Ordinary motor insurance policies insure ordinary cars. If your car is extra-ordinary in terms of performance or value you will want a special policy.
Whilst many cars can be insured under an “owners club” arrangement, more flexibility is normally available if combined with a high value household policy, often resulting in a more realistic approach as to who may drive.
The personal insurance marketplace, whether for homes or car insurance for example, is very good at providing policies on a lowest common denominator basis. Standard home and motor insurance is largely sold with a one size fits all approach. When it comes to more unusual cover, high performance vehicles for example, you need a specialist insurer. Using a broker helps to deal with three areas. Knowledge of the market, selection of the right policy in terms of cover, and negotiation of the best quote.