Insurance. Assessor had given us very fair hours to complete our repairs. I am happy to do their work always.”
What our customers think.
“Star offer exceptional service. Easy to deal with and great policy wording.”
What our customers think.
“Ive found STAR to be quick and efficient, as well as providing competitive premiums / excesses and a sound product. I had to send an urgent quote request to STAR on a Friday at 4:50pm, I had terms back by 5pm and bound cover at 5:10pm. Most insurers and brokers wouldve been at the pub by that time and I didnt expect a reply and when it arrived, the client and myself were over the moon. Overall STAR are helpful, efficient and client focused.
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What our customers think.
“The team at Star insurance are great in what they do. They really value relationships, which in broker world is really important to us. They have always gone the extra mile to help and support us. You feel like you are treated as valued customers and they are always wiling to work with us. Our account manager Litisha has been so amazing in all her dealings with us. She knows our customers personally and provides an exceptional service all the time. Claims experience has been great as always as well.”
What our customers think.
“Recently due to a burglary, our family suffered the loss of a number of items. Star Insurance supported us through the event, even managing to recover some items of particular value that was very much appreciated. The supportive, personal and professional attention that was provided was second to none.”
What our customers think.
“Great Products and Great service
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What our customers think.
“Star Insurance are a friendly team and willing to find solutions if they can otherwise they explain in detail why that cant.”
What our customers think.
“I highly recommend using Star Insurance. The staff are always a pleasure to deal with, from sales to claims. They are helpful, the process is simple and you always get prompt responses. Great premiums with great policy wordings.”
What our customers think.
“For us the whole process was done in a timely and professional manner.”
What our customers think.
“Star underwriters and claims team are proactive and efficient. Theyre always happy to discuss a risk/issue, and incredibly efficient!”
What our customers think.
“Star Insurance have a great team who all make every step of the process easy. Their online system is very user friendly and the team are helpful, friendly and extremely efficient. I have nothing bad to say about Star Insurance.”
What our customers think.
“Star Insurance are my go to for hard to insure cars, motorbikes and for campervans. They are always prompt and efficient and respond to queries well within their estimate time frames. I would highly recommend them.”
What our customers think.
“Dealing with Star is easy and quick with prompt quote response times, plus fantastic policy coverage.”
What our customers think.
“Great rates and cover.”
What our customers think.
“I have been working with Star for the last year. I have never felt the need to put our customer with anyone else and John has been fantastic to work with.The turn around time for service is amazing and the prices are incredibly fair. The staff have a good understanding of the vehicles our customers want to ensure and this is reflected in the reliability that our customers and us as insurance brokers feel from Star. Thanks for all your hard work guys.”
What our customers think.
“I always get a very quick response to my emails from Star and quotes are always very clear and competitive.”
What our customers think.
“The staff at Star are always prepared to go above and beyond to help us and our clients achieve a favorable outcome. They are knowledgeable and helpful from underwriting and admin, right through to claims, making it a seamless and effortless experience every time we interact. They offer superior policy wordings that actually work when they are needed at claims time. I wouldnt hesitate to recommend Star to my clients.
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What our customers think.
“Always good people to deal with at Star”
What our customers think.
“Star consistently provide my clients with great terms and exemplary service. A pleasure to deal with over the past 10 years.”
What our customers think.
“Geat policy coverage and very competitive premiums and very easy to deal with.”
What do I need to get a quote?
- Personal details
Obviously we need to collect some personal details about you, including your driver’s licence info, date of birth, address and more. This helps to paint an overall picture of your policy application.
- Vehicle details
What vehicle do you want insured? What is its registration number? This information will let us see a lot more detail as we tap into the NZTA website. We’ll also ask how the vehicle is being used and how often.
- Your driving history
Have you started a collection of speeding tickets, had previous accidents, and/or any convictions? These are 3 of the 8 questions we’ll ask you as part of this process. Insurance is based on good faith, which is why it’s important to make honest statements about your driving history. Otherwise you may face consequences that were avoidable during a claim.
- We then receive your information
At this stage we have your information and your file is allocated a quote number which is immediately emailed to you. We’ll then personally review your application and prepare your insurance options.
If your application is received within business hours, we normally email your options back to you within 30 minutes. To view your options, click on the link in our email. Next, choose your preference along with any policy add-ons, then choose your policy start date (from the current day to 30-days in the future), choose monthly or annual payments and make payment. Presto, you’re insured.
Insurance is based on good faith. Which is why it’s important to be honest about your history, so that there are no dramas if you make a claim. We’re all about starting and maintaining good relationships. Why? Because trust and honesty are the foundation of lasting relationships.
