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.
Frequently asked questions.
So what do you think? Got some questions?
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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.
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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.
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It is very difficult to find insurance for a vehicle whilst you are participating or competing in a motor race. It is more common to be able to purchase race car insurance that provides insurance whilst the race car is being transported to motorsport events or being stored between events. Costs can vary significantly based on the different values of race cars, the value of parts and accessories, where they are stored along with a number of other variables.
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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.
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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.
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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.
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Yes, you can insure modified cars. It is a very good idea to advise your insurer that your vehicle is modified, what type of modifications they are, who has done the modifications and whether they are certified by a professional. Some insurer’s can also provide insurance policies if you are in the process of modifying your vehicle but have not completed the modifications.
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It is very difficult to find insurance for a vehicle whilst you are participating or competing in a motor race. It is more common to be able to purchase race car insurance that provides insurance whilst the race car is being transported to motorsport events and being stored between events. Star Insurance motorsport insurance provides off-track insurance for the vehicle including insurance for associated spare parts.
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“Every time I deal with Star Insurance team they are friendly, efficient and helpful”
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“Geat policy coverage and very competitive premiums and very easy to deal with.”
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“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.”
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“Dealing with Star is easy and quick with prompt quote response times, plus fantastic policy coverage.”
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“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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“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.”
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“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.”
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“I always get a very quick response to my emails from Star and quotes are always very clear and competitive.”
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“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.”
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“Always good people to deal with at Star”
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“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.”
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“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.”
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“Star underwriters and claims team are proactive and efficient. Theyre always happy to discuss a risk/issue, and incredibly efficient!”
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“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.”
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“Star consistently provide my clients with great terms and exemplary service. A pleasure to deal with over the past 10 years.”
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“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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“Great Products and Great service
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“Star Insurance are a friendly team and willing to find solutions if they can otherwise they explain in detail why that cant.”
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“Great rates and cover.”
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“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 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.