Tailored insurance for high performance, modified and project cars.
It’s time to enjoy high performance vehicle insurance.
Custom insurance for your artistic expression.
Modified, performance and project car insurance.
Star Enthusiast Project and Performance Car Insurance protects highly tuned cars and passion projects. It’s a policy tailored to your high performance, modified or project car and your needs.
Key reasons to choose Star Insurance for your highly tuned car
A high performer needs high-performance insurance.
This policy is designed for tinkerers who are passionate about the look and performance of their vehicles. There are many reasons to choose Modified, Performance and Project Car Insurance, including:*
Certified value options available
Specialist repair options and specialist repair assessors
Our insurance policy extends to automatically insure spare parts for the vehicle
Insurance for specialist vehicles, such as race cars, stock cars, 4X4 vehicles, show cars, heavily modified vehicles and vehicles issued with a Low Volume certificate.
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.
High performers deserve the Star treatment.
We’ll protect the investment in your head turner.
We know that owners of performance, modified and project cars are a special breed. The latest from the likes of Tesla doesn’t spin your wheels.
You’re more into a GTR, WRX, Supra, Evo or R32 - R34, RX7, Familia, Laurel or something truly unique from the late 90s to early 2,000s. We fondly think of owners of these types of cars as serious, thought provoking petrol heads with a touch of class, who just happen to like expressing themselves through their rides.
We know that most drivers who purchase and modify their cars are more likely to take special care of them. And these cars are often not a daily runner.
We can even extend your policy to include ‘whilst driving on a race track or closed circuit’. This extension is available by application only. If approved, specific terms and conditions may apply and will be advised.
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.
“As a support service provider, it is important to us that insurers understand how communication, understanding and time affects our ability to provide great customer experiences on the ground. We have always found the team at Star to be knowledgeable, efficient and proactive. I have no hesitation in forwarding Star as an ideal company to fulfill your insurance requirements.”
What our customers think.
“Every time I deal with Star Insurance team they are friendly, efficient and helpful”
What our customers think.
“We always get great service from Star Insurance. They are knowledgeable, helpful and willing to work with us to provide insurance solutions for our clients needs.”
What our customers think.
“While working with Star Insurance assessors it made the job flow easy and was was good to communicate with and very helpful. I would happily work with them anytime.”
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.