Fully-optioned, customisable off-track motorsport insurance.
Concentrate on winning with our off-track motorsport insurance.
Motorsport insurance for enthusiasts and professionals.
We protect all your motorsport vehicles and assets.
Star Insurance Motorsport is the most comprehensive, customisable off-track insurance for motorsport individuals and teams. We don’t cover race cars on-track but the quality of our policy means you can concentrate on winning without the added fear of asset damage and loss.
Key reasons to insure with Star Insurance Motorsport
We protect your motorsport vehicles and assets.
This policy was developed to protect the assets and vehicles of motorsport teams heading to and from events and when in storage and at events off-track. Policy benefits for your motorsport assets include:*
Certified value options available
Our insurance policy extends to automatically insure spare parts for the vehicle
Discounts and package premiums for vehicle collections
Insurance for vehicles undergoing restoration
Insurance for specialist vehicles, such as race cars, stock cars.
Options for road registered and unregistered vehicles
Options to buy wreck back in the event of a total loss.
*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.
We deliver motorsport teams the Star treatment
Star Insurance knows and loves motorsport
Your race car is protected until it hits the race track. All your other assets including spare parts, tools and trailer are protected to and from the track and everywhere else, all the time.
Motorsport is an exciting industry with many moving parts that lead up to track days and events. It’s a huge investment that requires the right kind of race car, the right team and effort to bring the car together, along with a lot of skill and some luck on the day to reach the podium. It can all be lost if you don’t have the right motorsport insurance.
Our motorsport insurance policy was created to cover:
loss and damage of competition vehicles and property including vehicle parts and accessories
tools and trailers whilst at their storage facilities and at home
assets being transported to and from a race meeting in New Zealand or worldwide
assets in storage at an event; and when outside your accommodation at track events
your vehicle while it is being built, repaired or prepared for race day at a workshop
Your vehicles and assets against theft and fire.
We presently cover: Race cars, Speedway cars, Stock cars, Drifting cars, Circuit cars, Rally cars, Open wheelers and more.
Sometimes you just want a simple answer. Here it is.
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.
“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.
“Very friendly and efficient with competitive premiums.”
What our customers think.
“I reiterate my previous comments. Thank you to all the team at Star who deliver and live up to your company's expectations. Quotes/queries/renewals delivered in short time frame, questions answered, service with a smile, great informative magazine, excellent products and monthly visit in person appreciated in this busy work environment. Thanks for taking time to talk to ALL staff, not just senior brokers and for bonus chocolate treat! Your team are doing a great job supporting brokers and our industry, thank you.”
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 and asset details
What vehicle and assets do you want insured? 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.