Fully-optioned, customisable off-track motorsport insurance.

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.

Usually cars aged over 25 years are considered classic cars. Different insurers have different considerations. Star Insurance Specialists have insurance policies for cars older than 25 years along with policies designed for younger cars but are used as project cars, enthusiast cars, and cars that are not driven every day.

Star Insurance Enthusiast has a comprehensive list of insurance benefits included in their Classic car and Enthusiast insurance policies. They also have specialist vehicle assessors covering New Zealand to ensure your vehicle is repaired correctly, using correct repair techniques and parts suitable to your vehicle.

Proportionally to the value of the vehicle, vintage and classic car insurance costs can be significantly cheaper than standard car insurance. However insurance prices can vary due to the age of the driver, the experience of the driver and where the vehicle will be stored, the vintage car experience of the insurer along with other factors they may take into consideration.

You should advise your insurance company that you use your car every day. Many insurance companies can still insure classic cars that are used every day. Star Insurance Specialists design their insurance policies specifically tailored for your individual circumstances.

Insurance is not compulsory for vehicles. However, if you cannot afford the monetary loss if something happens to your vehicle, project car insurance may be a good idea. If you had Project Car insurance it could also provide financial protection to you in the event you are responsible for any liability costs, such as damage to property if your project car burst into flames and burnt a building down.

It depends. Different insurers may or may not offer track day insurance, and if they do they may have different criteria from each other. Star Insurance Specialists can upon application, extend your insurance policy and provide you insurance for certain approved track days. Every track day and driver is subject to application, and are subject to specific terms and conditions that will be advised to the applicant.

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 schedule

Construction 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.