Why Compare Ferrari Car Insurance?
Top Of The Rating Curve
every current Ferrari sits in ABI insurance group 50 (ABI Group Rating, as at March 2026), the maximum band. Compare the mainstream panel first to see whether a quote returns for your model and driver profile.
High-Value Theft Target
supercars attract organised theft and shipping-ring activity, and most Ferraris are kept in secured garages. Compare providers that price security setup transparently.
Specialist Repair Cost
Italian specialist parts and main-dealer labour can push minor bodywork into four or five figures. Compare cover that handles supercar repair networks comfortably.
Ferrari Car Insurance At A Glance
- Same Legal Product - Ferrari car insurance is the same UK motor cover, regulated by the FCA and the DVLA, simply rated for a very high-group supercar.
- ABI Group 50 Across The Range - from the Roma to the SF90 Stradale and 12Cilindri, every current model sits at the maximum ABI group (ABI Group Rating, as at March 2026).
- Specialist Cover May Suit - mainstream comparison is a useful starting point, although higher-spec models, track use or agreed-value needs may sit better with a specialist supercar broker.
- Repair Costs Run High - Italian specialist parts and main-dealer labour mean minor bodywork replacements often run into four or five figures.
- Compare Quotes - see UK insurance providers priced for your specific Ferrari model and usage profile.
Is It Different For Ferrari Drivers?
It's the same legal car insurance product as any other UK car, but a Ferrari sits at the top of the rating curve and may need specialist cover for some uses:
- Maximum Group Rating - every current Ferrari is ABI group 50, so the mainstream panel may return fewer quotes than for a mid-group car
- Track Use Usually Excluded - track day driving is excluded by most standard policies and may need separate specialist track cover
- Agreed Value May Be Worth Looking At - for limited-run or appreciating models, a specialist supercar broker may handle agreed-value cover better than the mainstream panel
- Storage And Security Matter - most Ferraris are kept in secured garages, and declaring storage accurately may shape the quote sharply
Cover Levels Explained
Pick third party only on a £250,000 supercar and a single kerbed wheel could leave you with a five-figure repair bill on a write-off. Here's what each level includes.
| Feature | Comprehensive | Third Party, Fire & Theft | Third Party Only |
|---|---|---|---|
| Liability to third parties (legal minimum) | Yes | Yes | Yes |
| Fire and theft of your vehicle | Yes | Yes | No |
| Accidental damage to your own car | Yes | No | No |
| Windscreen and glass cover | Often included | Provider-dependent | No |
| Personal accident benefit for driver | Typically yes | Provider-dependent | No |
| Audio and in-car entertainment | Often included | Provider-dependent | No |
| Courtesy car while yours is repaired | Often included | Add-on | Add-on |
| EU driving (third-party level) | Yes | Yes | Yes |
| EU driving (full UK cover level) | Provider-dependent | Add-on | No |
| Uninsured driver promise (no excess if not at fault) | Often included | Provider-dependent | No |
Please note that policy features, benefits, terms and conditions vary among insurance providers, so always check the policy wording.
Cover Tip: Ferrari repair costs sit far above the UK average, and minor bodywork replacements can run into four or five figures using genuine parts and main-dealer labour. It's worth checking the policy wording for repair-network terms, courtesy car arrangements and any agreed-value clauses before buying.
What May Not Be Covered
A single exclusion can turn a track-day off into an unpaid five-figure loss. Here's what a standard Ferrari motor policy typically doesn't cover.
Standard Exclusions
- Driving While Disqualified or Unlicensed - Cover may be declined if you drive while disqualified, unlicensed, or with a lapsed licence. Keep your DVLA details up to date and notify any change promptly.
- Wear and Tear or Mechanical Failure - Routine ageing of parts, mechanical breakdown, and gradual deterioration are not insured events under a standard motor policy. Maintain Ferrari main-dealer or specialist service intervals to stay ahead of these.
- Undeclared Use Type - Using the car for business, hire or reward without declaring it may invalidate cover. Social and domestic use alone doesn't cover commuting in all cases, which matters for a high-value Ferrari left parked at a workplace.
Important Limitations
- Track Days And Circuit Use - Use on a racing circuit, time trial or competitive event is excluded under standard policies and requires specialist track day cover instead. Many Ferrari owners take cars to circuits, so check this carefully.
- Theft Without Required Security - Some providers require a fitted Thatcham-approved tracker, alarm or secured overnight storage for a Ferrari. Failing to meet a stated security condition may invalidate a theft claim.
- Modifications Not Declared - Aftermarket exhausts, ECU remaps, suspension and wheel changes typically need to be declared. Undeclared modifications on a Ferrari may invalidate cover or reduce a claim settlement.
Extras Worth Considering
Skip breakdown cover and a roadside failure could mean a costly specialist transporter recovery. These optional extras may be worth adding.
Roadside assistance and recovery on a Ferrari may need a flatbed or specialist transporter rather than a standard truck. Compare standalone breakdown cover that confirms specialist recovery is included.
Motor legal expenses may help with the cost of recovering uninsured losses, such as excess or personal injury, after a non-fault incident in a high-value Ferrari.
A standard small courtesy car can be upgraded to a like-for-like model, although matching a Ferrari directly is rare. Useful if you rely on a specific vehicle type while repairs are completed.
Protecting your discount lets you keep your built-up NCD (no-claims discount) after a set number of fault claims, although the headline premium can still rise sharply after a Ferrari claim.
What Affects The Cost?
Maximum group rating, specialist parts and high theft-target profile push Ferrari premiums well above the UK average. Here are the factors that shape a Ferrari quote.
| Key Factor | Impact on Your Price |
|---|---|
| ABI insurance group | Every current Ferrari sits in ABI group 50 (the maximum band), so the rating engine starts well above mid-group cars before any driver factors are applied. |
| Specific Ferrari model | A Roma or Portofino M typically prices a step lower than an SF90 Stradale, 296 GTB or 12Cilindri, although all sit within group 50. |
| Vehicle value and agreed value | Higher-value or limited-run models often need agreed-value cover, and the declared value shapes the quote and any total-loss settlement. |
| Home postcode | Postcodes with higher reported vehicle crime (Police.uk, as at March 2026) typically price above quieter neighbourhoods, and Ferraris attract organised theft attention. |
| Overnight storage type | A locked garage usually prices lower than a driveway or public road, and some providers may require secured overnight storage for a Ferrari in higher-theft postcodes. |
| Security features fitted | Factory immobiliser, Ferrari telematics and Thatcham-approved trackers may help reduce the quote, and some providers require a tracker on higher-spec models. |
| Annual mileage | Most Ferraris cover well under 5,000 miles a year as second or third cars, and declaring low mileage accurately often prices more keenly than a default higher figure. |
| Driver age and experience | Years held on a full UK licence typically price more keenly than recent passes, and older experienced drivers usually price best on a group 50 supercar. |
| Track or competitive use | Track day use is excluded by most standard policies and may need separate specialist cover, so declaring intended usage honestly avoids an invalidated claim later. |
| No-claims years held | Most UK insurance providers recognise around 9 years of NCD (no-claims discount), although a long record may not fully offset a group 50 rating on a supercar. |
The quotes you get will depend on your own details.
Price Insight: The ABI Motor Premium Tracker put the average UK motor premium at £560 in Q1 2026 (as at March 2026). Ferrari premiums typically sit far above that figure given group 50 rating across the range, and the spread between the mainstream panel and specialist supercar brokers tends to be wide, so it's worth comparing both routes rather than renewing on autopilot.
Ways To Help Reduce Your Premium
Renew on autopilot and a Ferrari policy can drift several hundred pounds above a fresh comparison. Here are practical ways to cut what you pay.
Declare Low Mileage Accurately
Most Ferraris cover well under 5,000 miles a year. Declare your real expected mileage rather than a default figure, as it tends to be one of the largest saving levers on a group 50 supercar.
Use Secured Overnight Storage
Parking a Ferrari in a locked garage overnight typically prices lower than a driveway or public road, and may meet a stated security condition that some providers attach to higher-spec models.
Fit Thatcham-Approved Security
A Thatcham-approved tracker on top of the factory immobiliser may help reduce the quote and may be required by some providers on higher-spec Ferraris in higher-theft postcodes.
Consider A Specialist Supercar Broker
For limited-run models, agreed-value cover or planned track use, a specialist supercar broker may price better than the mainstream panel. Comparing both routes tends to be worthwhile.
Raise Your Voluntary Excess Carefully
Accepting a higher voluntary excess (the amount you agree to pay yourself if you make a claim) may help reduce the premium. However, make sure the excess remains affordable given Ferrari repair costs.
Pay Annually If You Can Afford It
Paying for the year upfront avoids the APR (the credit interest added when monthly instalments are arranged), which can quietly add a meaningful amount to a group 50 policy.
Saving Tip: Declaring low annual mileage accurately tends to be one of the largest saving levers for a Ferrari, as most are second or third cars covering well under 5,000 miles a year. Pair an honest mileage declaration with secured overnight storage to give the rating engine the cleanest possible risk picture.
How To Compare Quotes
Comparing Ferrari car insurance from UK insurance providers takes only a few minutes. Get started above.
Share Your Details
Enter your Ferrari model, driving history, annual mileage and overnight storage. The form takes a few minutes.
See Provider Quotes
Quotes come back from UK insurance providers that may price for group 50 supercars and your driver profile.
Compare Cover And Price
Check excess, security requirements, repair network arrangements and any track-use or agreed-value terms in the policy wording.
Choose And Buy
Pick the quote that fits your cover and budget. Complete the purchase directly with the provider.
Receive Your Documents
The provider issues your certificate and policy wording. Check the details match what you declared for your Ferrari.
What Our Expert Says
Ferrari sits at the very top of the UK rating curve. Every current model, from the Roma through to the SF90 Stradale, the 296 GTB, the Purosangue and the 12Cilindri, falls in ABI group 50 (ABI Group Rating, as at March 2026), and that's before usage and storage factors are even considered.
A common scenario is a Ferrari owner assuming the mainstream comparison panel will always return a competitive quote. It often does for road-only use on later models with secured overnight storage and a mature driver profile. For higher-spec models, limited-run cars, track-day use or agreed-value cover needs, a specialist supercar broker may be the better route, and being honest about that matters more than chasing a single channel.
The other one is usage. Most Ferraris are second or third cars covering well under 5,000 miles a year, often kept in a locked garage, and declaring that accurately tends to shape the quote more than most owners expect. Track use is excluded by most standard motor policies and may need separate specialist cover, so reading the policy schedule carefully matters.
Insurance Expert & Co-founder of Clean Green Cars
Common Questions
Is Ferrari Car Insurance More Expensive Than Average?
Yes. Every current Ferrari sits in ABI group 50 (ABI Group Rating, as at March 2026), the maximum band, and Ferrari premiums typically sit far above the UK average of £560 in Q1 2026 (ABI Motor Premium Tracker, as at March 2026). Specialist parts and main-dealer labour push repair costs well above mainstream cars too.
Do All Ferraris Sit In ABI Group 50?
Yes, across the current range. The Roma, Portofino M, F8 Tributo, SF90 Stradale, 296 GTB, Purosangue, 12Cilindri and limited-run models such as the Daytona SP3 all sit in ABI group 50 (ABI Group Rating, as at March 2026), the maximum UK insurance group.
Will The Mainstream Panel Always Return A Ferrari Quote?
Not always. The mainstream comparison panel often returns quotes for later road-use Ferraris with secured storage and an experienced driver profile. For higher-spec models, limited-run cars, planned track use or agreed-value cover, a specialist supercar broker may be the better route, and comparing both channels tends to be worth the time.
Does Track Day Use Need Separate Cover?
Usually yes. Track day driving, time trials and competitive events are excluded by most standard UK motor policies and may need separate specialist track day cover. Many Ferrari owners take cars to circuits, so always check the policy schedule before booking a track day.
Do I Need A Tracker Fitted On A Ferrari?
It depends on the provider, the model and the postcode. Some providers may require a Thatcham-approved tracker on top of the factory immobiliser, especially on higher-spec models or in higher-theft postcodes. Failing to meet a stated security condition could invalidate a theft claim.
Should I Use Agreed Value Cover For A Ferrari?
For limited-run, appreciating or older Ferraris, agreed-value cover may suit better than market value. It fixes the settlement figure with the provider upfront and may avoid disputes after a total loss. Specialist supercar brokers tend to handle agreed-value cover more readily than the mainstream panel.
How Much Does Storage Affect A Ferrari Quote?
Quite a lot. A locked garage overnight typically prices lower than a driveway or public road, and some providers may require secured overnight storage for higher-spec Ferraris in higher-theft postcodes. Declare the storage type precisely as it's one of the larger local rating factors.
What Happens After I Submit My Details?
Clean Green Cars introduces you to UK insurance providers that price for group 50 supercars and your driver profile. You'll see quotes within minutes and can compare cover, premium and add-ons before choosing a policy that suits the driver and the Ferrari.
Search & Compare Quotes From UK Ferrari Car Insurance Providers
Useful Resources
- GOV.UK - Vehicle Insurance - the legal minimum cover required to drive on UK roads.
- Ferrari UK - Official Site - current model range, specifications and dealer network across the UK.
- Thatcham Research - Vehicle Security - independent vehicle security and insurance group rating research.
- ABI - Motor Insurance Guidance - independent guidance on how UK motor insurance is rated.
